Rates
LOAN RATES
Effective Date: September 18, 2025
Loan rates subject to change without notice
APR=Annual
Percentage Rate
* as low as
| Loan Type | Term | APR (Min)* | APR (Max) | Payment Example (per $1,000) |
|---|---|---|---|---|
| First Mortgage | Up to 360 months | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
|
New Autos (Model Years 2019-2025)
|
Up to 42 months | 5.75% | 16.90% | $26.34 - $31.70 |
| Up to 66 months | 5.95% | 18.00% | $17.80 - $23.97 | |
| Up to 90 months | 6.75% | 8.55% | $14.19 - $15.09 | |
|
Pre-Owned Vehicles (Model Years 2016-2018)
|
Up to 42 months | 6.25% | 18.00% | $26.57 - $32.26 |
| Up to 66 months | 6.85% | 16.80% | $18.23 - $23.31 | |
| Up to 90 months | 7.75% | 9.45% | $14.69 - $15.55 | |
|
Older Models (Model Years 2015 and older)
|
Up to 42 months | 10.00% | 12.65% | $28.32 - $29.59 |
| Up to 66 months | 11.20% | 13.75% | $20.36 - $21.68 | |
| Motorcycles, Jet Skis & ATV Vehicles | Up to 42 months | 6.24% | 18.00% | $26.57 - $32.26 |
| Up to 78 months | 7.49% | 18.00% | $16.23 - $21.84 | |
| Motorhome, Travel Trailers, Campers & Yachts | Up to 56 Months | 8.75% | 15.50% | $21.81 - $25.20 |
| Up to 180 months | 10.50% | 11.00% | $11.05 - $11.37 | |
| Boats Under 30 ft | Up to 56 Months | 8.75% | 15.50% | $21.81 - $25.20 |
| Up to 120 months | 10.00% | 11.25% | $13.22 - $13.92 | |
| Tractors and Horse Trailers (Maximum Loan Amount: $30,000) | Up to 42 months | 6.24% | 18.00% | $26.57 - $32.26 |
| Up to 60 months | 6.99% | 17.74% | $19.80 - $25.25 | |
| Share Secured Loan | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
| Lifestyle Loan/Signature Loan | Up to 12 months | 9.99% | 18.00% | $87.91 - $91.68 |
| Up to 72 months | 11.99% | 12.99% | $19.54 - $20.07 | |
| EZ$ Loan | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms | Contact WCU for terms |
| Personal Line
of Credit (Min. Loan Amount: $500; Max. Loan Amount: $20,000) |
Revolving | 13.50% | — | — |
| VISA
Rewards Disclosures |
Revolving | 12.90% 2.99% Intro rate for 6 months |
— | — |
| VISA
Platinum Disclosures |
Revolving | 14.90% | — | — |
| Up To 100% CLTV Home Equity Loan [Fixed Rate] ** | Contact WCU for terms | 6.35% | 13.85% | — |
| Home Equity Line of Credit [Variable Rate]** | Contact WCU for terms | 7.50% | 13.50% | — |
**Home Equity Loan Terms APR = Annual Percentage Rate. No closing costs except appraisal if required. Estimated appraisal cost: $745. Your interest rate and credit limit will be determined based on individual credit worthiness. Verification of income is required. Property Insurance is required. If the property is located in a Special Flood Hazard Area, we will require you to obtain flood insurance if it is available. An early closure fee (Title, Recording, Flood Determination – Total fees approximately $250) is applied if the loan is closed within the first 36 months. You must pay a Re-Conveyance Fee at the end of the contract in order to release our lien. This fee will be determined at the time of re-conveyance. Maximum loan amount is determined by a variety of methods, including County RMV, AVM Report, or Appraised Value. The APR includes interest only and no other costs and could change at any time. Variable Rate is equal to the Prime Rate index (currently 7.50% APR as of December 19, 2024) as published in the Wall Street Journal and is subject to change. To determine the APR which will apply to your account, a margin (currently 0.00% APR – 8.00% APR) will be added to your current index rate. As of December 19, 2024, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 7.50% APR – 15.50% APR). Home equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. In no event will the regular APR be less than the Prime Rate or more than 18.00% APR or applicable state law. Non-members may apply for a Home Equity Line of Credit. Membership with Wauna Credit Union is required for a Home Equity Line of Credit to be funded. Visit waunafcu.org for member eligibility details.
CHECKING RATES
Effective Date: April 1, 2025
APY= Annual Percentage Yield
| Type | Rate | APY |
|---|---|---|
| Simply Free Checking | Dividend Free Account | |
| Easy Interest Checking | 0.250% | 0.250% |
| 50+ Interest Checking | 0.250% | 0.250% |
| High Interest Checking $1,500+ | 1.638% | 1.650% |
| High Interest Checking $0 - $1,499.99 | 0.050% | 0.050% |
Sunsetted checking account types are at the bottom of the rates page. These products are no longer available.
