Rates & Fees
Savings Rates
Business Rates
Loan Rates
Credit Card Rates
Real Estate Rates
Home Equity Rates
Standard Fees
SAVINGS RATES
The rates quoted on all savings products (including the High-Yield Deposit, Certificate & Health Savings accounts) are subject to change at any time and without advance notification; call Wildfire Credit Union for current rates. The Annual Percentage Yields listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Unless otherwise stated below, there is no minimum balance required to open additional savings accounts but a $1.00 minimum daily balance is required to earn the stated APY. Call the credit union for complete disclosures.
| Savings Rates |
| Effective Date: Thursday, July 16th, 2020 |
| Account Information | Interest Rate | APY |
| Membership Share |
0.150% |
0.150% |
| Premium Savings: |
|
|
|
0.200% |
0.200% |
|
0.230% |
0.230% |
|
0.270% |
0.270% |
|
0.300% |
0.300% |
| Additional/Other Savings Accounts |
0.150% |
0.150% |
| Checking Accounts |
| Effective Date: Thursday, July 16th, 2020 |
| Account Information | Interest Rate | APY |
| Personal Checking |
0.000% |
0.000% |
| Premium Checking: |
|
|
|
0.150% |
0.150% |
|
0.170% |
0.170% |
|
0.190% |
0.190% |
|
0.210% |
0.210% |
| Club Account Rates |
| Effective Date: Thursday, July 16th, 2020 |
| Account Information | Interest Rate | APY |
| Christmas Club - Penalties apply for early withdrawal. |
0.100% |
0.100% |
| Other Club Accounts |
0.100% |
0.100% |
| Explanation of Rates & Service Charges |
| IRA Rates |
| Effective Date: Thursday, July 16th, 2020 |
| Account Information | Interest Rate | APY |
| IRA Accounts* |
0.499% |
0.500% |
| Explanation of Rates & Service Charges |
| * $5.00 minimum balance requires to open account and earn stated APY. |
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High-Yield Deposit Accounts
A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Call the credit union for complete disclosures.
| High Yield Deposit Accounts |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Account Information | Interest Rate | APY |
| Balances from $1,000.00 to $24,999.99 |
0.250% |
0.250% |
| Balances from $25,000.00 to $49,999.99 |
0.300% |
0.300% |
| Balances from $50,000.00 to $99,999.99 |
0.349% |
0.350% |
| Balances from $100,000.00 to $249,999.99 |
0.399% |
0.400% |
| Balances from $250,000.00 to $499,999.99 |
0.499% |
0.500% |
| Balances from $500,000.00 to $999,999.99 |
0.598% |
0.600% |
| Balances of $1,000,000.00 and more |
0.698% |
0.700% |
Explanation of Rates & Service Charges |
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Certificates
All certificates require a $500 minimum balance to open the account and earn the stated APY. For certificates of $100,000.00 or more, contact the credit union for current rates. Substantial penalty for early withdrawal; call the credit union for complete disclosures.
iinvest Youth Certificate
Benefits:
- Rates are .250% higher than the current 6-month and 12-month interest rates!
- Low minimum deposit and you have the ability to add to the deposit.
- Choose between a six and/or 12 month iinvest CD.
Conditions:
- Must be 25 or younger.
- $100 minimum deposit ($2,000 maximum deposit per iinvest certificate).
- $50 minimum add-on deposits.
- Withdrawals can only be made at certificate maturity.
- No more than 10 iinvest certificates per member.
| Special Certificate Rates |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Certificate Term | Interest Rate | APY |
| 39 Month Special |
1.094% |
1.100% |
| Explanation of Rates & Service Charges |
| Certificate Rates |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Certificate Term | Interest Rate | APY |
| 6-11 Months |
0.549% |
0.550% |
| 12-17 Months |
0.698% |
0.700% |
| 18-23 Months |
0.747% |
0.750% |
| 24-35 Months |
0.896% |
0.900% |
| 36-47 Months |
1.045% |
1.050% |
| 48-59 Months |
1.193% |
1.200% |
| 60 Months |
1.292% |
1.300% |
Explanation of Rates & Service Charges |
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Health Savings Accounts
High-Yield Deposit Accounts, Health Savings Accounts, and Certificates are compounded monthly. All share accounts and Vacation Accounts are compounded quarterly.
