Wyochem Federal Credit Union

RATES

Investment Rates:	Savings, IRA, and Share Certificates
Loan Rates:	Line of Credit, Collateral, Pledge Shares, etc.

Calculate Auto Loan Payment

Current Wyochem Savings, IRA, and Certificate Rates Wyochem's rates are subject to change without prior notice. Call any office for current rates Rates effictive 3-21-12
Savings type	APR	APY
Regular Shares Interest posts quarterly	0.40%	0.40%
Secondary Shares Interest posts quarterly	0.40%	0.40%
Christmas Club Interest posts Oct 31st	1.00%	1.00%
Certificates *early withdrawal penalties, $500 minimum, interest posts quarterly
3 Month Certificate (90 days)	.27%	.270%
6 Month Certificate (182 days)	.37%	.371%
12 Month Certificate (365 days)	.50%	.501%
18 Month Certificate (545 Days)( $500.00 Minimum)	.55%	.551%
24 Month Special Certificate ( 730 days ) ( $5000.00 Minimun)	.75%	.752%
IRA Deposits *interest posts quarterly, certificates require $1000 minimum deposit
IRA/Roth/Educational	.80%	.80%
12 Month Certificate	.75%	.752%
24 Month Certificate	N/A	N/A
36 Month Certificate	N/A	N/A
Youth Certificates available in 3 - 12 month terms only with $250 minimum required. Rates same as stated above.

Current Interest Rates on Wyochem Loans Wyochem's rates are subject to change without prior notice. Click here if you would like to calculate the payment amount on a proposed auto loan. Payments calculated are only estimates and may not reflect actual payment. *Financing taxes adds .25%
Loan Description	APR Ranges
New Collateral*
3 years	5.00% to 15.00%
4 years	5.00% to 15.00%
5 years	5.25% to 15.25%
6 years	5.50% to 15.50%
Used Collateral
2 years	6.50% to 16.50%
3 years	6.50% to 16.50%
4 years	6.75% to 16.75%
5 years	7.00% to 17.00%
6 years	7.25% to 17.50%
Pledged Shares
Shared Secure	2.50%	.006849%
CD Secured	2% Above current CD rates.	variable
Line of Credit
Bronze	17.5% to 18%
Silver	13% to 15.5%
Gold	12.0% to 12.5%
Other Collateral Items
20% Down	n/a% to n/a%
10% Down	8.50% to 15.00%