Loan Rates

We have awesome auto loan rates and offer practically any loan to meet your consumer loan needs; not to mention our low rate credit cards and personal lines of credit.

Effective Date: December 6, 2016

Auto Loans
  APR* Terms
New autos (2017/2016) 2.24% 36 months
2.49% 48 months
2.74% 60 months
  3.24% 72 months
New autos ($30,000 minimum) 4.49% 84 months
Used autos (2015) 4.24% 72 months
Used autos (2014/2013) 3.24% 60 months
Used autos ($25,000 minimum) 4.24% 72 months
Used autos (2012/2011) 2.99% 48 months
Used autos (max mileage 100,000) 3.24% 60 months
Used autos (2010 & older; max mileage 130,000) 4.99% 36 months
5.24% 48 months
Recreational Vehicles
  APR* Terms
New Recreational Vehicle
Under $15,000 5.24% 72 months
$15,000 to $19,999 5.74% 96 months
$20,000 to $49,000 6.24% 144 months
$50,000 and over 7.24% 180 months
Used Recreational Vehicle
Under $15,000 5.74% 72 months
$15,000 to $19,999 6.24% 96 months
$20,000 to $49,999 6.74% 144 months
$50,000 and over 7.74% 180 months
New Motorcycles, ATVs, Personal Watercraft
Under $20,000 5.24% 60 months
$20,000 and over 6.00% 72 months
Used Motorcycles, ATVs, Personal Watercraft
Under $20,000 5.74% 60 months
$20,000 and over 6.49% 72 months
New Boat
Under $15,000 5.24% 60 months
$15,000 to $19,999 5.74% 72 months
$20,000 to $49,000 6.24% 96 months
$50,000 and over 7.24% 120 months
Used Boat
Under $15,000 5.74% 60 months
$15,000 to $19,999 6.24% 72 months
$20,000-$49,000 6.74% 96 months
$50,000 and over 7.74% 120 months
New Farm, Lawn & Garden Equipment
  APR* Terms
Under $5,000 7.24%/8.24% 24 months
$5,000-$35,000 7.24%/8.24% 36 months
Unsecured Loans and Open-end Line of Credit
  APR* Terms
$10,000 and over 9.99% 60 months
$7,000 to $9,999 8.99% 48 months
$3,000 to $6,999 7.99% 42 months
Under $3,000 7.99% 24 months
$500 7.99% 12 months
*Request 10,000 & over are reserved for full relationship members with A+ or A credit and must be approved by President or Loan Manager.     
Computer
  APR* Terms
New only up to $3,000 7.24% 24 months
Credit Card
  APR* Terms
VISA Gold Elite 8.50% Revolving
VISA Classic 9.75% Revolving
VISA Gold 12.90% Revolving

*APR = Annual Percentage Rate and each listed is accurate as of its publication date and is subject to change. APR for all loans are based on creditworthiness/credit score and loan terms. Rates listed are the lowest rates currently available for each loan product. Membership with Wiregrass Federal Credit Union is required. Loan products and rates are available for existing members and new members. For additional rate and loan product information, please contact the credit union. Federally insured by NCUA.