SAVINGS/SHARE ADVANTAGE RATES
Effective Date: April 1, 2025
APY= Annual Percentage Yield
APY= Annual Percentage Yield disclosures
CERTIFICATE RATES
Effective Date: September 1st, 2025
| Type | Rate | APY |
|---|---|---|
| 9 Month Certificate
Special $500+ |
3.203% | 3.250% |
| 9 Month Certificate
Special $500+ Checking w/ Estatements* |
3.445% | 3.500% |
*You must be an owner on a Wauna Credit Union checking account with E-statement enrollment to earn the higher APY.
APY= Annual Percentage Yield DISCLOSURES
| Type | Rate | APY |
|---|---|---|
| 13 Month Savers Certificate $500+ |
1.982% | 2.000% |
APY= Annual Percentage Yield DISCLOSURES
| Type | Term | Rate | APY |
|---|---|---|---|
| $500 - 9,999.99 | 3 month | 0.747% | 0.750% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% | |
| $10,000 - 19,999.99 | 3 month | 0.747% | 0.750% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% |
| Type | Term | Rate | APY |
|---|---|---|---|
| $20,000 - 49,999.99 | 3 month | 0.747% | 0.750% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% | |
| $50,000 - 99,999.99 | 3 month | 0.747% | 0.750% |
| 6 month | 1.243% | 1.250% | |
| 12 month | 1.884% | 1.900% | |
| 18 month | 1.490% | 1.500% | |
| 24 month | 1.341% | 1.350% | |
| 36 month | 1.243% | 1.250% | |
| 48 month | 1.095% | 1.100% | |
| 60 month | 1.095% | 1.100% |
APY= Annual Percentage Yield. Disclosures
MONEY MARKET RATES
Effective Date: April 1, 2025
ELITE+ MONEY MARKET
(Minimum opening deposit $5,000, minimum to earn dividends listed below)
| Type | Rate | APY |
|---|---|---|
| $5,000 – 99,999.99 | 1.100% | 1.106% |
| $100,000 – 249,999.99 | 1.854% | 1.870% |
| $250,000 – 749,999.99 | 2.106% | 2.126% |
| $750,000+ | 2.355% | 2.381% |
APY= Annual Percentage Yield DISCLOSURES
TRADITIONAL MONEY MARKET
(Minimum opening deposit is $100.00, minimum to earn dividends below)
APY= Annual Percentage Yield DISCLOSURES
Roth, Roth Conversion, Traditional & SEP IRA
| Type | Rate | APY |
|---|---|---|
| $0 – 2,499.99 | 0.500% | 0.501% |
| $2,500 – 4,999.99 | 0.500% | 0.501% |
| $5,000 – 24,999.99 | 0.500% | 0.501% |
| $25,000 – 59,999.99 | 1.000% | 1.005% |
| $60,000 – 99,999.99 | 1.244% | 1.250% |
| $100,000 – 124,999.99 | 1.244% | 1.250% |
| $125,000+ | 1.244% | 1.250% |
APY= Annual Percentage Yield DISCLOSURES
Coverdell
| Type | Rate | APY |
|---|---|---|
| $0.01+ | 0.250% | 0.250% |
APY= Annual Percentage Yield disclosures
Health Savings Account (HSA)
| Type | Rate | APY |
|---|---|---|
| $0 – 2,499.99 | 0.050% | 0.050% |
| $2,500 – 9,999.99 | 0.150% | 0.150% |
| $10,000+ | 0.250% | 0.250% |
APY= Annual Percentage Yield disclosures
Jump Start Youth Savings
| Type | Rate | APY |
|---|---|---|
| $0 - $500 | 3.445% | 3.500% |
| $500.01 | 0.020% | 3.500% to 1.760% |
APY= Annual Percentage Yield disclosures
Holiday Club
| Type | Rate | APY |
|---|---|---|
| $50.00+ | 0.100% | 0.100% |
APY= Annual Percentage Yield disclosures
Escrow Savings Rate and Terms
| Type | Rate | APY |
|---|---|---|
| $0.00+ | 3.410% | 3.454% |
APY= Annual Percentage Yield DISCLOSURES
Sunsetted Products
(No Longer Available as a New Product)
Go Green Checking
| Type | Rate | APY |
|---|---|---|
| $0.01 to $10,000 | 1.490% | 1.500% |
| $10,000.01+ | 0.050% | 1.500% to 0.340% |
| $0.01+ (Requirements Not Met) | 0.000% | 0.000% |
APY= Annual Percentage Yield DISCLOSURES
BUSINESS PRODUCT LINE RATES
Effective Date: September 1, 2025
APY= Annual Percentage Yield
Business Product Rates
Business Product Line Fees