Rates

Vehicle

Percent of FinancingAPR*
as low as
Term(s)
New Auto Loans
Model year: 2023 & newer with less than 7,000 miles
Up to 100% financing available5.99%up to 60 months
Up to 100% financing available6.99%61-75 months
Up to 100% financing available7.25%76-84 months
Used Auto Loans
Model years: 2019 & newer
Up to 100% financing available6.35%up to 36 months
Up to 100% financing available6.35%37-48 months
Up to 100% financing available6.35%49-60 months
Up to 100% financing available6.99%61-75 months
Used Auto Loans
Model years: 2018 & older
Up to 100% financing available7.00%up to 36 months
Up to 100% financing available7.50%37-48 months
Up to 100% financing available8.00%49-60 months
Up to 100% financing available8.50%61-75 months

Home/Mortgage

APR*
as low as
Term(s)
Home Equity
Loans up to 85% LTV available with fixed rates or 5/1 ARM programs.
6.45%60-180 months
Mini Home Equity
Loans up to 100% LTV with fixed rate. $25,000 Max Loan Amount.
7.25%Up to 60 months
Home Equity Line of Credit
Loans up to 80% LTV available.
Rate is variable month to month depending on the Prime Rate.
7.75%*10 year draw &
10 year
repayment
First Mortgage Loans
Loans up to 97% available, with as little as 3% down for purchases.
Various programs available at highly competitive rates.
To become pre-qualified or apply now complete our Mortgage Worksheet
Mortgage Rates

Personal/Credit Card

APR*
as low as
Term(s)
Consolidation Loan
Up to $5,000 available.
7.99%48 months
Personal Loans
Amount of personal loans are dependent on credit rating.
Loans for $2,000 up to $16,000 available
7.99%12-60 months
Fresh Start Loans - We are here to help!
Get a chance to start fresh and build good credit.
Loans up to $2,000 available
17.99%12-36 months
Share Secured Loans
Amount of loan depends directly on available funds on
deposit with the Credit Union.
Interest rate can vary depending on the corresponding rate
earned on deposit.
4.99%12-84 months
VISA Credit Card
A fixed rate credit card line available from $500 up to $10,000.
The rate and line amount are dependent on credit rating.
Ask about our balance transfer options! NO ANNUAL FEE
Credit Card Rates

Revolving line
Overdraft Lines of Credit
This loan compliments your Western Connecticut FCU Checking Account.
Lines up to $3,000 available.
7.75%Revolving line
*APR = Annual Percentage Rate. Rates are effective 1/1/24. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details. Application fees are associated with Home Equity and First Mortgage Loans, please contact the credit union for details and more information. The loan department can be reached by calling 203-791-9399, Option 4.

Savings Account

Minimum
Balance
Cap Balance (NEW)Below / Above Cap APY (NEW)Below / Above Cap Interest Rate (NEW)Interest Earned
on Deposit of
Dividend
Rate
APY
Basic Savings$25.00$500.000.050.050%
Premium Savings$25.00$500.000.050.050%
Kasasa Saver – ask for full details, qualifications required!$50,000.005.00 / 1.00%4.88895 / 0.99545%APY range (NEW) 5.00 - 2.33%
Basic Checking
Premium Checking$10.00$500.000.050.050%
Kasasa Cash Checking – ask for full details, qualifications required!$25,000.005.00 / 0.25%4.88895 / 0.24971%APY range (NEW) 5.00 - 1.20%
Minor/Youth Savings$10.00$10.000.250.250%
Money Market$1,000.00$1,000-$24,9990.150.150%
Money Market$1,000$25,000-$49,9990.200.200%
Money Market$1,000$50,000 & up0.300.300%
Holiday Club$10.00$500.000.200.200%
Vacation Club$10.00$500.000.200.200%
IRA Share/Health Savings$10.00$500.000.350.350%
Growth Share
Increase $500 or more, exclusive of dividends, each month and earn 0.07% APY* during the next month. Earn 0.05% APY* as a minimum rate if the increase is not made that month. The account becomes a basic share account if the increase is not made for two consecutive months.
$500.00$500.00 & up0.070.070%
Rates are subject to change without notice. Rates effective 1/1/24. 

Certificates

Regular term and IRA Certificates – Minimum Deposit $2,500.00
TermDividend RateAPY*
6 months1.001.00%
12 months2.752.78%
Save to Win! Qualifying Certificate Account – 12 months. Ask for details – You may win a $25 monthly cash prize!1.551.56%
18 months3.003.05%
24 months3.253.30%
36 months3.253.30%
48 months3.553.61%
60 months3.853.92%
Rates are subject to change without notice. Rates are effective 1/1/24. APY = Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends are compounded monthly and are credited on a monthly basis. The balance used to pay dividends is the average daily balance per calendar month.

Credit Cards

Our Credit Card program gives you the purchasing power of the VISA® logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials. Apply Now using our online application system. UChoose Rewards is a valuable points-earning benefit for Western CT Visa® Check Card and Credit cardholders. Click here to learn more. Click here to report a lost or stolen card. IMPORTANT DISCLOSURE INFORMATION

Balance Transfer Special
Rate as Low as 5.99% APR* valid through 12/31/23


Transfer your high interest credit card balances to Western CT and consolidate your debt into one easy payment with an interest rate as low as 0.99% APR*! At Western CT, we give our members the purchasing power with no annual fee, low interest rates, and exceptional service!



APR=Annual Percentage Rate. The Introductory 5.99% APR on balance transfers is good for 12 months from date of balance transfer transaction. This offer is based on credit approval and the actual APR may vary between 0.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 12/31/2023. Please ask Credit Union for full details.


Annual Percentage Rate
for Purchases:
7.99% up to 17.00%
When you open your account based on creditworthiness
Annual Percentage Rate
for Balance Transfers:
5.99% up to 9.99% Ask about our Special Offer!
The interest rate for this special offer is based on creditworthiness. The interest rate granted for the balance transfer special is valid for the life of the balance.
Annual Percentage Rate
for all regular Cash Advances:
17.99%
How To Avoid Paying Interest on Payments RatesYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips From The Federal Reserve Board RatesTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at: www.federalreserve.gov/creditcard
Set-Up And Maintenance FeesAnnual Fees: NONE

Lost Card Replacement: $10.00

Copy of Statement/Draft: $10.00

Rush Card order: $20.00

Unauthorized Use/Card Pickup: $50.00

Cash Advance: $5.00
Transaction FeesNone
Penalty FeesLate Payment: up to $25.00

Return Check Fee: $25.00

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases). See your account agreement for more details. The information about the costs of the card described in the application is accurate as of 1/1/2024. This information may have changed after the date. To find out what may have changed, call 203-791.9399. Or you may write to: Western Connecticut Federal Credit Union, VISA® Department, 2 Stony Hill Rd Ste 100, Bethel, CT 06801.