WAYCOSE Federal Credit Union







Share/Savings Accounts
 
Club Accounts

CHRISTMAS CLUB ACCOUNTS.50 Div. Rate.50 APY *
    Dividends paid annually at disbursement.
VACATION CLUB ACCOUNTS.50 Div. Rate.50 APY *
    Dividends paid quarterly.
 
Share Accounts

SHARE SAVINGS ACCOUNTS.50 Div. Rate.50 APY *
    Dividends paid quarterly.
SUMMER PAY ACCOUNTS.50 Div. Rate.50 APY *
    Dividends paid quarterly.
SPECIAL SHARE SAVINGS ACCOUNTS.50 Div. Rate.50 APY *
    Dividends paid quarterly.
 
Share Certificate Accounts

SHARE CERTIFICATES1.25 Div. Rate1.25 APY *
    $1000 Minimum $0 Maximum 6 month term - simple interest paid at maturity.
SHARE CERTIFICATES1.25 Div. Rate1.25 APY *
    $1000 Minimum $0 Maximum 1 year term - simple interest paid at maturity.
SHARE CERTIFICATES1.50 Div. Rate1.50 APY *
    $1000 Minimum $0 Maximum 2 year term - simple interest paid at maturity.
Loan Accounts
 
Unsecured Loans (Signature)

Technology Loans10.5% APRUp to 36 months
  $0 Minimum $2500 Maximum
Debt Consolidation10.5% APRUp to 36 months
  $0 Minimum $5000 Maximum Must improve financial position
Personal10.5% APRUp to 36 months
  See Account Information for details.
 
Share-Secured Loans

Share or CD Secured+3 APR36 months
  $0 Minimum $0 Maximum Rate will be dividend rate on share plus 3%.
 
Vehicle Loans

Refinance-NEW5.25% APRUp to 48 months
  $0 Minimum $40000 Maximum See Account Information page for qualification
Refinance - NEW6.00% APR60 months
  $0 Minimum $40000 Maximum See Account Information page for qualification
Refinance - NEW6.75% APR72 months
  $0 Minimum $40000 Maximum See Account Information page for qualification
Used6.00% APR60 months
  $0 Minimum $25000 Maximum Vehicle less than 3 years old
Used6.50% APR48 months
  $0 Minimum $25000 Maximum Vehicle 3 to 7 years old
New5.25% APRUp to 48 mths
  $0 Minimum $40000 Maximum
New6.00% APR60 mths
  $0 Minimum $40000 Maximum
New6.75% APR72 mths
  $0 Minimum $40000 Maximum
Fees & Disclosures
 
Deposit Account Fees

Deposit checks (or other items) returned unpaid$15.00
Stop Payment$15.00
Non-sufficient funds items (each)$15.00
Automatic transfer from Share Savings Account for Overdraft Protection$ 1.00

 

   WAYCOSE Federal Credit Union


1012 Thornburg St. 
Huntington, WV 25701  USA
Phone: 304-429-1213  Fax: 304-429-5998
© 2009

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