Products & Rates

Shares/Savings Account*

Basic Savings         .60 %  Quarterly Dividend Rate       $25.00 minimum balance, dividend paid to open accounts at end of quarter.


Your deposits are always safe.

Federally insured credit unions such as WSFCU offer a safe place for members to save money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at MyCreditUnion.gov.

Loan Accounts*

Rates available to current members only. See who is eligible to join WSFCU.

Unsecured Loans (Signature)

Personal Loan 
$500 - $5,000.00                  6.9%APR     24 months

$5,000.00 - $7,500.00         7.9%APR     24 months       

up to $10,000.00               11.9%APR     36 months 

Auto Loans     Maximum Loan $55,000.00

New Car 
3.25%APR   48 or 60 months 

4.25%APR   72 months

Used Car- 2023 model or newer
5.0%APR    48 months
5.75%APR  60 months

Used Car- 2020 - 2022

5.5%APR    36 months 
6.25%APR  48 months 

Used Car- 2019 model or older

6.0%APR    36 months 


Boat/RV/ATV Loans (includes most titled vehicles)     Maximum Loan $55,000.00

New recreational vehicle 
4.9%APR   60 months

5.9%APR   72 months

Used recreational vehicle- 2023 model or newer

6.25%APR   48 months

7.0%APR     60 months

Used recreational vehicle- 2020 - 2022

6.75%APR   36 months

7.5%APR     48 months

Used recreational vehicle- 2019 model or older

7.25%APR   36 months


*Rates are subject to change at any time. All loans are subject to approval. Apply by email or mail using our Loan Application Form found below. Please include a copy of a recent payroll/income verification for faster turnaround.

Loan Application

Fees & Disclosures

Deposit Account Fees:  Basic Savings--None

Failure to update address/returned statement fee: $5.00

Loan Account Fees: No processing or application fees. Payments received 14 days or more after due date will be charged a late fee of 5% of the monthly payment amount.