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Better Rates for a
Brighter Future

At WFCU, we pass our savings directly on to our members. Whether you’re looking for a low-interest loan to fuel your next adventure or a high-yield certificate to grow your savings, we offer straightforward, honest pricing designed to help you reach your goals faster.

Please Note: To ensure we’re always providing the best value in a shifting market, our rates and terms are subject to change without notice. For up-to-the-minute details or to lock in a rate, please call or stop by and speak with our team.

Personal
as low as
9.99%
APR*
Terms

Rate determined by credit score. Maximum rate is 18%. Flexible loan terms. Call for details and qualifications: 717-898-7673, option 3.
Personal Lines of Credit
as low as
9.74%
APR*
Terms

Rate determined by credit score.  Maximum rate is 18%.  Flexible loan terms.  Call for details and qualifications: 717-898-7673, option 3.

Affordable Alternative
as low as
27.5%
APR*
Terms

Rate determined by payment method. Maximum rate is 28%. Flexible loan terms. Call for details and qualifications: 717-898-7673, option 3.

CD / Share Secured
as low as
2.549%
APR*
Terms

Rate determined by account held as collateral.  Maximum rate is 18%.  Maximum loan terms are based on loan amount.  Call for details and qualifications: 717-898-7673, option 3.

New Auto or Motorcyle
as low as
4.49%
APR*
Terms

Rate determined by credit score. Maximum rate is 18%. Add-ons apply. Maximum loan terms are based on loan amount. Call for details and qualifications: 717-898-7673, option 3.

Used Auto or Motorcycle
as low as
4.49%
APR*
Terms

Rate determined by credit score. Maximum rate is 18%. Add ons do apply. Maximum loan terms are based on loan amount. Call for details and qualifications: 717-898-7673, option 3.
New – Boats, Motor Homes
as low as
14.00%
APR*
Terms

Rate determined by age of vehicle. Maximum rate is 18%. Down payment may be required. Flexible loan terms, based on age of vehicle. Call for details and qualifications: 717-898-7673, option 3.

Used – Boats, Motor Homes
as low as
15.00%
APR*
Terms

Rate determined by age of vehicle. Maximum rate is 18%. Down payment may be required. Flexible loan terms, based on age of vehicle. Call for details and qualifications: 717-898-7673, option 3.

New – Jet Skis, Travel Trailers, Snowmobiles, 4 Wheelers & ATVs
as low as
14.00%
APR*
Terms

Rate determined by age of vehicle. Maximum rate is 18%. Flexible loan terms, based on age of vehicle. Call for details and qualifications: 717-898-7673, option 3.

Used – Jet Skis, Travel Trailers, Snowmobiles, 4 Wheelers & ATVs
as low as
14.00%
APR*
Terms

Rate determined by age of vehicle. Maximum rate is 18%. Flexible loan terms, based on age of vehicle. Call for details and qualifications: 717-898-7673, option 3.

New – Mobile Home
as low as
14.00%
APR*
Terms

Rate determined by age of mobile home. Maximum rate is 18%. Down payment may be required. Flexible loan terms, based on age of motor home. Call for details and qualifications: 717-898-7673, option 3.

Used – Mobile Home
(up to 5 years old)
as low as
15.00%
APR*
Terms

Rate determined by age of mobile home. Maximum rate is 18%. Down payment may be required. Flexible loan terms, based on age of motor home. Call for details and qualifications: 717-898-7673, option 3.

First Mortgage or Home Equity – 1st Lien
as low as
5.49%
APR*
Terms

Rate determined by credit score. Maximum rate is 18%. Fees may apply. Flexible loan terms. Call for details, qualifications and to schedule an appointment: 717-898-7673, option 3.
Second Mortgage or Home Equity – 2nd Lien
as low as
5.74%
APR*
Terms

Rate determined by credit score. Maximum rate is 18%. Fees may apply. Flexible loan terms. Call for details, qualifications and to schedule an appointment: 717-898-7673, option 3.
Home Equity Line of Credit
as low as
6.24%
APR*
Terms

Competitive rates. Call for details, qualifications and to schedule an appointment: 717-898-7673, option 3.

