Today's Best Low Interest Rates

Inspired Checking

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 17, 2020 *APY – Annual Percentage Yield See Product Details
Average Daily Balance <$10,000.00	Dividend Rate 0.50%	APY* 0.50%
Average Daily Balance $10,000+	Dividend Rate 1.00%	APY* 1.00%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

<$10,000.00

Dividend Rate

0.50%

APY*

0.50%

Average Daily Balance

$10,000+

Dividend Rate

1.00%

APY*

1.00%

Share Savings

Minimum Balance	Dividend Rate	APY
Rates effective as of January 17, 2020 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 January 17, 2020 *APY – Annual Percentage Yield See Product Details
Minimum Balance <$10,000.00	Dividend Rate 0.25%	APY* 0.25%
Minimum Balance $10,000.00+	Dividend Rate 0.50%	APY* 0.50%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY – Annual Percentage Yield

See Product Details

Minimum Balance

<$10,000.00

Dividend Rate

0.25%

APY*

0.25%

Minimum Balance

$10,000.00+

Dividend Rate

0.50%

APY*

0.50%

Aspire Savings - Smart Start Program

Minimum Balance	Dividend Rate	APY
Rates effective as of January 17, 2020 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 January 17, 2020

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 January 17, 2020 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.
Minimum Balance <$10,000.00	Dividend Rate 0.85%	APY* 0.85%
Minimum Balance $10,000.00+	Dividend Rate 1.00%	APY* 1.00%

Minimum Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Minimum Balance

<$10,000.00

Dividend Rate

0.85%

APY*

0.85%

Minimum Balance

$10,000.00+

Dividend Rate

1.00%

APY*

1.00%

Money Market

Average Daily Balance	Dividend Rate	APY
Rates effective as of January 17, 2020 *APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. 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 0.10%	APY 0.10%
Average Daily Balance $25,000 - $49,999.99	Dividend Rate 0.15%	APY 0.15%
Average Daily Balance $50,000 - $89,999.99	Dividend Rate 0.20%	APY 0.20%
Average Daily Balance $90,000 and above	Dividend Rate 0.25%	APY 0.25%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 17, 2020 *APY – Annual Percentage Yield See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Certificates & IRAs

Term/Months	Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 17, 2020 *APY = Annual Percentage Yield. Rate is valid as of January 17, 2020 and is a limited-time offer. New money only. May not be combined with funds already on deposit at Wheelhouse Credit Union. A minimum $1,000 opening deposit and balance is required to earn the stated rate. 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. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. Upon maturing, a 33-month certificate will automatically rollover to a 36-month certificate and a 22-month certificate to a 24-month certificate at the rate in effect at that time. Certificate APYs, conditions and terms are subject to change without notice. † 22 and 33 Month Certificates – Earn the stated rate when opened with outside funds. See Product Details
Term/Months 22 months	Average Daily Balance New money†. Minimum opening balance $1,000.	Dividend Rate 1.89%	APY* 1.90%
Term/Months 33 months	Average Daily Balance New money†. Minimum opening balance $1,000.	Dividend Rate 2.03%	APY* 2.05%

Term/Months

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY = Annual Percentage Yield. Rate is valid as of January 17, 2020 and is a limited-time offer. New money only. May not be combined with funds already on deposit at Wheelhouse Credit Union. A minimum $1,000 opening deposit and balance is required to earn the stated rate. 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. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. Upon maturing, a 33-month certificate will automatically rollover to a 36-month certificate and a 22-month certificate to a 24-month certificate at the rate in effect at that time. Certificate APYs, conditions and terms are subject to change without notice.

† 22 and 33 Month Certificates – Earn the stated rate when opened with outside funds.

See Product Details

Term/Months

22 months

Average Daily Balance

New money†. Minimum opening balance $1,000.

Dividend Rate

1.89%

APY*

1.90%

Term/Months

33 months

Average Daily Balance

New money†. Minimum opening balance $1,000.

