Today's Best Low Interest Rates

Inspired & Inspired Plus Checking Account

Requirements	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. ¹Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other restrictions, terms and conditions may apply. Membership is required. ²To receive the rate of 3.00% APY, 20 (twenty) purchase transactions using the Wheelhouse Visa® Debit Card(s) associated with the Inspired Checking account per calendar month required. See Product Details
Requirements 20+ Debit Card Purchase Transactions²	Dividend Rate 2.96%	APY* 3.00%
Requirements <$9,999.99 Average Daily Balance	Dividend Rate 0.10%	APY* 0.10%
Requirements $10,000 - $74,999.99 Average Daily Balance	Dividend Rate 1.00%	APY* 1.00%
Requirements $75,000+ Average Daily Balance	Dividend Rate 2.96%	APY* 3.00%

Share Savings

Minimum Balance	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. See Product Details
Minimum Balance $0+	Dividend Rate 0.05%	APY* 0.05%

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Minimum Balance

$0+

Dividend Rate

0.05%

APY*

0.05%

Inspired Share/Savings

Minimum Balance	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. See Product Details
Minimum Balance <$9,999.99	Dividend Rate 0.05%	APY* 0.05%
Minimum Balance $10,000.00+	Dividend Rate 0.10%	APY* 0.10%

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Minimum Balance

<$9,999.99

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance

$10,000.00+

Dividend Rate

0.10%

APY*

0.10%

Aspire Savings - Smart Start Program

Minimum Balance	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. Available to members between the ages of 13 to 25. See Product Details
Minimum Balance $100+	Dividend Rate 0.05%	APY* 0.05%

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

Available to members between the ages of 13 to 25.

See Product Details

Minimum Balance

$100+

Dividend Rate

0.05%

APY*

0.05%

Inspired Money Market

Minimum Balance	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Minimum Balance $500 - $9,999.99	Dividend Rate 0.10%	APY* 0.10%
Minimum Balance $10,000+	Dividend Rate 0.25%	APY* 0.25%

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

Minimum Balance

$500 - $9,999.99

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Money Market

Average Daily Balance	Dividend Rate	APY*
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. See Product Details
Average Daily Balance $1,000.00 - $9,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $10,000 - $24,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $25,000 - $49,999.99	Dividend Rate 0.05%	APY* 0.05%
Average Daily Balance $50,000 - $89,999.99	Dividend Rate 0.10%	APY* 0.10%
Average Daily Balance $90,000 and above	Dividend Rate 0.10%	APY* 0.10%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates are effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates are effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Term Certificates & IRA Certificates

Tier	$500 - $9,999		$10,000 - $89,999		$90,000 - $500,000
Rates are effective as of 11/22/2024 *APY = Annual Percentage Yield. Your Certificate will automatically renew at maturity for the same time period as the original term at the prevailing rate. The rate contracted for Certificates remains in effect for the entire term of the Certificate. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See your account disclosure for full details. Other terms, conditions, services, and restrictions are subject to change without notice. ¹All new money required for the 4-month, 8-month, 11-month and 15-month Certificate promotion with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturing, a promotional 4-month Certificate will roll into a non-promotional 6-month Certificate, a promotional 8-month Certificate will roll into a non-promotional 12-month Certificate, a promotional 11-month Certificate will roll into a non-promotional 12-month Certificate and a promotional 15-month Certificate will roll into a non-promotional 18-month Certificate at the prevailing APY. See Product Details
Tier Terms	$500 - $9,999 Dividend Rate	APY*	$10,000 - $89,999 Dividend Rate	APY*	$90,000 - $500,000 Dividend Rate	APY*
Tier 15 months¹	$500 - $9,999 3.45%	3.50%	$10,000 - $89,999 3.45%	3.50%	$90,000 - $500,000 3.45%	3.50%
Tier 11 months¹	$500 - $9,999 3.80%	3.85%	$10,000 - $89,999 3.80%	3.85%	$90,000 - $500,000 3.80%	3.85%
Tier 8 months¹	$500 - $9,999 4.18%	4.25%	$10,000 - $89,999 4.18%	4.25%	$90,000 - $500,000 4.18%	4.25%
Tier 4 months¹	$500 - $9,999 3.70%	3.75%	$10,000 - $89,999 3.70%	3.75%	$90,000 - $500,000 3.70%	3.75%