| Health Savings Rates |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Account Information | Interest Rate | APY |
| Balances from $0.00 to $999.99 |
0.150% |
0.150% |
| Balances from $1,000.00 to $2,499.99 |
0.170% |
0.170% |
| Balances from $2,500.00 to $9,999.99 |
0.190% |
0.190% |
| Balances of $10,000.00 and more |
0.210% |
0.210% |
Explanation of Rates & Service Charges |
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Business Rates
| Savings |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
Business Membership Share - Minimum Opening Balance: $5; Minimum Balance to Earn Dividends: $5; Compounded Quarterly
Other Savings - Minimum Opening Balance: $0; Minimum Balance to Earn Dividends: $1; Compounded Quarterly |
| Account Information | Interest Rate | APY |
| Business Membership Share |
0.150% |
0.150% |
| Other Savings |
0.150% |
0.150% |
Truth in Savings Disclosure |
| Special Certificate Rates for Business |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
All certificates require a $500 minimum balance to open the account and earn the stated APY, compounded monthly. For certificates of $100,000.00 or more, contact the credit union for current rates. Substantial penalty for early withdrawal; call the credit union for complete disclosures.
Withdrawals only at maturity. |
| Certificate Term | Interest Rate | APY |
| 39 Month Special |
1.094% |
1.100% |
| Truth in Savings Disclosure |
| Certificates of Deposit Account |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Certificate Term | Interest Rate | APY |
| 6-11 months |
0.549% |
0.550% |
| 12-17 months |
0.698% |
0.700% |
| 18-23 months |
0.747% |
0.750% |
| 24-35 months |
0.896% |
0.900% |
| 36-47 months |
1.045% |
1.050% |
| 48-59 months |
1.193% |
1.200% |
| 60 months |
1.292% |
1.300% |
Truth in Savings Disclosure |
| High-Yield Deposit Account |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Requires a minimum opening balance of $1000 and compounded monthly |
| Name | Interest Rate | APY |
| Balances from $1,000.00 to $24,999.99 |
0.250% |
0.250% |
| Balances from $25,000.00 to $49,999.99 |
0.300% |
0.300% |
| Balances from $50,000.00 to $99,999.99 |
0.349% |
0.350% |
| Balances from $100,000.00 to $249,999.99 |
0.399% |
0.400% |
| Balances from $250,000.00 to $499,999.99 |
0.499% |
0.500% |
| Balances from $500,000.00 to $999,999.99 |
0.598% |
0.600% |
| Balances of $1,000,000.00 and more |
0.698% |
0.700% |
Truth in Savings Disclosure |
| Business Checking Beyond |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Compounded Monthly |
| Account Information | Interest Rate | APY |
| Balances from $0.00 to $9,999.99 |
0.25% |
0.25% |
| Balances from $10,000.00 to $24,999.99 |
0.25% |
0.25% |
| Balances from $25,000.00 to $49,999.99 |
0.25% |
0.25% |
| Balances from $50,000 to $249,999.99 |
0.25% |
0.25% |
| Balances from $250,000 to $499,999.99 |
0.25% |
0.25% |
| Balances from $500,000 to $999,999.99 |
0.25% |
0.25% |
| Balances of $1,000,000 and more |
0.25% |
0.25% |
Truth in Savings Disclosure |
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Loan Rates
Please note: Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history. The approximate term is provided to disclose the term we use to calculate payments for the credit union's open-end loan products.
Credit Cards - Platinum Visa®
- Rates as low as 8.90%
- Loans based on credit approval
- No transaction, membership, activity or participation fees
- APR = Annual Percentage Rate
- Rates are based on the applicant(s) credit score. Rates are subject to change without notice. Call the credit union for current rates.
Learn about credit cards
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| Open End Consumer Loans |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
- Loans are based on credit approval.
- There are no transaction, membership, activity or participation fees.
- APR = Annual Percentage Rate.
- Rates are subject to change without notice. Call the credit union for current rate.
- Share secured loans are issued at 2.5% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 5%. Rates adjust annually in the anniversary month of the loan. Call the credit union for current rates.
|
| Loan Type | Term | APR |
| Share Secured |
Approximately 240 months |
5.00% |
| Overdraft Line of Credit |
|
15.00% |
| Prestige Line of Credit - Checking Account Required |
|
8.90% |
| Qwik Chek Line of Credit |
|
12.60% |
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| New & Used Auto & Motorcycle Loan Rates |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Loan Type | Term | Rate As Low As | Payment Amount |
| New & Used Autos / Motorcycles 2012 - Newer |
12 to 60 Months |
3.24% |
$18.08/mo per $1,000 borrowed based on maximum term. |
| New & Used Autos / Motorcycles 2014 - Newer |
61 to 72 Months |
3.49% |
$15.42/mo per $1,000 borrowed based on maximum term. |
| New & Used Autos / Motorcycles 2015 - Newer |
73 to 84 Months |
4.49% |
$13.90/mo per $1,000 borrowed based on maximum term. |
| Used Autos / Motorcycles No Model Year Limitation |
12 to 48 Months |
3.24% |
$22.25/mo per $1,000 borrowed based on maximum term. |
| All rates listed are the Annual Percentage Rate (APR). Rates are based on the applicant(s) credit score. Rates are subject to change without notice. Call the credit union for current rates. Loans are based on credit approval. Credit Terms for loans secured by an Auto or Motorcycle require a maximum 20% down payment. |
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| Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Loan Type | Term | Rate | Payment Amount |
| Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV |
0 to 36 Months |
3.99% |
$29.59/mo per $1,000 borrowed based on maximum term. |
| Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV |
37 to 60 Months |
4.99% |
$18.88/mo per $1,000 borrowed based on maximum term. |
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*Boat and RV Balloon Repayment and Option to Refinance Example: If you borrow $50,000 at 4.00% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $369.97 and one final payment of approximately $36,823.43. Portions of the final payment may be refinanced with qualifying credit worthiness.
