Loan Rates

All completed applications must have proof of income attached, please fax (671-9391), mail, email (office@websterfcu.org) or bring the documents to the credit union office.

All loan rates and all terms are subject to change without notice.
Loan Rates as of August 3, 2019

Car Loan Rates

AGETerm (Up to)APR (as low as)
2017 – New602.99%
2017 – New723.29%
2017 – New844.09%
2013 – 2016603.49%
2013 – 2016723.89%
2011 – 2012484.25%
2004 – 2010484.85%

The above rates are for having payroll deductions/direct deposit.
Actual rate is based on the age of the car, your credit score, your credit history, and monthly income.  All Rates and all terms are subject to change without notice.

Classic/Antique Vehicles

Maximum AmountTerm (Up to)APR (as low as)
$ 30,000603.99%

Motorcycle, ATV, Snowmobile & Watercraft

AgeTerm (Up to)APR (as low as)
2013 – New603.99%
2010 – 2012484.79%

Boat & RV

AgeTerm (Up to)APR (as low as)
2016 – New845.59%
2016 – New120*5.79%
2012 – 2015845.99%

* If the (2016 – new) boat/RV meets the IRS requirements of a second home, the term can be up to 120 months.

Tractor, Lawn Mower, Utility Trailer (personal use only)

AgeTerm (Up to)APR (as low as)
2015 – New485.99%

Share (savings) Secured Loan

Term (Up to)APR (as low as)
10 Years3.00%

Visa Credit Card

Fixed rate of 9.99% with no annual fees.
Transfer your higher interest cards to our card and save money

Overdraft or Line-of-Credit Loan

APY (as low as) 13.00%

5-5-3 Quick Cash Loan

Amount (Up to)Term (Up to)APR (as low as)
$ 5,0003 Years5.00%

Personal Loan

Amount (Up to)Term (Up to)APR (as low as)
$ 15,0005 Years10.00%

Debt Consolidation Loan

Amount (Up to)Term (Up to)APR (as low as)
$ 15,0005 Years12.00%
ALL BILLS BEING PAID OFF BY THIS LOAN, MUST BE CLOSED AND PAID BY THE CREDIT UNION

HELOC Loans

  • No Closing costs, unless paid off in 3 or less years
  • Maximum draw period is 10 years
  • Fixed Rate Home Equity Loan (5.25%)
  • Variable Rate HELOC Current rate 5.50%  
  • Maximum annual percentage rate that may be imposed is 18% APR
  • Rate on the HELOC will adjust on the first day of each quarter base on the prime rate o the 15th day of the last month of the previous quarter
  • Consult a tax adviser regarding the deductibility of interest

All rates are subject to change without notice.
Actual secured loan rates are based on age of the car, boat, etc., the term of the loan and your credit history.
All listed rates are good as of 08/03/2019