This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Go to main content
West Virginia FCU
West Virginia FCU

Loan Rates

New Auto & Harley Davidson 2016 - 2013

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
Term% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
38 Months Up to 100% 1.99% 2.08%
50 Months Up to 100% 2.49% 2.56%
62 Months Up to 100% 2.99% 3.05%
66 Months Up to 100% 3.24% 3.29%
75 Months Up to 100% 3.49% 3.54%
84 Months Up to 100% 3.74% 3.79%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle.  APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.  Collateral Insurance Required.

Used Auto & Harley Davidson 2012 & Newer

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
Term% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
38 Months Up to 100% 1.99% 2.08%
50 Months Up to 100% 2.49% 2.56%
62 Months Up to 100% 2.99% 3.05%
66 Months Up to 100% 3.24% 3.29%
75 Months Up to 100% 3.49% 3.54%
84 Months Up to 100% 3.74% 3.79%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle.  APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.

New Recreational Vehicle - Boats - UTVs

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
TierTerm% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
$0-100,000.00 48 Month Up to 100% 3.49% 3.56%
$0-1000,000.00 60 Months Up to 100% 3.99% 4.05%
$0-100,000.00 72 Months Up to 100% 4.74% 4.80%
$30,000.00 to $100,000.00 excluding UTV 84 Months Up to 100% 4.99% 5.04%
$30,000.00 to $100,000.00 excluding UTV 120 Months Up to 100% 5.24% 5.28%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle.  APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.

Used Recreational Vehicle - Boats - UTVs

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
TierTerm% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
$0-$100,000.00 36 Months Up to 100% 4.24% 4.33%
$0-$100,000.00 48 Months Up to 100% 4.49% 4.56%
$30,000.00 to $100,000.00 60 Months Up to 100% 4.99% 5.04%
$30,000.00 to $100,000.00 72 Months Up to 100% 5.24% 5.28%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle.  APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.

New Motorcycle, Personal Watercraft & 4 Wheelers

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
Term% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
Max Term 60 Months Up to 100% 5.99% 6.05%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle.  APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.

Used Motorcycle, Personal Watercraft & 4 Wheelers

Effective Date: Thursday, April 27th, 2017
All Rates are for Personal Accounts Only.
Additional Rate Discounts Available With A Preferred Relationship.
Term% FinancedInterest Rate (As Low As)APR*(Annual Percentage Rate)
Max Term 48 Months Up to 100% 6.99% 7.07%
*APR=Annual Percentage Rate. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted apply to vehicles 2009 or newer. APR and term are based on your credit rating and vehicle. APR is based on a loan amount of $20,000 and includes a $25.00 processing fee.
LSI: Lender Single Interest Insurance: As a condition of receiving an automobile advance/loan, you must obtain single-interest automobile coverage. You may obtain the single-interest auto insurance from anyone you want that is acceptable to the credit union. If you get the insurance from the credit union, you will pay $21.00. This rate is subject to change. All subrogation rights are waived by the insurer.

Personal Unsecured

Effective Date: Thursday, April 27th, 2017
TermInterest Rate (As Low As)APR*(Annual Percentage Rate)
36 Months 7.99% 8.35%
48 Months 9.99% 10.27%
*APR=Annual Percentage Rate.
Fee: You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

Share/CD Secured**

Effective Date: Thursday, April 27th, 2017
Daily Periodic RatePresent Variable
2% Above Index Share Rate - 0.05%

APR=Annual Percentage Rate.
** The current ANNUAL PERCENTAGE RATE (APR) will be the current rate being paid on certificates of deposit or share (index) plus 2%. The certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The current APR will be disclosed on the voucher at the time of the advance.  Includes a $25.00 processing fee.

 

 

Personal Service Line

Effective Date: Thursday, April 27th, 2017
FeaturesAPR As Low As*
Maximum $5,000.00 line 7.25%
Minimum Payment: The minimum payment will be 3.50% of the outstanding balance or $35.00, whichever is greater and will be rounded to the nearest whole dollar.
*Variable Rate: the Annual Percentage Rate (APR for new and existing balances will be the Wall Street Journal Prime (Index), rounded to the next higher 0.25%, plus a Margin. We will use the most recent Index value available to us as of the 15th of the month prior to any annual percentage rate adjustment. The APR will change on the first day of each quarter January, April, July, & October to reflect any change in the Index. The APR will never be less than 6.50%. the APR will never be greater than 17.50% or the maximum rate allowed by law, whichever is less. Any increase in the APR will result in more payments of the same amount, until your loan is paid in full. Unless an advance is made at which time we will determine if an increase in your payment will be needed.

Fixed Rate Mortgages

Effective Date: Thursday, April 27th, 2017
TermInterest RateAPR*(Annual Percentage Rate)
5 Year Fixed Rate 1.99% 2.19%
10 Year Fixed Rate 2.99% 3.10%
12 Year Fixed Rate 3.49% 3.59%
15 Year Fixed Rate 3.69% 3.77%

 

All loans are subject to credit application and approval.  Fixed Rate Mortgages are subject to title search, flood certification and property appraisal to support loan value. *APR=Annual Percentage Rate, rate and payment may vary based on term, loan-to-value, credit history. Rates above are for owner occupied properties only. APR's are based on $50,000 loan amount,at 75% Loan -to -Value and includes a $250.00 processing fee.  Fee reflects Preferred Relationship discount. Homeowners insurance is required. Flood Insurance is required on dwellings located in special flood hazard area. Other conditions and restrictions may apply.**The estimated payment information per $1000.00 borrowed represents only the monthly principal and interest portion of your payment. Payments do not include amounts for property taxes and insurance premiums, and your actual monthly payment will be higher.

