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Rates

Your Adventure Starts with the Right Rate!

Hand holding money bag with green dollar sign inside digital icon. Savings
Smart phone with green dollar sign background and hand pointing to it. Checking
Smart phone with green dollar sign background and hand pointing to it. Loans
Icon of a house with a green dollar sign in the middle. Mortgage
Hand passing green money digital icon to other hand below. Business

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.

Truth in Savings Disclosure

Membership Savings

Effective Date: - 12:00 A.M. EST

  • Minimum opening balance: $5
  • Minimum balance to earn dividends: $5
  • Dividends are compounded & credited quarterly.
Interest Rate APY
0.05% 0.05%

Extra Savings

Effective Date: - 12:00 A.M. EST

  • Minimum opening balance: $0
  • Minimum balance to earn dividends: $0
  • Dividends are compounded & credited quarterly.
Interest Rate APY
0.05% 0.05%

High-Yield Savings

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Rate.
  • 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.
Account Balance Interest Rate APY
Balances from $1,000.00 to $24,999.99 1.09% 1.10%
Balances from $25,000.00 to $49,999.99 1.19% 1.20%
Balances from $50,000.00 to $99,999.99 1.34% 1.35%
Balances from $100,000.00 to $249,999.99 1.49% 1.50%
Balances from $250,000.00 to $499,999.99 1.64% 1.65%
Balances from $500,000.00 to $999,999.99 1.88% 1.90%
Balances of $1,000,000.00 and more 2.08% 2.10%

Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • Minimum opening balance: $500.
  • Minimum balance to earn dividends: $500.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 3.93% 4.00%

Certificates

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $500 minimum opening balance.
  • Minimum balance to earn dividends: $500.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
6 - 11 Months 3.35% 3.40%
12 - 17 Months 3.40% 3.45%
18 - 23 Months 3.45% 3.50%
24 - 35 Months 3.35% 3.40%
36 - 47 Months 3.49% 3.55%
48 - 59 Months 3.54% 3.60%
60 Months 3.59% 3.65%

Jumbo Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 4.17% 4.25%

Jumbo Certificates

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
6 to 11 months 3.59% 3.65%
12 to 17 months 3.64% 3.70%
18 to 23 months 3.69% 3.75%
24 to 35 months 3.59% 3.65%
36 to 47 months 3.98% 4.05%
48 to 59 months 4.03% 4.10%
60 months 4.07% 4.15%

Youth Certificates

Effective Date: - 12:00 A.M. EST

  • Must be 25 or younger.
  • $100 Minimum balance.
  • $2,000 maximum deposit.
  • Deposits: $50 Increments.
  • Up to 10 Youth CD's per youth account.
  • APY will vary depending on the initial certificate deposit amount.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
6 Month 3.59% 3.65%
12 Month 3.64% 3.70%

Kids Club

Effective Date: - 12:00 A.M. EST

  • APY=Annual Percentage Yield. APY is accurate as of today’s date, may be variable, and may be subject to change after account is opened. Fees and other conditions may reduce earnings
  • Minimum opening balance and to earn dividends: $5.
  • Dividends are compounded & credited quarterly.
Account Info Interest Rate APY
Kids Club Account 0.05% 0.05%

IRA Savings

Effective Date: - 12:00 A.M. EST

  • Dividends are compounded & credited quarterly.
  • Minimum balance to open and earn dividends: $0.
  • Minimum balance to earn dividends: $0.
Account Info Interest Rate APY
IRA Accounts 0.50% 0.50%

IRA Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • Minimum opening balance: $500.
  • Minimum balance to earn dividends: $500.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 3.93% 4.00%

IRA Certificates

Effective Date: - 12:00 A.M. EST

  • 6 to 60 month term options.
  • Minimum Opening balance: $500.
  • Dividends are compounded monthly.
  • There is a penalty for early withdrawal.