Term Certificates & IRA Certificates

Tier	$500 - $9,999		$10,000 - $89,999		$90,000+
Rates effective as of 11/22/2024 *APY = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA. ²3-month term not available on IRA Certificates. See Product Details
Tier Terms	$500 - $9,999 Dividend Rate	APY*	$10,000 - $89,999 Dividend Rate	APY*	$90,000+ Dividend Rate	APY*
Tier 60 months	$500 - $9,999 2.48%	2.50%	$10,000 - $89,999 2.48%	2.50%	$90,000+ 2.48%	2.50%
Tier 36 months	$500 - $9,999 2.48%	2.50%	$10,000 - $89,999 2.48%	2.50%	$90,000+ 2.48%	2.50%
Tier 24 months	$500 - $9,999 2.72%	2.75%	$10,000 - $89,999 2.72%	2.75%	$90,000+ 2.72%	2.75%
Tier 18 months	$500 - $9,999 3.36%	3.40%	$10,000 - $89,999 3.36%	3.40%	$90,000+ 3.36%	3.40%
Tier 12 months	$500 - $9,999 3.70%	3.75%	$10,000 - $89,999 3.70%	3.75%	$90,000+ 3.70%	3.75%
Tier 6 months	$500 - $9,999 4.18%	4.25%	$10,000 - $89,999 4.18%	4.25%	$90,000+ 4.18%	4.25%
Tier 3 months²	$500 - $9,999 1.79%	1.80%	$10,000 - $89,999 1.79%	1.80%	$90,000+ 1.79%	1.80%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates are effective as of 11/22/2024 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings. See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates are effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2021 and newer)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ¹ Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 mos	APR* As low as 5.99%	Estimated Monthly Payment per $1,000 $23.48	Discounted APR¹ As low as 4.99%*	Estimated Discounted Monthly Payment per $1,000 $23.02
Terms Up to 66 mos	APR* As low as 6.24%	Estimated Monthly Payment per $1,000 $17.94	Discounted APR¹ As low as 5.24%*	Estimated Discounted Monthly Payment per $1,000 $17.47
Terms 67 - 75 mos	APR* As low as 6.74%	Estimated Monthly Payment per $1,000 $16.38	Discounted APR¹ As low as 5.99%*	Estimated Discounted Monthly Payment per $1,000 $16.02
Terms 76 - 84 mos	APR* As low as 7.49%	Estimated Monthly Payment per $1,000 $15.33	Discounted APR¹ As low as 6.74*%	Estimated Discounted Monthly Payment per $1,000 $14.97

Auto Loans (2017 - 2020)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ¹ Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 mos	APR* As low as 6.99%	Estimated Monthly Payment per $1,000 $23.94	Discounted APR¹ As low as 5.99%*	Estimated Discounted Monthly Payment per $1,000 $23.48
Terms Up to 66 mos	APR* As low as 7.24%	Estimated Monthly Payment per $1,000 $18.41	Discounted APR¹ As low as 6.24%*	Estimated Discounted Monthly Payment per $1,000 $17.94
Terms 67 - 75 mos	APR* As low as 7.74%	Estimated Monthly Payment per $1,000 $16.86	Discounted APR¹ As low as 6.99%*	Estimated Discounted Monthly Payment per $1,000 $16.50
Terms 76 - 84 mos	APR* As low as 8.49%	Estimated Monthly Payment per $1,000 $15.83	Discounted APR¹ As low as 7.74%*	Estimated Discounted Monthly Payment per $1,000 $15.46

Motorcycle Loans (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ²Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase any ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 months	Minimum Loan Amount $5,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $24.06	Maximum Discounted APR² As low as 6.74%*	Estimated monthly payment per $1,000 $23.83
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 7.49%	Estimated monthly payment per $1,000 $18.53	Maximum Discounted APR² As low as 6.99%*	Estimated monthly payment per $1,000 $18.29
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $17.23	Maximum Discounted APR² As low as 7.99%*	Estimated monthly payment per $1,000 $16.98

Motorcycle Loans (2017 - 2020)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ²Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase any ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 months	Minimum Loan Amount $2,500	APR* As low as 8.24%	Estimated monthly payment per $1,000 $24.53	Maximum Discounted APR² As low as 7.74%*	Estimated monthly payment per $1,000 $24.29
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $19.02	Maximum Discounted APR² As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $17.73	Maximum Discounted APR² As low as 8.99%*	Estimated monthly payment per $1,000 $17.48

