Loan Rates

Rates effective as of 4/2/2020.

Consumer Loans (Fixed Rate)
FICO Score Up To 36 Months 37-48 Months 49-60 Months Share Secured Loans (60 Month Term)
760 + 6.00% 7.00% 9.50% 3.35%
700-759 9.00% 10.00% 11.50% 3.35%
650-699 10.00% 11.00% 12.50% 3.35%
600-649 11.00% 12.00% 13.50% 3.35%
550-599 13.00% 14.00% 15.50% 3.35%
New Auto Loans
FICO Score Up to 36 Months UP 37-48 Months UP 49-60 Months UP 61-72 Months
760+ 1.50% 2.50% 2.50% 3.50%
700-759 2.50% 3.50% 3.50% 4.50%
650-699 3.50% 4.50% 4.50% 5.50%
600-649 4.50% 5.50% 6.50% 7.50%
550-599 6.50% 7.50% N/A N/A
Used Auto Loans
FICO Score        
760+ 4.00% 4.00% 4.00% 5.00%
700-759 5.00% 6.00% 7.00% 8.00%
650-699 6.00% 7.00% 8.00% 9.00%
600-649 7.00% 8.00% 9.00% 10.00%
550-599 8.00% 9.00% 10.00% 11.00%
Student Loan Consolidation (Variable Rate)
Term Above 800 Between 760-799 Between 700-759
5 Years Prime - 1.50% Prime - 0.50% Prime + 0.50%
7 Years Prime - 1.25% Prime - 0.25% Prime + 0.75%
10 Years Prime - 0.75% Prime + 0.25% Prime + 1.25%
12 Years Prime - 0.50% Prime + 0.50% Prime + 1.50%
15 Years Prime - 0.25% Prime + 0.75% Prime + 1.75%
Student Loan Consolidation (Fixed Rates)
Term Above 800 Between 760-799 Between 700-759
5 Years 3.5% 4.5% 5.5%
7 Years 4.0% 5.0% 6.0%
10 Years 4.5% 5.5% 6.5%
12 Years 5.0% 6.0% 6.74%
15 Years 5.5% 6.5% 6.74%

Loan Length and Deferral Periods: Term of the loan is up to a maximum 180 month fully amortized loan. Interest will accrue on a daily basis.

The variable rate consolidation loans, indexed to the Prime Interest Rate, and adjusts quarterly. There is an interest rate ceiling of 8.5%. Effective 12/20/2018, prime rate is 5.5%.

Eligibility: Alumni with the credit score above 700 and D/I ratio up to 40%. Must be currently employed full time at the WUHEFCU and have at least 2 years of employment.

© 2015 Winthrop-University Hospital Employees Federal Credit Union
Phone: 516-226-3616 | Fax: 516-441-6769
Email: info@wuhefcu.org
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