 
Term Interest Rate APY
6 - 11 Months 3.35% 3.40%
12 - 17 Months 3.40% 3.45%
18 - 23 Months 3.45% 3.50%
24 - 35 Months 3.35% 3.40%
36 - 47 Months 3.49% 3.55%
48 - 59 Months 3.54% 3.60%
60 Months 3.59% 3.65%

Jumbo IRA Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 4.17% 4.25%

Jumbo IRA Certificates

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Rates Disclaimer: The rates quoted on all certificate products are subject to change at any time and without advance notification.

 
Term Interest Rate APY
6 to 11 months 3.59% 3.65%
12 to 17 months 3.64% 3.70%
18 to 23 months 3.69% 3.75%
24 to 35 months 3.59% 3.65%
36 to 47 months 3.98% 4.05%
48 to 59 months 4.03% 4.10%
60 months 4.07% 4.15%

Health Savings Account (HSA)

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • Dividends are compounded and credited monthly.
  • Minimum opening balance: $0.
  • Minimum balance to earn dividends: $0.
Account Balance Interest Rate APY
Balances from $0.00 to $999.99 0.20% 0.20%
Balances from $1,000.00 to $2,499.99 0.22% 0.22%
Balances from $2,500.00 to $9,999.99 0.24% 0.24%
Balances of $10,000 and more 0.26% 0.26%

HSA Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • Minimum opening balance: $500.
  • Minimum balance to earn dividends: $500.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 3.93% 4.00%

HSA Certificates

Effective Date: - 12:00 A.M. EST

  • 6 to 60 month term options.
  • Minimum Opening balance: $500.
  • Dividends are compounded monthly.
  • There is a penalty for early withdrawal.

 
Term Interest Rate APY
6 - 11 Months 3.35% 3.40%
12 - 17 Months 3.40% 3.45%
18 - 23 Months 3.45% 3.50%
24 - 35 Months 3.35% 3.40%
36 - 47 Months 3.49% 3.55%
48 - 59 Months 3.54% 3.60%
60 Months 3.59% 3.65%

Jumbo HSA Certificate Specials

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Term Interest Rate APY
9 Month Special 4.17% 4.25%

Jumbo HSA Certificates

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
  • $100,000 minimum balance.
  • Dividends are compounded & credited monthly.
  • There is a penalty for early withdrawal.
Rates Disclaimer: The rates quoted on all certificate products are subject to change at any time and without advance notification.

 
Term Interest Rate APY
6 to 11 months 3.59% 3.65%
12 to 17 months 3.64% 3.70%
18 to 23 months 3.69% 3.75%
24 to 35 months 3.59% 3.65%
36 to 47 months 3.98% 4.05%
48 to 59 months 4.03% 4.10%
60 months 4.07% 4.15%

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Checking Rates

Blaze Checking

Effective Date: - 12:00 A.M. EST

* APY = Annual Percentage Yield.
** Account Balance up to $10,000 earns 5.00% APY. The 5.00% APY applies only to the first $10,000 in your account.
      Any portion of the balance over $10,000 earns 0.10% APY.
      For example, if your balance is $12,000, the first $10,000 earns 5.00% APY and the remaining $2,000 earns 0.10% APY.

Requirements

  • Must be enrolled in paperless statements.
  • Have $750 ACH deposits per month.
  • Use your Wildfire Debit Card or Credit Card at least twenty-five times per month, excluding ATMs, to earn stated APY.
  • Transactions that are pending on your account and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle.
Account Balance Requirements Met Interest Rate APY
$0 to $10,000** Yes 4.89% 5.00%
$10,001 and up Yes 0.10% 0.10%
$0 to $10,000 No 0.01% 0.01%
$10,001 and up No 0.01% 0.01%

Spark Checking

Effective Date: - 12:00 A.M. EST

  • APY = Annual Percentage Yield.
Interest Rate APY
0.00% 0.00%

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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.

