Rates

Effective June 12, 2017         Apply Today

Vehicle, Motorcycle & RV Loans
Loan Type Terms APR as low as*
New & Used Autos (2007-2017) 36 to 84 Months 1.99% - 15.74%

Example: 48 monthly payments of $21.70 for every $1,000 borrowed at 1.99%

Used Autos (2006 and older) 36 to 72 Months 2.99% - 15.99%

Example: 48 monthly payments of $22.13 for every $1,000 borrowed at 2.99% 

Motorcycles 36 to 84 Months 2.24% 2.99% - 15.99%

Example: 48 monthly payments of $22.13 for every $1,000 borrowed at 2.99%

Recreational Vehicles & Boats 60 to 120 Months¹ 2.74% 3.49% - 15.99%

Example: 60 monthly payments of $18.19 for every $1,000 borrowed at 3.49%

Home Loans
Loan Type Terms APR as low as*
Home Equity Line of Credit (HELOC)** Up to 15 Years Variable as low as 4.00%
**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 7.99% - 16.99%
Signature Loan (Up to 25,000 limit) Up to 60 Months 7.99% - 17.49%
Credit Builder Up to 12 months 18.00%
VISA Credit Card (Up to $25,000 limit) Revolving 9.90%

*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. Regarding the special promotion for Recreational Vehicles, Boats and Motorcycles: Existing Waterfront loans do not apply. Membership with Waterfront Credit Union is required. Offer valid on approved credit and other restrictions may apply. Contact the Credit Union for full details.
** The rate for 15 year term is 4.49% which includes all discounts and a credit score of at least 730. Contact the Credit Union for full details.
¹180 months available; contact the Loan Department for details.

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Effective April 27, 2015

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%
Holiday Club Account $5.00 0.07% 0.07%
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 0.05% 0.05%
1 Year $500 0.05% 0.05%
2 Year $500 0.05% 0.05%
3 Year $500 0.05% 0.05%
IRA Share Certificates
  Min Bal Dividend Rate APY as high as*1
1 Year $500 0.05% 0.05%
2 Year $500 0.05% 0.05%
3 Year $500 0.05% 0.05%
5 Year $500 0.05% 0.05%

*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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