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.