RV and Trailer (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ³Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 8.74%	Estimated monthly payment per $1,000 $19.14	Maximum Discounted APR³ As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $14.78	Maximum Discounted APR³ As low as 8.49%*	Estimated monthly payment per $1,000 $14.39
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.74%	Estimated monthly payment per $1,000 $11.80	Maximum Discounted APR³ As low as 8.99%*	Estimated monthly payment per $1,000 $11.37
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $10.89	Maximum Discounted APR³ As low as 9.49%*	Estimated monthly payment per $1,000 $10.44

RV and Trailer (2015 - 2020)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ³Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 9.74%	Estimated monthly payment per $1,000 $19.63	Maximum Discounted APR³ As low as 9.24%*	Estimated monthly payment per $1,000 $19.38
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $15.30	Maximum Discounted APR³ As low as 9.74%*	Estimated monthly payment per $1,000 $15.04
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 10.74%	Estimated monthly payment per $1,000 $12.38	Maximum Discounted APR³ As low as 10.24%*	Estimated monthly payment per $1,000 $12.09
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $11.52	Maximum Discounted APR³ As low as 10.74%*	Estimated monthly payment per $1,000 $11.20

Boat and Sports Craft (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ⁴Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 10.49%	Estimated monthly payment per $1,000 $20.00	Maximum Discounted APR⁴ As low as 9.74%*	Estimated monthly payment per $1,000 $19.63
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 11.49%	Estimated monthly payment per $1,000 $15.97	Maximum Discounted APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $15.57
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $13.43	Maximum Discounted APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $12.98

Boat and Sports Craft (2017 - 2020)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice. ⁴Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 11.49%	Estimated monthly payment per $1,000 $20.51	Maximum Discounted APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $20.13
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $16.52	Maximum Discounted APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $16.11
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 13.49%	Estimated monthly payment per $1,000 $14.05	Maximum Discounted APR⁴ As low as 12.74%*	Estimated monthly payment per $1,000 $13.59

Visa Credit Cards

Card	APR*
*APR = Annual Percentage Rate. Rates are effective as of November 21, 2024 and are subject to change without notice. All loans are subject to credit approval. The APR will vary with the market based on the prime rate. See full summary of rates and terms See Product Details
Card Visa^® Platinum Credit Card	APR* 14.24% - 26.24% APR*
Card Visa^® Platinum Rewards Credit Card	APR* 15.00% - 27.00% APR*

Card

APR*

*APR = Annual Percentage Rate. Rates are effective as of November 21, 2024 and are subject to change without notice. All loans are subject to credit approval. The APR will vary with the market based on the prime rate.

See full summary of rates and terms

See Product Details

Card

Visa^® Platinum Credit Card

APR*

14.24% - 26.24% APR*

Card

Visa^® Platinum Rewards Credit Card

APR*

15.00% - 27.00% APR*

Solar and Energy Efficient Loans

Terms	Maximum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Inspired Checking² As low as	Estimated monthly payment per $1,000
* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective December 1, 2024 and are subject to change without notice. ¹ Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify. ²Inspired Checking Loan Discount – Take 0.25% APR off when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan). Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. Energy Efficient Loans includes Water Conservation program. Product Details for Solar Product Details for Energy Efficient The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75. UCC-1 filing is required.
Terms Up to 96 months¹	Maximum Loan Amount $80,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $13.75	With Inspired Checking² As low as 6.99%	Estimated monthly payment per $1,000 $13.63
Terms 97 - 144 months¹	Maximum Loan Amount $80,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $10.96	With Inspired Checking² As low as 7.99%	Estimated monthly payment per $1,000 $10.82
Terms 145 - 240 months¹	Maximum Loan Amount $80,000	APR* As low as 8.74%	Estimated monthly payment per $1,000 $8.83	With Inspired Checking² As low as 8.49%	Estimated monthly payment per $1,000 $8.67

