Rates & Fees

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Check out the rates and fees for our loans and savings products

Blue Dots

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 (APY) 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 $0 minimum daily balance is required to earn the stated APY. Call the credit union for complete disclosures.

Savings Account Rates

Membership Share

  • Minimum Opening Balance: $5
  • Minimum Balance to Earn Dividends: $5
  • Dividends are compounded & credited quarterly.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Interest Rate
APY

0.100%

0.100%


Premium Savings *

  • Dividends are compounded & credited monthly.
  • Minimum Balance to Earn Dividends: $0
  • At least 10 debit and/or credit card transactions per month must occur on the corresponding account.
  • eStatements are required.
  • You need a Membership Savings in order to have a Premium Savings account.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

$0.00 to $9,999.99

0.150%

0.150%

$10,000.00 to $24,999.99

0.170%

0.170%

$25,000.00 to $49,999.99

0.190%

0.190%

$50,000.00 and higher

0.210%

0.210%

* Premium Account Disclaimer: If qualifications listed above are not met, dividends will not be paid.

Truth in Savings Disclosure


Additional/Other Savings Accounts

Effective Date: 9/18/2021 - 12:00 A.M. EST

Interest Rate
APY

0.100%

0.100%


Checking Account Rates

Personal Checking

  • Minimum balance to earn dividends: $0

Effective Date: 9/18/2021 - 12:00 A.M. EST

Interest Rate
APY

0.000%

0.000%


Premium Checking

  • Dividends are compounded & credited monthly.
  • No monthly charges.
  • New accounts receive 80 personalized checks for FREE!*
  • A "No Bounce" feature with overdraft protection (apply separately).
  • Online Banking access for transfers and reconciliation.
  • Reorder Checks Online.

Requirements:**

  • At least 10 debit and/or credit card transactions per month, on the account the savings is under.
  • eStatements are required.
  • Minimum Balance to Earn Dividends: $0

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

$0.00 to $9,999.99

0.100%

0.100%

$10,000.00 to $24,999.99

0.120%

0.120%

$25,000.00 to $49,999.99

0.140%

0.140%

$50,000.00 and higher

0.160%

0.160%

* Limitations apply, contact Wildfire for more details.

** Premium Account Disclaimer: If qualifications listed above are not met, dividends will not be paid.


Club Account Rates

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Info
Interest Rate
APY

Other Club Accounts

0.100%

0.100%

Christmas Club - Penalties apply for early withdrawal

0.100%

0.100%

Truth in Savings Disclosure


IRA Rates

  • Dividends are compounded & credited quarterly.
  • Minimum opening balance: $0.
  • Minimum balance to earn dividends: $0.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Info
Interest Rate
APY

IRA Accounts

0.350%

0.350%

Truth in Savings Disclosure


High-Yield Deposit Accounts

  • A minimum balance of $1,000 is required to open the account and earn the stated APY.
  • Dividends are compounded & credited monthly.
  • Other restrictions apply. Call the credit union for complete disclosures.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

Balances from $1,000.00 to $24,999.99

0.180%

0.180%

Balances from $25,000.00 to $49,999.99

0.200%

0.200%

Balances from $50,000.00 to $99,999.99

0.220%

0.220%

Balances from $100,000.00 to $249,999.99

0.240%

0.240%

Balances from $250,000.00 to $499,999.99

0.270%

0.270%

Balances from $500,000.00 to $999,999.99

0.300%

0.300%

Balances of $1,000,000.00 and more

0.330%

0.330%

Truth in Savings Disclosure


Certificates

  • Minimum opening balance for all certificates: $500.
  • Minimum balance to earn dividends for all certificates: $500.
  • Dividends are compounded & credited monthly.
  • For certificates of $100,000 or more, contact the credit union for current rates.
  • There is a substantial penalty for early withdrawal; call the credit union for complete disclosures.