Auto Loan

Effective Date: - 12:00 A.M. EST

  • *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.
  • Loans are based on credit approval.
  • Credit terms for loans secured by autos may require up to a 20% down payment, based on credit worthiness.
Account Info Term APR (As low as) Payment Amount
New & Used Autos No Model Year Limitation 12 to 48 Months 5.44% $23.24/mo per $1,000 borrowed based on maximum term.
New & Used Autos 2017 - Newer 12 to 60 Months 5.44% $19.08/mo per $1,000 borrowed based on maximum term.
New & Used Autos 2020 - Newer 61 to 72 Months 5.74% $16.46/mo per $1,000 borrowed based on maximum term.
New & Used Autos 2021 - Newer 73 to 84 Months 6.49% $14.85/mo per $1,000 borrowed based on maximum term.

Motorcycle Loan

Effective Date: - 12:00 A.M. EST

  • *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.
  • Loans are based on credit approval.
  • Credit terms for loans secured by motorcycles may require up to a 20% down payment, based on credit worthiness.
Account Info Term APR (As low as) Payment Amount
New & Used Motorcycles No Model Year Limitation 12 to 48 Months 5.44% $23.24/mo per $1,000 borrowed based on maximum term.
New & Used Motorcycles 2017 - Newer 12 to 60 Months 5.44% $19.08/mo per $1,000 borrowed based on maximum term.
New & Used Motorcycles 2020 - Newer 61 to 72 Months 5.74% $16.46/mo per $1,000 borrowed based on maximum term.
New & Used Motorcycles 2021 - Newer 73 to 84 Months 6.49% $14.85/mo per $1,000 borrowed based on maximum term.

Boat/RV Loan

Effective Date: - 12:00 A.M. EST

  • 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.
  • Loans are based on credit approval.
  • Credit Terms for loans secured by a Boat/RV may require a maximum 20% down payment.
Term APR (As low as) Payment Amount
Up to 60 Months 6.99% $19.80/mo per $1,000 borrowed based on maximum term.
61 to 84 Months 7.13% $15.16/mo per $1,000 borrowed based on maximum term.
85 to 120 Months 7.49% $11.87/mo per $1,000 borrowed based on maximum term.
121 to 180 Months 7.74% $9.56/mo per $1,000 borrowed based on maximum term.

Powersport Loan

Effective Date: - 12:00 A.M. EST

  • *All rates listed are the Annual Percentage Rate (APR).
  • Rates are based on the applicant(s) credit score.
  • Loans are based on credit approval.
  • Rates are subject to change without notice.
  • Credit Terms for Loans secured by your vehicle may require a maximum 20% down payment.
Term APR (As low as) Payment Amount
0 to 36 Months 6.59% $30.70/mo per $1,000 borrowed based on maximum term.
37 to 48 Months 6.69% $23.81/mo per $1,000 borrowed based on maximum term.
49 to 60 Months 6.79% $19.71/mo per $1,000 borrowed based on maximum term.
61 to 84 Months 6.89% $15.05/mo per $1,000 borrowed based on maximum term.

Personal Loans

Effective Date: - 12:00 A.M. EST

  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • APR = Annual Percentage Rate.
  • 1 Rates are based on the applicant’s credit score.
  • 2 >There are no transaction, membership, activity, or participation fees.
  • ‡ Share secured loans are issued at 2.00% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 3.00%. Rates adjust annually in the anniversary month of the loan.
    Personal Loan Approximate Term APR (As low as) Payment Amount
    Personal Loan1 Up to 60 Months 10.99% $21.75/mo per $1,000 borrowed based on maximum term.
    Debt Consolidation1 Up to 84 Months 11.49% $17.39/mo per $1,000 borrowed based on maximum term.
    Share Secured(2)(‡) 4.30%
    Overdraft Line of Credit2 15.00%
    Qwik Check Line of Credit2 12.60%
    Prestige Line of Credit2 8.90%

    Credit Card

    Effective Date: - 12:00 A.M. EST

    • All rates listed are the Annual Percentage Rate (APR).
    • Rates are based on the applicant(s) credit score.
    • Loans are based on credit approval.
    • Rates are subject to change without notice.
    Loan Type APR
    Visa Platinum 8.90%
    Visa Platinum 10.90%
    Visa Platinum 12.60%

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    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.

