Rates & Fees

Savings Rates
Business Checking 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.

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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.

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Certificates

All certificates require a $2,000 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. Certificate specials and "Jumbo" rates are offered to individuals only.  Substantial penalty for early withdrawal; call the credit union for complete disclosures.

iinvest Youth Certificate (for members age 25 and younger)

• Available in 6 & 12 month terms
• Rates are .250% higher than the current 6-month and 12-month interest rates
• $500 minimum deposit
• $50 minimum add-on deposits

Withdrawals only at maturity

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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.

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Business Checking Rates

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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.

Open End Consumer Loans

• 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.

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Credit Cards - Platinum VISA

• Rates as low as 8.90%.
• Loans are based on credit approval.
• There are 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.

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Closed End Consumer Loans

• 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, Motorcycle, Recreational Vehicle, Boat, Motor Home or RV require a maximum 20% down payment.

*Boat and RV Balloon Repayment and Option to Refinance Example:  If you borrow $50,000 at 2.74% APR for a 180 month amortization, 60 month balloon term, you will make 59 payments of approximately $339.13 and one final payment of approximately $36,153.39.  Portions of the final payment may be refinanced with qualifying credit worthiness.

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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 and payment amount calculations assume a 20% downpayment has been made for a final loan amount of $120,000.

Mortgage applicants click here for additional disclosure information.

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Primary Residence & Second Homes

•  Purchase Transaction: Borrow up to 95% of the appraised value or sales price, whichever is less.
• Refinance Transaction: Borrow up to 80% (95% no "cash out") of the appraised value.
• **LTV's over 80% require Private Mortgage Insurance (PMI), and Escrow for property taxes and homeowners insurance.

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Balloon Mortgages

All payment examples are for principal and interest only, any escrow for property taxes and insurance would be additional.

30 Year Amortization 5 Year Balloon Repayment  and Option to Refinance Example:  If you make a 20% downpayment to purchase a home and borrow $120,000 at 3.285% APR for a 60 month term, you will make 59 payments of approximately $524.56 and one final payment of approximately $107,989.04.  Portions of the final payment may be refinanced with qualifying credit worthiness.

30 Year Amortization 7 Year Balloon Repayment and Option to Refinance Example: If you make a 20% downpayment to purchase a home and borrow $120,000 at 3.400% APR for an 84 month term, you will make 83 payments of approximately $532.18 and one final payment of approximately $102,578.13. Portions of the final payment may be refinanced with qualifying credit worthiness.

30 Year Amortization 10 Year Balloon Repayment and Option to Refinance Example: If you make a 20% downpayment to purchase a home and borrow $120,000 at 3.593% APR for a 120 month term, you will make 119 payments of approximately $545.11 and one final payment of approximately $94,029.05. Portions of the final payment may be refinanced with qualifying credit worthiness.

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Conventional Mortgages

All payment examples are for principal and interest only, any escrow for property taxes and insurance would be additional.

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Vacant Land

• Borrow up to 70% of appraised value, or sales price, whichever is less.

15 Year Amortization 3 Year Balloon Repayment and Option to Refinance Example: If you make a 30% downpayment to purchase land and borrow $50,000 at 5.393% APR for a 36 month term, you will make 35 payments of approximately $405.71 and one final payment of approximately $43,561.84. Portions of the final payment may be refinanced with qualifying credit worthiness.

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Closing Costs

Contact the Credit Union for details. Total costs average $2,000 to $2,500 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 click here for additional disclosure information.

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Home Cash Equity Loan

• $5,000 minimum; $250,000 maximum
• Up to 20 years, 5-year balloon
• $12 single credit report or $16 joint credit report
• $125.00 Processing Fee
• Additional charges may apply
• Appraisal and title work required for loan amounts greater than $50,000

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Equity Line of Credit

• 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%

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