 

(Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan).

Adjustable Rate Mortages (ARM)

Effective Date: Thursday, April 27th, 2017
Understanding ARM Loans
TermInterest RateAPR*
3/1 ARM 2.49% 2.54%
5/1 ARM 2.49% 2.54%
All loans are subject to credit application and approval. Adjustable Rate Mortgages are subject to title search, flood certification and property appraisal to support loan value. *APR = Annual Percentage Rate, rate and payment may vary based on term, loan-to-value, and credit history. Rates above are for owner occupied properties only. Maximum term 300 months. APR Rates are based on $50,000 loan amount at 75% Loan-to-Value and includes a $250.00 processing fee. Fee reflects Preferred Relationship discount. Homeowners insurance is required.  Flood Insurance is required on dwellings located in special flood hazard area. Other conditions and restrictions may apply. The initial interest rate for the 3/1 ARM is in effect for the first 36 months. The initial interest rate for the 5/1 ARM is in effect for the first 60 months. After the initial interest rate period on the 3/1 and 5/1 ARM expire, the APR is subject to change annually.
 
(Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan).

Fixed Rate Home Equity Loans

Effective Date: Thursday, April 27th, 2017
TermRate as low asAPR*
5 Year Fixed Rate (1st Lien) 1.99% 2.19%
5 Year Fixed Rate (2nd Lien) 2.49% 2.90%
10 Year Fixed Rate (1st Lien) 3.29% 3.40%
10 Year Fixed Rate (2nd Lien) 3.79% 4.00%
12 Year Fixed Rate (1st Lien) 3.49% 3.59%
12 Year Fixed Rate (2nd Lien) 4.49% 4.68%
15 Year Fixed Rate (1st Lien) 3.69% 3.77%
15 Year Fixed Rate (2nd Lien) 5.49% 5.65%

1st Lien -  All loans are subject to credit application and approval. Home Equity Loan (1st & 2nd lien positions) are subject to title search, flood certification and property appraisal to support loan value. *APR=Annual Percentage Rate, rate and payment may vary based on term, loan-to-value, credit history and lien position. Maximum Loan-to-value is based on credit score up to an 89% combined loan balance of all liens. Rates above are for owner occupied properties only. APR's are based on $50,000 loan amount,at 75% Loan -to -Value and includes a $250.00 processing fee. Fee reflects Preferred Relationship discount. Homeowners insurance is required. Flood Insurance is required on dwellings located in special flood hazard area. Other conditions and restrictions may apply.   **The estimated payment information per $1000.00 borrowed represents only the monthly principal and interest portion of your payment. Payments do not include amounts for property taxes and insurance premiums, and your actual monthly payment could be higher. 1st lien position home equity loans are required to escrow property taxes and all insurance premiums.

 

 2nd Lien - All loans are subject to credit application and approval. Home Equity Loan (1st & 2nd lien positions) are subject to title search, flood certification and property appraisal to support loan value. *APR=Annual Percentage Rate, rate and payment may vary based on term, loan-to-value, credit history and lien position. Maximum Loan-to-value is based on credit score up to an 89% combined loan balance of all liens. Rates above are for owner occupied properties only. APR's are based on $25,000 loan amount,at 75% Loan -to -Value and includes a $250.00 processing fee. Fee reflects Preferred Relationship discount. Homeowners insurance is required. Flood Insurance is required on dwellings located in special flood hazard area. Other conditions and restrictions may apply.   **The estimated payment information per $1000.00 borrowed represents only the monthly principal and interest portion of your payment. Payments do not include amounts for property taxes and insurance premiums, and your actual monthly payment could be higher. 1st lien position home equity loans are required to escrow property taxes and all insurance premiums. 
(Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan).

Home Equity Credit Lines

Effective Date: Thursday, April 27th, 2017
Line AmountAPR*
$10,000 - $24,999.99 3.25% - 5.75%
$25,000 - $49,999.99 3.00% - 5.50%
$50,000 & Above 3.00% - 5.25%
*APR =Annual Percentage Rate. Home Equity Lines of Credit Loans are subject to credit and income approval. Maximum loan-to-value (LTV) is based on credit history and appraised value. Maximum LTV is based on credit score up to an 89% combined loan balance of all liens. Home Equity Lines of Credit are secured by your residence that is held as collateral. Interest rate is variable based on predetermined margins added to the prime lending rate which is published in the Wall Street Journal and may vary quarterly. Actual margin is based on the home’s loan to value ratio, lien position, owner occupied status, applicant’s credit history and the amount of the credit line. Your home must be a single-family, owner occupied residence. Manufactured homes do not qualify. Minimum payment $150.00. Hazard insurance is required. Flood insurance where applicable, is required. Borrower responsible for costs to resolve title issues and structural inspection, if necessary. Additional terms and conditions may apply. Please contact the credit union for additional details about credit costs and terms. Please consult your tax advisor regarding the deductibility of interest.

Go to main navigation