Personal Loans

Loan Type	Terms	Loan Amount	With Ancillary Product Purchase & Inspired Checking APR*¹ As low as	Estimated monthly payment per $1,000
Rates effective December 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details. ¹ Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product. Inspired Checking Loan Discount – Take 0.25% APR off the standard rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan). Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. ² No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account. See Product Details
Loan Type Life Loan	Terms Up to 60 months	Loan Amount $500 - $25,000	With Ancillary Product Purchase & Inspired Checking APR*¹ As low as 12.49%	Estimated monthly payment per $1,000 $22.49
Loan Type Bill Consolidation Loan	Terms Up to 60 months	Loan Amount $500 - $20,000	With Ancillary Product Purchase & Inspired Checking APR*¹ As low as 15.99%	Estimated monthly payment per $1,000 $24.31
Loan Type	Terms	Loan Amount	With Ancillary Product Purchase & Inspired Checking APR*¹ As low as	Estimated monthly payment per $1,000
Loan Type Loan Type	Terms Terms	Loan Amount Min. Loan Amount	With Ancillary Product Purchase & Inspired Checking APR¹ As low as APR	Estimated monthly payment per $1,000
Loan Type Share Secured²	Terms Up to 120 months	Loan Amount $100	With Ancillary Product Purchase & Inspired Checking APR¹ As low as Savings rate + 3% APR	Estimated monthly payment per $1,000
Loan Type Certificate Secured²	Terms 60 months or up to certificate term	Loan Amount $500	With Ancillary Product Purchase & Inspired Checking APR¹ As low as Certificate rate + 3% APR	Estimated monthly payment per $1,000

Line of Credit

Loan Type	Maximum Loan Amount	APR* As low as
Rates effective December 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. ³ Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.
Loan Type 1010 Police Department Loan	Maximum Loan Amount $2,500	APR* As low as 9.11%
Loan Type Money on Request	Maximum Loan Amount $15,000	APR* As low as 14.49%³

Loan Type

Maximum Loan Amount

APR*
As low as

Rates effective December 1, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply.

³ Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.

Loan Type

1010 Police Department Loan

Maximum Loan Amount

$2,500

APR*
As low as

9.11%

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*
As low as

14.49%³

Home Equity Line of Credit

Combined Loan-To-Value (CLTV)	Loan Amount	Rate (as low as)	Introductory APR* (as low as)	Points
Second Home property types will require a 0.25% add-on to published rate. Investment property types will require a 0.50% add-on to published rate. $25,000 minimum loan amount. Other conditions may apply. Disclosure *APR = Annual Percentage Rate. Rates are effective as of 12/01/2024 and are subject to change without notice. Rates are based on creditworthiness. Introductory rate is fixed for the first 12 months. ¹Introductory fixed APR is based on a combined loan-to-value (CLTV) and will remain in effect for 12 months from the date the Home Equity Line of Credit (HELOC) Agreement and Disclosure Statement was signed. Thereafter, the introductory APR will revert to a variable APR and will be adjusted on the first day of each billing cycle based on the WSJ Prime Rate + a margin up to 3.00% depending on loan parameters. As of 09/19/2024, the APR ranges from 9.00% – 11.00% APR. The maximum APR that can be applied is 18.00% and the minimum is 3.99%. Maximum credit limit subject to CLTV guidelines. Minimum credit line available is $25,000. You can obtain advances of credit for 10-years (Draw Period); the Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. Property insurance is required. All loans are subject to credit approval, income verification, and satisfactory appraisal and collateral. Rates, terms, and fees are subject to change without notice. Please consult a tax advisor regarding the deductibility of interest. Download this PDF guide to learn more about What You Should Know About Home Equity Lines of Credit (https://www.wheelhousecu.com/files/201603_cfpb_booklet_heloc.pdf). Draw Period: You can obtain advances of credit for 10-years (Draw Period). During the Draw Period, your minimum payment will equal the total of (a) the periodic finance charges, and other fees, charges and costs including without limitation, any other expenses or advances incurred by us under the Security Instrument and (b) accrued but unpaid interest for prior Billing Cycles. The Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. During the Repayment Period, if any, your minimum payment will equal the fraction as outlined in your HELOC Agreement of your unpaid Account Balance at the end of the Draw Period, plus all periodic finance charges, and other fees, charges, and costs. All payments will be due monthly. The minimum payments may not be sufficient to fully repay the principal that is outstanding on your HELOC. If they are not, you will be required to pay the entire outstanding balance in a single payment and a balloon payment may result. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment. Minimum Payment Example: The information provided is based on an initial $10,000 advance at funding on an existing single-family home used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% and a credit limit of $100,000. During the 10-Year Draw Period • 12 payments of $66.58 at an initial interest rate of 7.99%. • 108 payments of $75.00 at a variable interest rate of 9.00%. During the 20-Year Repayment Period • 239 payments of $90.00 at a variable interest rate of 9.00%. • 1 payment of $86.09 at a variable interest rate of 9.00%. Other terms and conditions may apply. Equal Housing Opportunity. Membership required. See Product Details
Combined Loan-To-Value (CLTV) Up to 75%	Loan Amount $25,000 to $100,000	Rate (as low as) 7.99%	Introductory APR* (as low as) 7.99%	Points 0.000
Combined Loan-To-Value (CLTV) Up to 65%	Loan Amount $25,000 to $250,000	Rate (as low as) 7.99%	Introductory APR* (as low as) 7.99%	Points 0.000