    Fixed Mortgage

    Effective Date: - 12:00 A.M. EST
    Term Rate APR (As low as) Payment Amount
    10 Year Fixed 5.500% 5.759% $10.86/mo per $1,000 borrowed.
    15 Year Fixed 5.750% 5.936% $8.31/mo per $1,000 borrowed.
    20 Year Fixed 6.000% 6.151% $7.17/mo per $1,000 borrowed.
    30 Year Fixed 6.375% 6.494% $6.24/mo per $1,000 borrowed.

    Balloon Mortgage

    Effective Date: - 12:00 A.M. EST

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

    **Balloon repayment and option to refinance example: If you borrow $120,000 at 6.271% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $719.46 and one final payment of approximately $112,384.78. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
    Balloon Amortization Period Rate APR (As low as) Payment Amount
    5-Year Balloon** 30 Years 6.000% 6.271% $6.00/mo per $1,000 based on maximum Amortization Period.
    7-Year Balloon** 30 Years 6.250% 6.462% $6.16/mo per $1,000 based on maximum Amortization Period.
    10-Year Balloon** 30 Years 6.500% 6.668% $6.33/mo per $1,000 based on maximum Amortization Period.

    Vacant Land

    Effective Date: - 12:00 A.M. EST

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

    †Balloon repayment and option to refinance example: If you borrow $50,000 at 7.512% APR for a 180 month amortization, 36 month balloon term, you will make 35 payments of approximately $449.41 and one final payment of approximately $44,150.68. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
    Balloon Amortization Period Rate APR (As low as) Payment Amount
    3-Year Balloon† 15 Years 7.000% 7.512% $8.99/mo per $1,000 borrowed based on maximum Amortization Period.

    Home Equity Rates

    Mortgage applicants please read our Mortgage Applicant Disclosure.

    Home Cash Equity Loan

    Effective Date: - 12:00 A.M. EST

    • 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.

    † Balloon repayment and option to refinance example: If you borrow $50,000 at 7.212% APR for a 240 month amortization, 60 month balloon term, you will make 59 payments of approximately $387.65 and one final payment of approximately $43,515.96. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
    Loan Information Interest Rate APR (As low as) Payment Amount
    Loan amounts greater than or equal to 80.00% to 90.00% Loan to Value, appraisal may be required. 7.500 7.724% $8.06/mo per $1,000 borrowed based on maximum amortization period.
    Loan amounts less than or equal to 80.00% Loan to Value. 7.000 7.212% $7.76/mo per $1,000 borrowed based on maximum amortization period.

    Home Equity Line of Credit

    Effective Date: - 12:00 A.M. EST

    • There are no transaction, activity, membership, or participation fees.
    • 10 year draw period, 25 year amortization period.
    • Additional charges may apply.
    • Maximum rate 18%.
    Loan Information Interest Rate APR (As low as) Payment Amount
    $5,000 minimum; $500,000 maximum; up to 90% of appraised value. 7.500 7.500% APR is variable and reviewed monthly.

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    Business 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.