Special Certificate Rates

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Interest Rate
APY

54 Month Special

0.896%

0.900%

Truth in Savings Disclosure


Regular Certificate Rates

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Interest Rate
APY

6 - 11 Months

0.250%

0.250%

12 - 17 Months

0.349%

0.350%

18 - 23 Months

0.399%

0.400%

24 - 35 Months

0.549%

0.550%

36 - 47 Months

0.698%

0.700%

48 - 59 Months

0.797%

0.800%

60 Months

0.946%

0.950%

Truth in Savings Disclosure


IInvest Youth Certificate

Benefits:

  • Low minimum deposit and you have the ability to add to the deposit.
  • Choose between a six and/or twelve month iinvest CD.

Conditions:

  • Must be twenty-five or younger.
  • $100 minimum deposit ($2,000 maximum deposit per iinvest certificate).
  • $50 minimum add-on deposits.
  • No more than ten iinvest certificates per member.
  • Early withdrawal penalties apply.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Interest Rate
APY

6 month

0.599%

0.600% - 0.670%

12 month

0.699%

0.700% - 0.720%

* iinvest Disclaimer: The APY will vary depending on the initial certificate deposit amount.

Truth in Savings Disclosure


Health Savings Accounts (HSA)

  • Dividends are compounded and credited monthly.
  • Minimum opening balance: $0.
  • Minimum balance to earn dividends: $0.
  • The rates are subject to change at any time and without advance notifications.
  • The APY listed are accurate as of the last dividend declaration date.
  • Fees, if any, may reduce earnings and affect APY calculations.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

Balances from $0.00 to $999.99

0.100%

0.100%

Balances from $1,000.00 to $2,499.99

0.120%

0.120%

Balances from $2,500.00 to $9,999.99

0.140%

0.140%

Balances of $10,000.00 and more

0.160%

0.160%

Truth in Savings Disclosure

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Business Rates

Business Savings Account Rates

Business Membership Share:

  • Minimum Opening Balance: $5.
  • Minimum Balance to Earn Dividends: $5.
  • Dividends are compounded & credited quarterly.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Interest Rate
APY

0.100%

0.100%


Other Savings

  • Minimum Opening Balance: $0.
  • Minimum Balance to Earn Dividends: $1.
  • Dividends are compounded & credited quarterly.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Interest Rate
APY

0.100%

0.100%


Special Certificate Rates for Business

  • Minimum opening balance for all certificates: $500.
  • Minimum balance to earn dividends for all certificates: $500.
  • Dividends are compounded & credited monthly.
  • For certificates of $100,000 or more, contact the credit union for current rates.
  • There is a substantial penalty for early withdrawal; call the credit union for complete disclosures.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Interest Rate
APY

54 Month Special

0.896%

0.900%


Certificate of Deposit Account

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Interest Rate
APY

6 - 11 Months

0.250%

0.250%

12 - 17 Months

0.349%

0.350%

18 - 23 Months

0.399%

0.400%

24 - 35 Months

0.549%

0.550%

36 - 47 Months

0.698%

0.700%

48 - 59 Months

0.797%

0.800%

60 Months

0.946%

0.950%


High-Yield Deposit Account

  • Minimum opening balance: $1,000.
  • Minimum balance to earn dividends: $1,000.
  • Dividends are compounded & credited monthly.
  • Other restrictions apply. Call the credit union for complete disclosures.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

Balances from $1,000.00 to $24,999.99

0.180%

0.180%

Balances from $25,000.00 to $49,999.99

0.200%

0.200%

Balances from $50,000.00 to $99,999.99

0.220%

0.220%

Balances from $100,000.00 to $249,999.99

0.240%

0.240%

Balances from $250,000.00 to $499,999.99

0.270%

0.270%

Balances from $500,000.00 to $999,999.99

0.300%

0.300%

Balances of $1,000,000.00 and more

0.330%

0.330%


Business Checking Beyond

  • Dividends are compounded & credited monthly.
  • Minimum opening balance: $0.
  • $5,000 minimum average monthly balance*.
  • Tiered rate of interest, which is paid monthly.
  • Up to 500 transactions per month**.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Balance
Interest Rate
APY

