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Account Type Standard Dividend Rate* Standard APY** Dividends Compounded & Credited Dividend Period***
Savings 0.50% 0.50% Quarterly Quarterly
Summer Savings 0.50% 0.50% Quarterly Quarterly
Education Savings 0.50% 0.50% Quarterly Quarterly
Health Savings 0.15% 0.15% Quarterly Quarterly
IRA Savings 0.50% 0.50% Quarterly Quarterly

*Dividend Rate. See Truth-In-Savings. Fees may reduce earnings.
**Annual Percentage Yield (APY). See Truth-In-Savings. Fees may reduce earnings.
***Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.

The current rate, account terms and conditions, and fees applicable to your Savings and Checking Accounts with Whatcom Educational Credit Union (WECU) are a part of your Membership and Account Agreement.

The rates appearing in the above Schedule are accurate and effective for Savings and Checking Accounts as of January 2020. Fees could reduce earnings.

Effective 1/2020 | WECU/Farleigh Wada Witt©

Account Type Standard Dividend Rate* Standard APY** Minimum Opening Balance Minimum Daily Balance Dividend Schedule*** Monthly Fee
Regular Checking 0.00% 0.00% $0 $0 - $0
Check Plus 0.10% 0.10% $0 $1,000 Monthly $5 if minimum balance is < $1,000
Money Market Checking 0.25% 0.25% $2,500 $2,500 Monthly $0
SafeCard Checking 0.00% 0.00% $0 $0 - $4

*Dividend Rate. See Truth-In-Savings. Fees may reduce earnings.
**Annual Percentage Yield (APY). See Truth-In-Savings. Fees may reduce earnings.
***Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.

The current rate, account terms and conditions, and fees applicable to your Checking Accounts with Whatcom Educational Credit Union (WECU) are a part of your Membership and Account Agreement. The rates appearing in the above Schedule are accurate and effective for Checking Accounts as of April 2019. Fees could reduce
earnings.

Effective 04/2019 | WECU/Farleigh Wada Witt©

Certificate Term Period of Investment Dividend Rate* APY** Minimum Opening Balance Early Withdrawal Penalty
6 months 181 days 1.00% 1.00% $500 90 days' dividends
12 months 365 days 1.56% 1.57% $500 180 days' dividends
18 months 546 days 1.66% 1.67% $500 180 days' dividends
24 months 730 days 1.76% 1.77% $500 180 days' dividends
30 months 911 days 1.76% 1.77% $500 180 days' dividends
36 months 1,095 days 1.76% 1.77% $500 180 days' dividends
48 months 1,461 days 1.76% 1.77% $500 360 days' dividends
60 months 1,826 days 1.76% 1.77% $500 360 days' dividends

* Dividend Rate. See Truth-In-Savings. Fees could reduce earnings.
**Annual Percentage Yield. See Truth-In-Savings. Fees could reduce earnings.

The rates appearing in the Schedule above are accurate and effective for certificate accounts as of the Effective Date indicated. WECU may offer other rates on new certificates after the effective date, without notice. Minimum balance to open is $500.  Penalties may be imposed for early withdrawals. If you have any questions or require current rate information on your accounts, please call WECU at 360-676-1168, toll-free 800-525-8703 or TTY 800-833-6388.

Effective 10/2019 | WECU/ Farleigh Wada Witt

Certificate Term Period of Investment Dividend Rate* APY** Minimum Opening Balance Early Withdrawal Penalty
6 months 181 days 1.00% 1.00% $500 90 days' dividends
12 months 365 days 1.56% 1.57% $500 180 days' dividends
18 months 546 days 1.66% 1.67% $500 180 days' dividends
24 months 730 days 1.76% 1.77% $500 180 days' dividends
30 months 911 days 1.76% 1.77% $500 180 days' dividends
36 months 1,095 days 1.76% 1.77% $500 180 days' dividends
48 months 1,461 days 1.76% 1.77% $500 360 days' dividends
60 months 1,826 days 1.76% 1.77% $500 360 days' dividends

* Dividend Rate. See Truth-In-Savings. Fees could reduce earnings.
**Annual Percentage Yield. See Truth-In-Savings. Fees could reduce earnings.

The rates appearing in the Schedule above are accurate and effective for certificate accounts as of the Effective Date indicated. WECU may offer other rates on new certificates after the effective date, without notice. Minimum balance to open is $500.  Penalties may be imposed for early withdrawals. If you have any questions or require current rate information on your accounts, please call WECU at 360-676-1168, toll-free 800-525-8703 or TTY 800-833-6388.

