Rates

Effective February 1, 2019        Apply Today

Vehicle, Motorcycle & RV Loans
Loan Type Terms APR as low as*
New & Used Autos (2009-2019) 36 to 84 Months 2.99% - 16.24%

Example: 48 monthly payments of $22.14 for every $1,000 borrowed at 2.99%
Used Autos (2008 and older) 36 to 72 Months 3.99% - 16.49%

Example: 48 monthly payments of $22.58 for every $1,000 borrowed at 3.99% 
Motorcycles (2009 and newer) 36 to 84 Months 3.49% - 15.99%

Example: 48 monthly payments of $22.36 for every $1,000 borrowed at 3.49%
Recreational Vehicles & Boats
(2004 and newer)		 60 to 180 Months 3.79%² 4.29% - 16.29%

Example: 60 monthly payments of $18.78 for every $1,000 borrowed at 4.79%
2RV & Boat Loan Special: existing Waterfront RV and Boat loans do not apply. Rate of 3.79% is based on member having an active Waterfront checking account and eStatements (each worth 0.25% off qualified loan rate), and for those RVs and Boats year 2004 or newer. Member must also have a FICO credit score of 730 or greater and with loan terms up to 60 months. Full coverage insurance is required. Membership with Waterfront Credit Union is required. Special valid from February 1, 2019 through March 16, 2019. Other restrictions may apply. Contact the Credit Union for full details.
Home Loans
Loan Type Terms APR as low as*
Mortgage Loans Click here for today's rates & to apply
Home Equity Line of Credit (HELOC)** Up to 15 Years Variable as low as 5.50%
**Financing available on homes in Washington and Oregon State. Maximum loan amount is determined by the amount of equity in your home. Home Equity Line of Credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. For Home Equity Lines of Credit, in no event will the regular Annual Percentage Rate be less than 3.25% or more than the lesser of 18% per annum of the maximum rate allowed by applicable law. No fees, no closing costs except appraisal if needed. Homeowners insurance is required. Borrow up to 80% of appraised value for owner occupied homes and 70% for non-owner occupied homes. Taxes and insurance will be paid by homeowner.
Personal Loans
Loan Type Terms APR as low as*
Share or CD Secured   Add 3.00% to dividend/interest rate
Line of Credit (Up to $25,000 limit) Revolving 8.74% - 17.74%
Signature Loan (Up to 25,000 limit) Up to 60 Months 7.49% - 16.49%
Credit Builder Up to 12 months 18.00%
Union Dues Loan**   18.00%**
Credit Card Balance Transfer Special Valid Until 4/15/19 2.99%¹
VISA Credit Card (Up to $25,000 limit) - Purchases & Cash Advances Revolving 9.90%

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*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio and employment. Verification of income may be required. Must be 18 years of age or older to qualify for a loan. Must be a Waterfront Credit Union member to participate. Must be eligible for Membership at Waterfront Credit Union. A minimum balance in savings of $5.00 is required. These rates include discounts of 0.25% for active checking account and 0.25% for receiving e-statements. Contact the Credit Union for further details and disclosures pertaining to each type of loan product. Contact the Credit Union for full details.

** Must be a current Waterfront member in good standing for a minimum of 90 days. A phone confirmation is required with the union office collecting dues to verify the amount required to continue to work. Any current Union Dues Loan must be paid in full before any additional Union Dues Loan may be granted. If member qualifies for a different Waterfront loan product that could be utilized for similar purposes and at a better rate, the Credit Union will look to honor that rate. Annual Percentage Rate (APR) of Union Dues Loan is 18.00% APR with a typical term of twelve (12) months starting from the time the Union Dues Loan is funded. Approximate monthly loan payment for $1,000 borrowed at advertised interest rate would be $91.61/month. A $25.00 application fee will be assessed at the time of loan origination. Late payment fees apply. No other offers apply. Contact the Credit Union for full details.

¹Contact the Credit Union for full details. Rate remains at 2.99% APR on transferred balances until April 2020. Balance Transfer Special cannot be used to pay off another Waterfront loan or Waterfront VISA Credit Card.

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Effective February 1, 2018

Share & Checking Accounts
  Minimum Dividend Rate APY as high as*
Regular Share Account $5.00 0.05% 0.05%
Visa Pledge Account $5.00 0.01% 0.01%
Share Draft Account $500.00 0.02% 0.02%
IRA Shares $50.00 0.05% 0.05%
Set-it & Forget-it Savings Account $5.00 0.10% 0.10%
Share Certificates
  Min Bal Dividend Rate APY as high as*1
30 Day $500 0.05% 0.05%
90 Day $500 0.05% 0.05%
180 Day $500 0.08% 0.08%
1 Year $500 0.10% 0.10%
2 Year $500 0.20% 0.20%
3 Year $500 0.30% 0.30%
5 Year $500 0.50% 0.50%
IRA Share Certificates
  Min Bal Dividend Rate APY as high as*1
1 Year $500 0.10% 0.10%
2 Year $500 0.20% 0.20%
3 Year $500 0.30% 0.30%
5 Year $500 0.50% 0.50%

*APY = Annual Percentage Yield. All rates and yields are subject to change without notice. Fees charged could reduce the earnings on the account. Some restrictions may apply. Contact the Credit Union for further details and disclosures pertaining to each type of deposit/share product.

1 Share Certificates earn and are paid dividends on a monthly basis. A penalty may be imposed for early withdrawal. The annual percentage yield is based on the assumption that the dividends will remain in the account until maturity. A withdrawal will reduce earnings.

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