Balances from $0.00 to $9,999.99

0.100%

0.100%

Balances from $10,000.00 to $24,999.99

0.100%

0.100%

Balances from $25,000.00 to $49,999.99

0.100%

0.100%

Balances from $50,000.00 to $249,999.99

0.150%

0.150%

Balances from $250,000.00 to $499,999.99

0.150%

0.150%

Balances from $500,000.00 to $999,999.99

0.150%

0.150%

Balances of $1,000,000 and more

0.150%

0.150%

Disclaimers:

* $15 monthly maintenance fee if minimum average monthly balance not maintained.

** Monthly transactions include checks paid, withdrawals, deposits, items deposited, Automated Clearing House (ACH) credits and debits received. There is a fee of thirty-five cents per transaction over the monthly limit.

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.


Open End Consumer Loans

  • APR = Annual Percentage Rate.
  • Loans are based on credit approval.
  • There are no transaction, membership, activity, or participation fees.
  • 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.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Loan Type
Approximate Term
APR

Share Secured

Up to 240 months

5.000%

Overdraft Line of Credit

15.000%

Prestige Line of Credit - Checking Account Required

8.900%

Qwik Chek Line of Credit

12.600%


New & Used Auto Loan Rates

  • 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 may require a maximum 20% down payment.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Info
Term
APR
Payment Amount

New & Used Autos 2013 - Newer

12 to 60 Months

2.490%

$17.75/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2016 - Newer

61 to 72 Months

2.990%

$15.20/mo per $1,000 borrowed based on maximum term.

New & Used Autos 2017 - Newer

73 to 84 Months

3.740%

$13.56/mo per $1,000 borrowed based on maximum term.

Used Autos No Model Year Limitation

12 to 48 Months

2.490%

$21.92/mo per $1,000 borrowed based on maximum term.


New & Used Motorcycle Loan Rates

  • 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 a Motorcycle may require a maximum 20% down payment.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Account Info
Term
APR
Payment Amount

New & Used Motorcycles 2013 - Newer

12 to 60 Months

2.490%

$17.75/mo per $1,000 borrowed based on maximum term.

New & Used Motorcycles 2016 - Newer

61 to 72 Months

2.990%

$15.20/mo per $1,000 borrowed based on maximum term.

New & Used Motorcycles 2017 - Newer

73 to 84 Months

3.740%

$13.56/mo per $1,000 borrowed based on maximum term.

Used Motorcycles No Model Year Limitation

12 to 48 Months

2.490%

$21.92/mo per $1,000 borrowed based on maximum term.


Personal Watercraft, Snowmobiles, Off-Street Motorcycles, & ATV

Effective Date: 9/18/2021 - 12:00 A.M. EST

Loan Type
Term
APR
Payment Amount

Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV

0 to 36 Months

3.990%

$29.59/mo per $1,000 borrowed based on maximum term.

Personal Watercraft, Snowmobiles, Off-Street Motorcycles & ATV

37 to 60 Months

4.990%

$18.88/mo per $1,000 borrowed based on maximum term.


New & Used Boats/RVs

* Boat and RV Balloon Repayment and Option to Refinance Example: If you borrow $50,000 at 3.99% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $369.70 and one final payment of approximately $37,149.49. Portions of the final payment may be refinanced with qualifying credit worthiness.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Rate (APR*)
Payment Amount

Up to 60 Months or 180 Months Max with 60 Month Balloon

3.990%

$7.40/mo per $1,000 borrowed based on maximum term.

61 to 84 Months

4.240%

$13.79/mo per $1,000 borrowed based on maximum term.

85 to 120 Months

4.490%

$10.37/mo per $1,000 borrowed based on maximum term.

121 to 144 Months

4.990%

$9.25/mo per $1,000 borrowed based on maximum term.


Other Loans

Effective Date: 9/18/2021 - 12:00 A.M. EST

Loan Type
Term
APR
Payment Amount

Other Non-Titled Purchased Goods

12 to 60 Months

6.990%

$19.81/mo per $1,000 borrowed based on maximum term.