Combined Loan-To-Value (CLTV)

Loan Amount

Rate
(as low as)

Introductory APR*
(as low as)

Points

Second Home property types will require a 0.25% add-on to published rate. Investment property types will require a 0.50% add-on to published rate. $25,000 minimum loan amount. Other conditions may apply.

Disclosure
*APR = Annual Percentage Rate. Rates are effective as of 12/01/2024 and are subject to change without notice. Rates are based on creditworthiness. Introductory rate is fixed for the first 12 months.

¹Introductory fixed APR is based on a combined loan-to-value (CLTV) and will remain in effect for 12 months from the date the Home Equity Line of Credit (HELOC) Agreement and Disclosure Statement was signed. Thereafter, the introductory APR will revert to a variable APR and will be adjusted on the first day of each billing cycle based on the WSJ Prime Rate + a margin up to 3.00% depending on loan parameters. As of 09/19/2024, the APR ranges from 9.00% – 11.00% APR. The maximum APR that can be applied is 18.00% and the minimum is 3.99%. Maximum credit limit subject to CLTV guidelines. Minimum credit line available is $25,000. You can obtain advances of credit for 10-years (Draw Period); the Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. Property insurance is required. All loans are subject to credit approval, income verification, and satisfactory appraisal and collateral. Rates, terms, and fees are subject to change without notice. Please consult a tax advisor regarding the deductibility of interest. Download this PDF guide to learn more about What You Should Know About Home Equity Lines of Credit (https://www.wheelhousecu.com/files/201603_cfpb_booklet_heloc.pdf).

Draw Period: You can obtain advances of credit for 10-years (Draw Period). During the Draw Period, your minimum payment will equal the total of (a) the periodic finance charges, and other fees, charges and costs including without limitation, any other expenses or advances incurred by us under the Security Instrument and (b) accrued but unpaid interest for prior Billing Cycles. The Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. During the Repayment Period, if any, your minimum payment will equal the fraction as outlined in your HELOC Agreement of your unpaid Account Balance at the end of the Draw Period, plus all periodic finance charges, and other fees, charges, and costs. All payments will be due monthly. The minimum payments may not be sufficient to fully repay the principal that is outstanding on your HELOC. If they are not, you will be required to pay the entire outstanding balance in a single payment and a balloon payment may result. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.

Minimum Payment Example: The information provided is based on an initial $10,000 advance at funding on an existing single-family home used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% and a credit limit of $100,000.

During the 10-Year Draw Period
• 12 payments of $66.58 at an initial interest rate of 7.99%.
• 108 payments of $75.00 at a variable interest rate of 9.00%.

During the 20-Year Repayment Period
• 239 payments of $90.00 at a variable interest rate of 9.00%.
• 1 payment of $86.09 at a variable interest rate of 9.00%.

Other terms and conditions may apply. Equal Housing Opportunity. Membership required.

See Product Details

Combined Loan-To-Value (CLTV)

Up to 75%

Loan Amount

$25,000 to $100,000

Rate
(as low as)

7.99%

Introductory APR*
(as low as)

7.99%

Points

0.000

Combined Loan-To-Value (CLTV)

Up to 65%

Loan Amount

$25,000 to $250,000

Rate
(as low as)

7.99%

Introductory APR*
(as low as)

7.99%

Points

0.000

Current Mortgage Rate Sheet

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