Auto & Titled Motorcycle Loans

Effective 11/04/2021

Year	Maximum Term	Annual Percentage Rate†	Payment Per $1,000
2021 & Newer*	84 Months	As Low as 3.59%	$13.48
2020 & Newer**	72 Months	As Low as 3.49%	$15.41
2019 & Newer	72 Months	As Low as 3.49%	$15.41
2016-2018	60 Months	As Low as 2.89%	$17.92
2013-2015	48 Months	As Low as 2.69%	$22.00
2010-2012	36 Months	As Low as 2.49%	$28.86
2007-2009***	24 Months	As Low as 5.49%	$44.09

*Minimum Loan Amt. $25,000 (Tier I,II & III only)
**Term extension available only if Average or Low miles. Minimum loan amount $25,000. (Tier I,II,III only) Commercial Vehicles do not qualify for term extensions beyond 72 months.
***Add 1.00% for high mileage.

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.

Other Secured Loans

Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer

Effective 11/04/2021

Year	Maximum Term	Annual Percentage Rate†	Payment Per $1,000
2020 & Newer	72 Months	As Low as 3.49%	$15.41
2018-2019	60 Months	As Low as 2.89%	$17.92
2016-2017	48 Months	As Low as 2.69%	$22.00
2014-2015	36 Months	As Low as 2.49%	$28.86
2011-2013	24 Months	As Low as 2.49%	$42.76
2009-2010*	24 Months	As Low as 5.49%	$44.09

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate not to exceed 3.00%

Motor Home, Camper and Boat

Effective 11/04/2021

Year	Maximum Term	Annual Percentage Rate†	Payment Per $1,000
2021 & Newer*	180 Months	As Low as 4.99%	$7.90
2021 & Newer**	144 Months	As Low as 4.49%	$9.00
2019 & Newer***	120 Months	As Low as 4.49%	$10.36
2017-2018	84 Months	As Low as 3.59%	$13.48
2015-2016	72 Months	As Low as 3.49%	$15.41
2013-2014	60 Months	As Low as 2.89%	$17.92
2011-2012	48 Months	As Low as 2.69%	$22.00
2011-2010	36 Months	As Low as 2.49%	$28.86
2009-2010	Up to 36 Months	As Low as 5.49%	$44.09

*Minimum Loan Amount $35,000 Tier I & II Only
**Minimum Loan Amount $30,000 Tier I & II Only)
***Minimum Loan Amount $25,000 Tier I & II Only)
The maximum loan amount for boats is $50,000.  Maximum term is 120 months.
The maximum loan amount for Motor Homes and campers is $75,000.  Maximum term is 180 months.

Tractor (Personal use only)

Effective 10/11/2019

Loan Amount	Maximum Term	Annual Percentage Rate†	Payment Per $1,000
$15,000 to $25,000	72 Months	3.49%	$15.41
$10,000 to $14,999	60 Months	2.89%	$17.92
$6,000 to $9,999	48 Months	2.69%	$22.00
$3,000 to $5,999	36 Months	2.49%	$28.86
$500 to $2,999	24 Months	2.49%	$42.76

Unsecured Loans

Effective 01/17/2019

Maximum Term	Annual Percentage Rate†	Payment Per $1,000
60 Months	As Low as 11.50%	$21.99
48 Months	As Low as 10.50%	$25.60
36 Months	As Low as 10.25%	$32.38
24 Months	As Low as 10.00%	$46.14
12 Months	As Low as 9.50%	$87.68

Visa Credit Card

Purchases: 13.90% APR*

Balance Transfer: 6.95% APR* for the life of the balance transferred.

*Annual Percentage Rate

Lifestyle Line of Credit

Effective 03/15/2020

Term	Rate	Annual Percentage Rate	Monthly Payment
Revolving*	Prime + 3.00%	6.50%	2.00% of the outstanding balance, or $100.00, whichever is greater.

*640+ Credit Score needed to Qualify.
WSP as of 03/15/2020 is 3.25%.
The Periodic Rate is 0.01986%

Home Fuel/ Energy Efficiency Loans

Loan Type	Term	Maximum Loan Amount	Annual Percentage Rate	Payment Per $1,000
Energy Efficiency	36 Months	$5,000	4.40%	$29.70
Energy Efficiency	24 Months	$5,000	3.90%	$43.38
Home Fuel	12 Months	$3,000	3.40%	$84.88

 

Technology Loans

Effective 03/30/2018

Maximum Loan Amount	Max Loan Term	Annual Percentage Rate†	Payment Per $1,000
$2,000	12 Months	As low as 3.65%	$84.99

Credit Builder Loans

Credit Builder Loan is available to members with no credit score or credit scores 599 or lower.

Minimum Loan Amount	Maximum Loan Amount	Minimum Term	Maximum Term	Annual Percentage Rate	Payment Per $1,000
$500	$1,000	6 Months	12 Months	5.15%	$85.68

 

†Annual Percentage Rate based on a credit score of 680 or higher.