Consumer Loan Rates

Auto & Titled Motorcycle Loans

Effective 07/06/2020

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2020 & Newer*84 MonthsAs Low as 3.00%$13.21
2019 & Newer**72 MonthsAs Low as 2.65%$15.04
2018 & Newer72 MonthsAs Low as 2.65%$15.04
2015-201760 MonthsAs Low as 2.40%$17.70
2012-201448 MonthsAs Low as 2.30%$21.83
2009-201136 MonthsAs Low as 1.99%$28.64
2006-2008***24 MonthsAs Low as 4.99%$43.87

*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 07/06/2020

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2019 & Newer72 MonthsAs Low as 2.65%$15.17
2017-201860 MonthsAs Low as 2.40%$17.92
2015-201648 MonthsAs Low as 2.30%$22.05
2013-201436 MonthsAs Low as 1.99%$28.97
2010-201224 MonthsAs Low as 1.99%$42.87
2008-2009*24 MonthsAs Low as 4.99%$44.21

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 07/06/2020

YearMaximum TermAnnual Percentage Rate†Payment Per $1,000
2020 & Newer*180 MonthsAs Low as 5.25%$8.04
2020 & Newer**144 MonthsAs Low as 4.50%$9.00
2018 & Newer***120 MonthsAs Low as 4.50%$10.36
2016-201784 MonthsAs Low as 3.00%$13.21
2014-201572 MonthsAs Low as 2.65%$15.04
2012-201360 MonthsAs Low as 2.40%$17.70
2010-201148 MonthsAs Low as 2.30%$21.83
2010-201136 MonthsAs Low as 1.99%$28.64
2008-2009Up to 36 MonthsAs Low as 4.99%$29.97

*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 AmountMaximum TermAnnual Percentage Rate†Payment Per $1,000
$15,000 to $25,00072 Months3.75%$15.53
$10,000 to $14,99960 Months3.50%$18.19
$6,000 to $9,99948 Months3.50%$22.36
$3,000 to $5,99936 Months3.50%$29.30
$500 to $2,99924 Months3.50%$43.20

Unsecured Loans

Effective 01/17/2019

Maximum TermAnnual Percentage Rate†Payment Per $1,000
60 MonthsAs Low as 11.50%$21.99
48 MonthsAs Low as 10.50%$25.60
36 MonthsAs Low as 10.25%$32.38
24 MonthsAs Low as 10.00%$46.14
12 MonthsAs 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

TermRateAnnual Percentage RateMonthly Payment
Revolving*Prime + 3.00%6.25%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 TypeTermMaximum Loan AmountAnnual Percentage RatePayment Per $1,000
Energy Efficiency36 Months$5,0004.40%$29.70
Energy Efficiency24 Months$5,0003.90%$43.38
Home Fuel12 Months$3,0003.40%$84.88

 

Technology Loans

Effective 03/30/2018

Maximum Loan AmountMax Loan TermAnnual Percentage Rate†Payment Per $1,000
$2,00012 MonthsAs 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 AmountMaximum Loan AmountMinimum TermMaximum TermAnnual Percentage RatePayment Per $1,000
$500$1,0006 Months12 Months5.15%$85.68

 

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