Loan Calculator

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Loan Amount
The Loan Amount is the amount of money you will be requesting from us to use for your purchase.
Rate
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Example: typing 4.5 = 4.5%

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Auto

Auto Loan Rates

Current as of May 25, 2020

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Loan Term (max) Rate Type APR*
48 Months Fixed 2.85%
60 Months Fixed 2.99%
72 months Fixed 3.15%
84 months (max LTV 110%) Fixed 3.89%
84 months (max LTV 125%) Fixed 4.25%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

RV & Boat

Large RV (Motorhomes, Travel Trailers, Campers, Boats and Utility Trailers)

Current as of May 25, 2020

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Loan Term (max) Rate Type APR* Terms
60 months Fixed 4.80%
72 months Fixed 4.85% $7,500 minimum
96 months Fixed 4.95% $10,000 minimum
120 months Fixed 4.99% $15,000 minimum
144 months Fixed 5.35% $30,000 minimum
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Small RV (Snowmobiles, Small Watercraft, ATVs and Motorcycles)

Current as of May 25, 2020

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Loan Term (max) Rate Type APR* Terms
48 months Fixed 4.65%
60 months Fixed 4.75%
72 months Fixed 4.85% $7,500 minimum
84 months Fixed 4.95% $10,000 minimum
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Credit Card

VISA Platinum

Current as of May 25, 2020

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Card Type Rate Type APR* Features
Go2 Variable Prime + 1.71% No balance transfer fees
Cash Back Variable Prime + 11.5% 1% Cash Back on every purchase
Rewards Variable Prime + 8.5% Scorecard Rewards on every purchase
Wildcat Card Variable Prime + 8.5% Support WSU while earning Scorecard Rewards
Rate Advantage Variable Prime + 6.5% Low rate
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.
Current Prime Rate = 3.25%

Personal

Personal Loans

Current as of May 25, 2020

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Loan Term Rate Type APR*
36 Months Fixed 7.45%
48 Months Fixed 7.70%
60 Months Fixed 7.95%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Share Secured Loans

Current as of May 25, 2020

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Loan Term Rate Type APR*
48 Months Fixed 2.60%
60 Months Fixed 2.74%
72 Months Fixed 2.90%
84 Months Fixed 3.64%
120 Months Fixed 4.74%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Certificate Secured Loans

Current as of May 25, 2020

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Loan Term Rate Type APR*
Variable Variable Certificate Rate + 1.50%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Home Equity

Home Equity Line of Credit (Evergreen)

Current as of May 25, 2020

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Loan to Value (LTV) APR (as low as) Max Lifetime APR Max Line Amount
80% 1.99%** 12 month intro rate 18.00% $100,000
80% - 3.50% (Prime + .25%) 18.00% $100,000
85% 4.75% (Prime + 1.50%) 18.00% $75,000
90% 5.75% (Prime + 2.50%) 18.00% $50,000
100% 7.75% (Prime + 4.50%) 18.00% $50,000
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Current Prime Rate = 3.25%
**Introductory fixed rate is valid for first 12 months and only available for loans at or below 80% LTV and borrower meets minimum credit requirements. Terms and conditions apply. See credit union for details.
Variable rates adjust monthly and are based upon the Prime Rate as listed in the Money Section of the Wall Street Journal. An early cancellation fee of $195 will apply if the line of credit is closed within 18 months.
*Draw period is ongoing, but subject to periodic credit review by the credit union.

Home Equity - Second Mortgage (Fixed Rate)

Current as of May 25, 2020

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Loan Term 80% LTV 85% LTV 90% LTV 100% LTV
60 Months 4.39% 5.25% 6.35% 6.65%
84 Months 4.65% 5.55% 6.50% 6.85%
120 Months 4.90% 5.80% 6.60% 6.99%
Max Loan Amount $100K $75K $50K $50K
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*Rate (APR)= Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your actual rate may vary depending on a variety of factors including, but not limited to: your credit score and history, Loan to Value ratio, current mortgage status, and type of loan. For a payment or rate quote, please contact a WSCU loan officer at 801-399-9728.

In-House Mortgage

In-House Fixed Mortgages

Current as of May 25, 2020

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Loan Type Loan Term (Max) Rate* APR**
In-House 15 Yr 2.990% 3.176%
In-House 12 Yr 2.990% 3.218%
In-House 10 Yr 2.990% 3.261%
In-House 7 Yr 2.990% 3.370%
In-House 5 Yr 2.875% 3.350%
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*Rate = Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your rate may vary depending on a variety of factors including, but not limited to: your credit score and history, current mortgage status, and type of loan. For complete details and a payment or rate quote, please contact a WSCU loan officer at 801-399-9728.
**Conventional and In House APR assume a loan amount of $175,000, purchase of a primary residence, single-family dwelling in the state of Utah and loan to value (LTV) ratio of 80% (refinance rates may vary). The rate lock period is 45 days and assumed credit score of 740. Please contact a WSCU loan officer at 801-399-9728 for our FHA and VA loan program details.