Effective 10/2019 | WECU/ Farleigh Wada Witt

Loan Type Rate Points APR* Example Loan Estimated Monthly Payment
5 Year Fixed Rate 4.000% 0.000% 4.011% $50,000 $920.83
10 Year Fixed Rate 5.000% 0.000% 5.006% $50,000 $530.33
10 Year Balloon/30 Year Amortization 5.000% 0.000% 5.006% $50,000 $268.41
15 Year Fixed Rate 5.500% 0.000% 5.504% $50,000 $408.54
15 Year Balloon/30 Year Amortization 5.500% 0.000% 5.504% $50,000 $283.89
20 Year Fixed Rate 6.500% 0.000% 6.504% $50,000 $372.79
20 Year Balloon/30 Year Amortization 6.500% 0.000% 6.504% $50,000 $316.03

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.
Interest rates, Annual Percentage Rate, and points shown are subject to change without notice.
Rates are owner-occupied, single-family refinance, assuming a maximum Loan-to-Value (LTV) or Combined Loan-to-Value (CLTV) of 80% or less.
Payment examples are principle and interest only and do not include amounts for taxes or insurance premiums. Actual payment may vary based on your specific situation.
Property insurance is required. Other restrictions may apply.
WECU may offer other loan rates and terms in the future.

Effective 11/2019.

Loan Type Rates APR* Repayment Terms
Home Equity Line of Credit (HELOC) 4.750% 4.753% 20 years

HELOC Fine Print

WECU’s Home Equity Lines of Credit (HELOC) are variable rate revolving loans secured by your home. The rate is based on the Wall Street Journal prime rate with a floor of 4.000% APR and a ceiling of 18.00% APR. 10 days prior to the end of each quarter, the rate is reviewed and updated effective at the beginning of the next quarter.

All terms, including fees and the APRs for new transactions may change after account opening in accordance with the agreement and applicable law. We do not charge annual maintenance fees. The line has a 10-year draw period followed by a 10-year repayment period. All loans are subject to approval.

*Annual Percentage Rate (APR) – The annual percentage rate is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. The rates shown are based on a $50,000 loan balance.

Loan Type Rate Range (APR)*
Auto and Trucks 3.74% - 20.24%
Boats 6.74% - 16.24%
RVs 5.19% - 11.29%
Motorcycles 3.89% - 21.24%
Other Secured 7.99% - 18.49%

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.

Subject to credit qualifications we will finance your purchase including tax, license, dealer options, warranty and insurance products. Some limitations may apply.

For a 6 year vehicle loan of $20,000 at 4.99%, your monthly payment would be $322.01.

Loan amounts based on NADA book prices or dealer invoices for new vehicles, or watercraft.

WECU may offer other loan rates and terms in the future.

Full coverage insurance required.

Loan Type Rate Range (APR)* Repayment Terms
Personal Signature 4.99% - 19.99% up to 48 months
Personal Timeline 11.24% - 20.74% Revolving**
Savings Secured Fixed 4.00% up to 36 months
Savings Secured Fixed 5.00% up to 72 months
Savings Secured Fixed 6.00% up to 120 months
Savings Secured Variable 2.00% over savings rate up to 72 months
Certificate Secured 2.00% over certificate rate same as certificate
Other Secured Loans 7.99% - 18.49% up to 60 months

Notice: Repayment periods, conditions and rates are subject to change without notice.

*Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and if applicable, age of collateral.

**Payments for Timelines are based on $3.00 per month for each $100.00 or portion of $100.00 of principal balance. Minimum payment is $50.00, to be determined after each advance.

For a 4 year savings/certificate secured loan of $10,000 at 5.00% your monthly payment would be $230.29.

Loan Type Rate Range Points Range APR* Range Example Loan Estimated Monthly Payment Range
5 Year Fixed Rate 7.25 - 8.25% 0.00 - 2.00% 8.240 - 8.407% $150,000 $2,987.90 - $3,059.44
5 Year Balloon w/ 30 Year Amortization 7.25 - 8.25% 0.00 - 2.00% 7.487 - 8.290% $150,000 $1,023.26 - $1,126.90
10 Year Fixed Rate 7.25 - 8.25% 0.00 - 2.00% 8.288 - 8.836% $150,000 $1,800.16 - $1,879.90
10 Year Balloon w/ 30 Year Amortization 7.25 - 8.25% 0.00 - 2.00% 7.995 - 8.791% $150,000 $1,074.62 - $1,180.05

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, and amount being financed.
Interest rates, Annual Percentage Rate, and points shown are subject to change without notice.
Maximum Loan-to-Value (LTV) 75%.
Payment examples are principle and interest only and do not include amounts for taxes or insurance premiums. Actual payment may vary based on your specific situation.
Loans are for Consumer use only, not for Commercial use (i.e. Agricultural, Logging, or other business).

Other restrictions may apply.
WECU may offer other loan rates and terms in the future.

Effective 11/2019.

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