*APRs current as of 10/04/2024. Applications subject to credit approval. Collateral must meet minimum underwriting standards. Terms and conditions subject to change and without prior notice. Contact us for details 717-898-7673, #3.

For current Mortgage rates, please call (717) 898-7673.

Regular Savings
0.05%
APY*
Terms

Minimum $5.00 deposit to open and earn APY.
Personal Choice Savings
0.05%
APY*
Terms

$0.00 to open and $0.01 to earn APY.
Club Grand Savings
up to
0.20%
APY*
Terms

$0 – 4,999.99 = 0.15% APY
$5,000  = 0.20% APY
Vacation Club Savings
0.10%
APY*
Terms

Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On April 1st of each year, we will automatically transfer balance to your regular savings account. Early withdrawal may incur penalty or other restrictions
Holiday Club Savings
0.10%
APY*
Terms

Only $0.00 to open and $0.01 to earn APY. Make deposits anytime. On October 1st of each year, we will automatically transfer balance to your regular savings account. Early withdrawal may incur penalty or other restriction.
Sharky Savers Kids & Fast Track Clubs
0.10%
APY*
Terms

$0.00 to open and $0.01 to earn APY.
The Wheatland Fund Checking Account
up to
0.50%
APY*
Terms

$0 – 4,999.99 = 0% APY
$5,000 – 9,999.99 = 0.20% APY
$10,000 – 249,999.99 = 0.25% APY
$250,000+ = 0.5% APY
APY based on daily balance. A $10.00 monthly fee will be charged if balance falls below $5000.00 during any month

 

 
Accumulation IRA
0.25%
APY*
Terms

Minimum $0.00 to open and $0.01 to earn APY. Consult a tax advisor for tax implications for early withdrawal.

*Annual Percentage Yields (APY) current as of 04/27/2023. Account terms and conditions subject to change without prior notice. Fees may reduce earnings. Contact for details 717-898-7673.

6 Month Certificate
3.85%
APY*
Terms

$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 6 Month Certificate
3.90%
APY*
Terms

$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
12 Month Certificate
3.25%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 12 Month Certificate
3.50%
APY*
Terms

$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
18 Month Certificate
1.60%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 18 Month Certificate
1.65%
APY*
Terms

$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
24 Month Certificate
1.70%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 24 Month Certificate
1.75%
APY*
Terms

$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
36 Month Certificate
1.80%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Jumbo 36 Month Certificate
1.85%
APY*
Terms

$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.

*Annual Percentage Yields (APY) effective 03/27/2025. Fees may reduce earnings. Terms and conditions subject to change without prior notice. Contact us for details 717-898-7673.

To calculate your insured funds at a federally insured credit union, use My Credit Union’s share insurance estimator.

Accumulation IRA
0.25%
APY*
Terms

$0.00 to open and $0.01 to earn APY.
6 Month IRA Certificate
3.85%
APY*
Terms

$500 minimum deposit to open and earn APY. Penalty for early withdrawal.
12 Month IRA Certificate
3.25%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
18 Month IRA Certificate
1.60%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
24 Month IRA Certificate
1.70%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
36 Month IRA Certificate
1.80%
APY*
Terms

$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal

*Annual Percentage Yields (APY) current as of 03/27/2025. Fees may reduce earnings. Consult a tax advisor for tax implications of an early withdrawal. Account terms and conditions subject to change without notice. Contact us for details 717-898-7673.

To calculate your insured funds at a federally insured credit union, use My Credit Union’s share insurance estimator.

Loan Calculator

The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.

Your Monthly Loan Payment $0,000.00
Loan Amortization Schedule
Period Payment Interest Principal Principal Balance
        $0,000.00

Loan Calculator

The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.

Your Loan Amount $0,000.00
Loan Amortization Schedule
Period Payment Interest Principal Principal Balance
        $0,000.00
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