In-House Balloon Mortgages

Current as of May 25, 2020

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Loan Type Loan Term (Max) Rate* APR**
In-House Balloon 30 Yr (15 Yr Balloon) 3.375% 3.347%
In-House Balloon 30 Yr (12 Yr Balloon) 3.375% 3.362%
In-House Balloon 30 Yr (10 Yr Balloon) 3.250% 3.377%
In-House Balloon 30 Yr (7 Yr Balloon) 3.250% 3.417%
In-House Balloon 30 Yr (5 Yr Balloon) 3.125% 3.346%
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*Rate = Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your rate may vary depending on a variety of factors including, but not limited to: your credit score and history, current mortgage status, and type of loan. For complete details and a payment or rate quote, please contact a WSCU loan officer at 801-399-9728.

**Conventional and In House APR assume a loan amount of $175,000, purchase of a primary residence, single-family dwelling in the state of Utah and loan to value (LTV) ratio of 80% (refinance rates may vary). The rate lock period is 45 days and assumed credit score of 740. Please contact a WSCU loan officer at 801-399-9728 for our FHA and VA loan program details.

In-House Lot Loans

Current as of May 25, 2020

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Loan Type Loan Term (Max) Rate* APR**
In-House Lot Loan 20 Yr (10 Yr Balloon) 5.490% 5.678%
In-House Lot Loan 20 Yr (5 Yr Balloon) 4.990% 5.291%
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Mortgage

30 year fixed

Current as of May 25, 2020

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Loan Type/Term Rate APR
Conf 30 Yr Fixed 3.375 % 3.473 %
Govt VA 30 Yr Fixed 5.125 % 5.362 %
Govt FHA 30 Yr Fixed 3.750 % 4.583 %
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25 year fixed

Current as of May 25, 2020

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Loan Type/Term Rate APR
Conf 25 Yr Fixed 3.375 % 3.489 %
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20 year fixed

Current as of May 25, 2020

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Loan Type/Term Rate APR
Conf 20 Yr Fixed 3.375 % 3.513 %
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15 year fixed

Current as of May 25, 2020

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Loan Type/Term Rate APR
Conf 15 Yr Fixed 2.750 % 2.926 %
Govt VA 15 Yr Fixed 4.625 % 5.026 %
Govt FHA 15 Yr Fixed 4.500 % 5.482 %
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10 year fixed

Current as of May 25, 2020

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Loan Type/Term Rate APR
Conf 10 Yr Fixed 2.875 % 3.132 %
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*Rate = Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your rate may vary depending on a variety of factors including, but not limited to: your credit score and history, current mortgage status, and type of loan. For complete details and a payment or rate quote, please contact a WSCU loan officer at 801-399-9728.
**Conventional and In House APR assume a loan amount of $175,000, purchase of a primary residence, single-family dwelling in the state of Utah and loan to value (LTV) ratio of 80% (refinance rates may vary). The rate lock period is 45 days and assumed credit score of 740. Please contact a WSCU loan officer at 801-399-9728 for our FHA and VA loan program details.

Savings

Savings

Current as of May 25, 2020

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Savings type Minimum balance to earn interest Yield*
Share Savings* $150 0.10%
MyFund $0.01 to $4,999.99 0.15%
MyFund $5,000 + 0.10%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

Debit/Checking

Debit/Checking Account

Current as of May 25, 2020

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Account type Minimum balance Yield* Benefits
Interest Debit $1,000+ 0.05% Interest on balances
Rewards Debit $0 - Scorecard Rewards points
Free Debit $0 - No minimum balances or maintenance fees
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

Certificates

Certificates of Deposit

Current as of May 25, 2020

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Term Yield* APR VIP Yield** VIP APR
3 Months 0.35% 0.35% 0.50% 0.50%
6 Months 0.45% 0.45% 0.60% 0.60%
12 Months 0.55% 0.55% 0.70% 0.70%
18 Months 0.70% 0.70% 0.85% 0.85%
24 Months 0.85% 0.85% 1.00% 1.00%
36 Months 1.00% 1.00% 1.15% 1.15%
48 Months 1.10% 1.10% 1.25% 1.24%
60 Months 1.15% 1.15% 1.30% 1.29%
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All CDs have a minimum deposit of $500.
*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. rates are reserved for V.I.P. club members. For more information on the V.I.P. Club, click here.

Money Market

Rewards Money Market Savings

Current as of May 25, 2020

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Rate Tier Yield* VIP Yield**
$0.01 - $4,999.99 0.00% 0.00%
$5,000 - $9,999.99 0.15% 0.20%
$10,000 - $24,999.99 0.20% 0.25%
$25,000 - $49,999.99 0.25% 0.30%
$50,000 - $99,999.99 0.30% 0.35%
$100,000 - $249,999.99 0.35% 0.40%
$250,000+ 0.40% 0.45%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. rates are reserved for V.I.P. club members. For more information on the V.I.P. Club, click here.

IRA

IRA Accumulators

Current as of May 25, 2020

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IRA Type Minimum Balance to Earn Interest Yield*
Traditional $0 0.10%
Roth $0 0.10%
ESA $0 0.10%
SEP $0 0.10%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
IRA Certificates of Deposit

Current as of May 25, 2020

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Term Yield* VIP Yield**
3 Months 0.35% 0.50%
6 Months 0.45% 0.60%
12 Months 0.55% 0.70%
18 Months 0.70% 0.85%
24 Months 0.85% 1.00%
36 Months 1.00% 1.15%
48 Months 1.10% 1.25%
60 Months 1.15% 1.30%
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Visit Any Branch to Open
All CDs have a minimum deposit of $500.
*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

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