Rates









Risk-Based | Loans | Savings

Risk Based Lending Rates
Effective July 1, 2007

 


Regular Personal Maximum Amount $15,000.00

Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 24 months 7.50  8.50  9.75  10.75 11.75 
Term 25 - 48 months 7.75  8.75  10.00  11.00 12.00
Term 49 - 72 months 8.00  9.00  10.25  11.25  12.25


**New Car Maximum Amount $40,000.00

Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 36 months 4.75  5.75  7.00  8.00  9.00
Term 37 - 48 months 5.00  6.00 7.25  8.25  9.25 
Term 49 - 72 months 5.50  6.50  7.75  8.75  9.75 


Co-Signer(Non-Spouse) Maximum Amount $25,000.00

Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 72 months 8.50  9.50  10.75 11.75  12.75 

Co-Signer( With Spouse) Maximum Amount $25,000.00
Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 72 months 9.50  10.50  11.75 12.75  13.75 

***Used Car (up to 3 years old) Maximum Amount $ 25,000.00
Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 60 months 7.25  8.25  9.50  10.50  11.50 


***Used Cars (up to 5 years old) Maximum Amount $15,000.00

Empirica Score Tier 1
APR*
Tier 2
APR*
Tier 3
APR*
Tier 4
APR*
Tier 5
APR*
Term 0 - 48 months 7.75  8.75  10.00  11.00  12.00 

 

*APR = Annual Percentage Rate

**100% of selling price of the car. Including tax, registration, and preparation fees.

***100% of the NADA book value of the car. Including tax, registration, and preparation fees.

The Wallingford Municipal Federal Credit Union shall be the holder of title for all automobile loans.
The Wallingford Municipal Federal Credit Union Shall be listed as lost payee on the vehicle insurance policy.

ALL LOANS FALLING INTO TIER 5 ARE SUBJECT TO THE APPROVAL OF THE CREDIT COMMITTEE.

Single premium disability insurance is available on all loans.
The maximum monthly benefit is $600.00.

APPROVED BY THE BOARD OF DIRECTORS AT THEIR MEETING OF JUNE 22, 2006

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Lending Rates
Effective July 1, 2007
Loans Maximum Amount Rate APR* Term  
Share Secured $ 150,000.00 4.50 0.000 72 Calculator
Share Secured $ 150,000.00 4.75 0.000 84 Calculator
Share Secured $ 150,000.00 5.00 0.000 96 Calculator
*APR = Annual Percentage Rate

Single premium disability insurance is available on all loans.
The maximum monthly benefit is $600.00.

APPROVED BY THE BOARD OF DIRECTORS AT THEIR MEETING OF JUNE 22, 2006
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Rate Changes monthly based on available dividend.  

Current rate effective for month ending November 30, 2008

Dividend Bearing Accounts Minimum Balance

Maximum Balance

Dividend Rate

APY*
Regular Shares & Other Share Accounts $ 5.00

 $999,999.99 

.25

0.000
Traditional IRA's & Roth IRA's $ 5.00

 $999,999.99 

.25

0.000
Checking $ 5.00

$999,999.99

0.00

0.000
*APY = Annual Percentage Yield
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