    Business Explanation of Rates & Services Charges

    Business Membership Savings

    Effective Date: - 12:00 A.M. EST

    • Minimum opening balance: $5.
    • Minimum balance to earn dividends: $5.
    • Dividends are compounded & credited quarterly.
    Interest Rate APY
    0.05% 0.05%

    Business Extra Savings

    Effective Date: - 12:00 A.M. EST

    • Minimum opening balance: $0.
    • Minimum balance to earn dividends: $1.
    • Dividends are compounded & credited quarterly.
    Interest Rate APY
    0.05% 0.05%

    Business High Yield Savings

    Effective Date: - 12:00 A.M. EST

    • 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.
    Account Balance Interest Rate APY
    Balances from $1,000.00 to $24,999.99 1.09% 1.10%
    Balances from $25,000.00 to $49,999.99 1.19% 1.20%
    Balances from $50,000.00 to $99,999.99 1.34% 1.35%
    Balances from $100,000.00 to $249,999.99 1.49% 1.50%
    Balances from $250,000.00 to $499,999.99 1.64% 1.65%
    Balances from $500,000.00 to $999,999.99 1.88% 1.90%
    Balances of $1,000,000.00 and more 2.08% 2.10%

    Business Certificates

    Business Certificate Specials

    Effective Date: - 12:00 A.M. EST

    • APY = Annual Percentage Yield.
    • Minimum opening balance: $500.
    • Minimum balance to earn dividends: $500.
    • Dividends are compounded & credited monthly.
    • There is a penalty for early withdrawal.
    Term Interest Rate APY
    9 Month Special 3.93% 4.00%

    Business Certificates

    Effective Date: - 12:00 A.M. EST

    • APY = Annual Percentage Yield.
    • $500 minimum opening balance.
    • Minimum balance to earn dividends: $500.
    • Dividends are compounded & credited monthly.
    • There is a penalty for early withdrawal.
    Term Interest Rate APY
    6 - 11 Months 3.35% 3.40%
    12 - 17 Months 3.40% 3.45%
    18 - 23 Months 3.45% 3.50%
    24 - 35 Months 3.35% 3.40%
    36 - 47 Months 3.49% 3.55%
    48 - 59 Months 3.54% 3.60%
    60 Months 3.59% 3.65%

    Jumbo Business Certificate Specials

    Effective Date: - 12:00 A.M. EST

    • APY = Annual Percentage Yield.
    • $100,000 minimum balance.
    • Dividends are compounded & credited monthly.
    • There is a penalty for early withdrawal.
    Term Interest Rate APY
    9 Month Special 4.17% 4.25%

    Jumbo Business Certificates

    Effective Date: - 12:00 A.M. EST

    • APY = Annual Percentage Yield.
    • $100,000 minimum balance.
    • Dividends are compounded & credited monthly.
    • There is a penalty for early withdrawal.
    Term Interest Rate APY
    6 to 11 months 3.59% 3.65%
    12 to 17 months 3.64% 3.70%
    18 to 23 months 3.69% 3.75%
    24 to 35 months 3.59% 3.65%
    36 to 47 months 3.98% 4.05%
    48 to 59 months 4.03% 4.10%
    60 months 4.07% 4.15%

    Ultimate Business Checking

    Effective Date: - 12:00 A.M. EST

    • *APY=Annual Percentage Yield. APY is accurate as of today’s date, may be variable, and may be subject to change after the account is opened. Fees and other conditions may reduce earnings.
    Account Balance Interest Rate APY
    Balances from $0.00 to $49,999.99 0.10% 0.10%
    Balances of $50,000 and more 0.15% 0.15%

    Business Credit Card

    Effective Date: - 12:00 A.M. EST

    • Rates are based on the applicant(s) credit score. Rates are subject to change.
    • 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.
    Account Info APR
    Purchases 10.90%
    Balance Transfers 15.90%
    Cash Advances 15.90%

    Business Lines of Credit

    Effective Date: - 12:00 A.M. EST

    • Business Checking Account required.
    • Must pay down at least once a year.
    • Renews every one, two, three, four, or five years (determined at the time of loan approval).
    • Additional payments can be made in person, mail, online banking, mobile banking, or by calling the Contact Center.
    • Interest Only Payments
    Loan Type APR Loan Amount Payment Amount
    Overdraft Plus 10.50% $500-$2,500 Starting at $50
    Overdraft Line 8.90% $2,501-$50,000 3% of Balance
    Business Lines of Credit Varies Varies Varies

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