| New & Used Boats / RV's |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Loan Type | Term | Rate | Payment Amount |
| New & Used Boats / RV's* |
Up to 60 Months or 180 Months Max with a 60 Month Balloon |
3.99% |
$7.40/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's |
61 to 84 Months |
4.49% |
$13.90/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's |
85 to 120 Months |
5.24% |
$10.73/mo per $1,000 borrowed based on maximum term. |
| New & Used Boats / RV's |
121 to 144 Months |
6.24% |
$9.89/mo per $1,000 borrowed based on maximum term. |
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| Other Loans |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Loan Type | Term | Rate | Payment Amount |
| Other Non-Titled Purchased Goods |
12 to 60 Months |
6.99% |
$19.81/mo per $1,000 borrowed based on maximum term. |
| Signature Loans |
Up to 60 Months |
7.49% |
$20.04/mo per $1,000 borrowed based on maximum term. |
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REAL ESTATE RATES (For Mortgages offered through Wildfire Credit Union)
Please note: Rates are subject to change without notice. Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history and LTV(Loan to Value) and may be different from the rates disclosed below.
APR amount calculations assume a 20% downpayment has been made for a final loan amount of $120,000.
Mortgage applicants please read our Mortgage Applicant Disclosure.
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Primary Residence & Second Homes
| Balloon Mortgages |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Amortization Period | Balloon | Rate | APR |
| 30 years |
5-year balloon |
2.750% |
2.957% |
| 30 years |
7-year balloon |
3.000% |
3.158% |
| 30 Years |
10-year balloon |
3.250% |
3.372% |
| A balloon payment will result if only principal and interest payments are made during the term of the loan. |
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| Conventional Mortgages |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
| Term | Rate | APR |
| 10 Year Fixed |
2.500% |
2.678% |
| 15 Year Fixed |
2.750% |
2.873% |
| 20 Year Fixed |
3.125% |
3.221% |
| 30 Year Fixed |
3.500% |
3.576% |
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| Vacant Land |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
- Borrow up to 70% of appraised value, or sales price, whichever is less.
|
| Term | Balloon | Rate | APR |
| 15 years |
3-year balloon |
4.750% |
5.124% |
| A balloon payment will result if only principal and interest payments are made during the term of the loan. |
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Closing Costs
Contact the Credit Union for details. Total costs average $2,000 to $3,000 for a $150,000 loan amount. Estimated closing costs will vary if escrow is requested/required.
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HOME EQUITY RATES
There are no transaction, activity, membership or participation fees.
Mortgage applicants please read our Mortgage Applicant Disclosure.
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| Home Cash Equity Loan |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
- $5,000 minimum; $250,000 maximum
- 20 year amortization; 5-year balloon
- Appraisal and title work required for loan amounts greater than $50,000
|
| Loan Information | Rate | APR |
| for loan amounts greater than or equal to 80.00 to 100.00% Loan to Value. Appraisal may be required. |
5.750% Rate |
5.899% APR |
| for loan amounts less than or equal to 80.00% Loan to Value |
5.000% Rate |
5.138% APR |
All payment examples are for principal and interest only. Property taxes and insurance are not included. A balloon payment will result if only principal and interest payments are made during the term of the loan. |
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| Equity Line of Credit |
| Effective Date: Thursday, July 16th, 2020, 12:00am ET. |
- 10 year draw period, 25 year amortization period
- Additional charges may apply
- Appraisal and title work required on loan amounts greater than $50,000
- Maximum rate 18%
|
| Loan Information | Rate | APR | Notes |
| -- $5,000 min; $250,000 max -- 100% of appraised value |
4.00% Rate |
4.00% APR (Variable - reviewed monthly) |
Additional disclosure information |
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Rates are subject to change without notice. Call for current rates.