Signature Loans

Up to 60 Months

7.490%

$20.04/mo per $1,000 borrowed based on maximum term.

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Credit Cards - Platinum Visa®

  • Rates as low as 8.90%.
  • Loans based on credit approval.
  • 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.
  • No U.S. transaction, membership, activity or participation fees.
  • International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States.

Learn about credit cards

Real Estate Rates

Equal Housing Lender Logo

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% down payment has been made for a final loan amount of $120,000. All payment examples are for principle and interest only. Property taxes and home owners insurance are not included.

Mortgage applicants please read our Mortgage Applicant Disclosure.


Primary Residence & Second Home

Balloon Mortgages

A balloon payment will result if only principal and interest payments are made during the term of the loan.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Amortization Period
Balloon
Rate
APR
Payment Amount

30 years

5-year balloon*

2.500%

2.681%

$3.96/mo per $1,000 based on maximum Amortization Period.

30 years

7-year balloon*

2.875%

3.015%

$4.15/mo per $1,000 based on maximum Amortization Period.

30 years

10-year balloon*

3.000%

3.107%

$4.22/mo per $1,000 based on maximum Amortization Period.

* Balloon repayment and option to refinance example: If you borrow $120,000 at 2.681% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $474.15 and one final payment of approximately $106,417.73. All or a portion of the final payment may be refinanced with qualifying credit worthiness.


Conventional Mortgages

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Rate
APR
Payment Amount

10 Year Fixed

2.250%

2.414%

$9.32/mo per $1,000 borrowed.

15 Year Fixed

2.375%

2.488%

$6.61/mo per $1,000 borrowed.

20 Year Fixed

2.875%

2.965%

$5.49/mo per $1,000 borrowed.

30 Year Fixed

3.125%

3.190%

$4.29/mo per $1,000 borrowed.


Vacant Land

  • A balloon payment will result if only principal and interest payments are made during the term of the loan.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Term
Balloon
Rate
APR
Payment Amount

15 years

3-year balloon*

4.500%

5.034%

$7.66/mo per $1,000 borrowed based on Maximum Amortization Period.

* Balloon repayment and option to refinance example: If you borrower $50,000 at 5.476% APR for a 180 month amortization, 36 month balloon term, you will make 59 payments of approximately $407.91 and one final payment of approximately $43,603.46. All or a portion of the final payment may be refinanced with qualifying credit worthiness.

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Home Equity Rates

Equal Housing Lender Logo


Mortgage applicants please read our Mortgage Applicant Disclosure.

Home Cash Equity Loan

  • 20 year amortization; 5-year balloon*.
  • 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.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Loan Information
Interest Rate
APR
Payment Amount

Loan amounts greater than or equal to 80.00% to 100.00% Loan to Value, appraisal may be required.

5.500%

5.833%

$7.03/mo per $1,000 borrowed based on maximum Amortization Period.

Loan amounts less than or equal to 80.00% loan to Value

4.750%

4.992%

$6.60/mo per $1,000 borrowed based on maximum Amortization Period.

* Balloon repayment and option to refinance example: If you borrow $50,000 at 5.899% APR for a 240 month amortization, 60 month balloon term, you will make 59 payments of approximately $355.31 and one final payment of approximately $42,734.01. All or a portion of the final payment may be refinanced with qualifying credit worthiness.


Home Cash Equity Line of Credit (HELOC)

  • There are no transaction, activity, membership, or participation fees.
  • 10 year draw period, 25 year amortization period.
  • Additional charges may apply.
  • Maximum rate 18%.

Effective Date: 9/18/2021 - 12:00 A.M. EST

Loan Info
Interest Rate
APR
Notes

-- $5,000 min; $250,000 max -- 100% of appraised value

4.000%

4.000%

APR is Variable and reviewed monthly.

NOTE: Rates are subject to change without notice. Call for current rates.

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Fees & Service Charges

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