Current Loan Rates

Willow Island FCU offers many types of loans, Check out our rates below.

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Rates Effective 06-18-14


*** All loans are considered on an individual basis.
Rates may vary based upon individual credit worthiness. ***
Rates shown are the best rates available.

LOAN TYPE
TERM
**APR
Speciality Equipment Loans
Under $5,000.00
12 Months
4.50%
24 Months
4.75 %
36 Months
5.00%
Between $5,000.00 and $10,000.00
12 Months
4.50%
24 Months
4.75%
36 Months
5.00%
48 Months
5.25%
Over $10,000.00
12 Months
4.50%
24 Months
4.75%
36 Months
5.00%
48 Months
5.25%
60 Months
6.00%
Signature Loans
 
12-24-36 Months
8.00%
48 Months
9.00%
60 Months
10.00%
Regular Share Secured Loans
3.00% Above Dividend Earned on Regular Share Account. Floor of.
60 Months
3.25%

Share Certificate Secured Loans

3.00% Above The Highest Share Certificate Rate Used To Secure The Loan. Floor of.
60 Months
3.95%
New Cars & Trucks
Current Year & Previous Year With Less Than 20,000 Miles
12 Months
24 Months
36 Months
2.25%
48 Months
3.25%
60 Months
3.75%
72 Months
4.75%
Used Cars & Trucks
2012 & 2011 Year Models
12 Months
3.75%
24 Months
3.75%
36 Months
3.75%
48 Months
3.75%
60 Months
3.75%
72 Months
4.75%
2010 & 2009Year Models
12 Months
3.75%
24 Months
3.75%
36 Months
3.75%
48 Months
3.75%
60 Months
3.75%
2008, 2007 & 2006 Year Models
12 Months
6.00%
24 Months
6.25%
36 Months
6.50%
48 Months
6.75%
2005 & Older Year Models
12 Months
7.00%
24 Months
7.25%
36 Months
7.50%
Antique Cars
20 Years or Older
Up to 48 months
9.50%
New Boats, Campers, Travel Trailers, Motor Homes
 
12 Months
4.50%
24 Months
4.75%
36 Months
5.00%
48 Months
5.25%
60 Months
6.00%
Used Boats
 
12 Months
4.50%
24 Months
4.75%
36 months
5.00%
48 Months
5.25%
60 Months
6.00%
New Motorcycles & ATV's
Under $7,500.00
12 Months
4.50%
24 Months
4.75%
36 Months
5.00%
48 Months
5.25%

Over $7,500.00

12 Months
4.50%
24 Months
4.75%
36 Months
5.00%
48 Months
5.25%
60 Months
6.00%
Used Motorcycles & ATV's
 
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
Used Motorcycles & ATV's
* Written motorcycles or ATV Dealers Appraisals Required.
Home Improvement
 
12 Months
5.50%
24 Months
6.50%
36 Months
7.50%
48 Months
8.50%
60 Months
9.50%
* Must have estimates from contractor/checks made out to contractor.
New Computer & New Satellite Dish
 
12 Months
9.50%
24 Months
9.75%
36 Months
10.00%
Christmas Loans
$1500.00 12 Months 10.00%
Available ONLY From 10-1 thru 1-31 Each Year.
One Time Amount Of Up To $1500.00
Funeral Loans
Maximum amount of $5,000.00
12 Months
10.25%
24 Months
10.50%
36 Months
10.75%
48 Months
11.00%
Copy of Bill from Funeral Home and Death Certificate Required.
Income Tax Loans
 
12 Months
14.00%
Loans Will Only Be For The Amount Of Taxes Owed
Copies Of The Signed Taxes Form Must Be Submitted With The Loan Application.

**APR is the Annual Percentage Rate.

Members: Effectively immediately, New loan fees: $7.00 charge for credit report, due at time of application(non-refundable), and a $20.00 processing fee (only if approved). This $20.00 fee can be added on to your loan. Thank you.


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