Dividend Rate

2.03%

APY*

2.05%

Regular & IRA Certificates

Terms	Average Daily Balance	Dividend Rate	APY
Rates effective as of January 17, 2020 APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. 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 IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. See your account disclosure for full details. * 3-month/91 day term not available on IRA certificates. See Product Details
Terms 3 months* (91 day)	Average Daily Balance $500.00 and above	Dividend Rate 0.70%	APY 0.70%
Terms 6 months	Average Daily Balance $500.00 and above	Dividend Rate 0.80%	APY 0.80%
Terms 8 months	Average Daily Balance $500.00 - $9,999.99	Dividend Rate 1.05%	APY 1.05%
Terms 8 months	Average Daily Balance $10,000.00 - $89,999.99	Dividend Rate 1.10%	APY 1.10%
Terms 8 months	Average Daily Balance $90,000.00 and above	Dividend Rate 1.15%	APY 1.15%
Terms 12 months	Average Daily Balance $500.00 and above	Dividend Rate 1.34%	APY 1.35%
Terms 18 months	Average Daily Balance $500.00 and above	Dividend Rate 1.39%	APY 1.40%
Terms 24 months	Average Daily Balance $500.00 and above	Dividend Rate 1.44%	APY 1.45%
Terms 36 months	Average Daily Balance $500.00 and above	Dividend Rate 1.64%	APY 1.65%
Terms 60 months	Average Daily Balance $500.00 - $9,999.99	Dividend Rate 2.33%	APY 2.35%
Terms 60 months	Average Daily Balance $10,000.00 - $89,999.99	Dividend Rate 2.38%	APY 2.40%
Terms 60 months	Average Daily Balance $90,000.00 and above	Dividend Rate 2.43%	APY 2.45%

Coverdell Education Savings

Average Daily Balance	Dividend Rate	APY*
Rates effective as of January 17, 2020 *APY – Annual Percentage Yield See Product Details
Average Daily Balance $25.00+	Dividend Rate 0.15%	APY* 0.15%

Average Daily Balance

Dividend Rate

APY*

Rates effective as of January 17, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2017 and newer)

Terms	Promotional APR*	Estimated Monthly Payment per $1,000	Auto Buying Service APR*	Estimated Monthly Payment per $1,000
Rates effective January 6, 2020 Promotional rates effective January 6 through January 31, 2020 * APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional discounts do not apply. ¹Subject to credit and collateral approval. Rates and terms are effective 01/06/2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2017 and newer and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a new vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months. See Product Details
Terms Up to 36 mos	Promotional APR* As low as 2.24%	Estimated Monthly Payment per $1,000 $28.75 (at 36 months)	Auto Buying Service APR* As low as 1.74%¹	Estimated Monthly Payment per $1,000 $28.53 (at 36 months)
Terms 37 - 66 mos	Promotional APR* As low as 2.99%	Estimated Monthly Payment per $1,000 $16.45 (at 66 months)	Auto Buying Service APR* As low as 2.49%¹	Estimated Monthly Payment per $1,000 $16.23 (at 66 months)
Terms 67 - 75 mos	Promotional APR* As low as 3.24%	Estimated Monthly Payment per $1,000 $14.75 (at 75 months)	Auto Buying Service APR* As low as 2.99%¹	Estimated Monthly Payment per $1,000 $14.63 (at 75 months)
Terms 76 - 84 mos	Promotional APR* As low as 5.24%	Estimated Monthly Payment per $1,000 $14.25 (at 84 months)	Auto Buying Service APR* As low as 4.99%¹	Estimated Monthly Payment per $1,000 $14.13 (at 84 months)

Auto Loans (2012 - 2016)

Terms	Promotional APR*	Estimated Monthly Payment per $1,000	Auto Buying Service APR*	Estimated Monthly Payment per $1,000
Rates effective January 6, 2020 Promotional rates effective January 6 through January 31, 2020. * APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Other rates may be available for older vehicles. 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. ¹Subject to credit and collateral approval. Rates and terms are effective 01/06/2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2016 to 2012 and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a used vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months. See Product Details
Terms Up to 66 mos	Promotional APR* As low as 3.74%	Estimated Monthly Payment per $1,000 $16.79 (at 66 months)	Auto Buying Service APR* As low as 3.24%¹	Estimated Monthly Payment per $1,000 $16.56 (at 66 months)
Terms 67 - 75 mos	Promotional APR* As low as 3.99%	Estimated Monthly Payment per $1,000 $15.09 (at 75 months)	Auto Buying Service APR* As low as 3.74%¹	Estimated Monthly Payment per $1,000 $14.97 (at 75 months)
Terms 76 - 84 mos	Promotional APR* As low as 5.99%	Estimated Monthly Payment per $1,000 $14.60 (at 84 months)	Auto Buying Service APR* As low as 5.74%¹	Estimated Monthly Payment per $1,000 $14.48 (at 84 months)

Motorcycle Loans (2017 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. 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. See Product Details
Terms Up to 48 months	Minimum Loan Amount $5,000	APR* As low as 5.24%	Estimated monthly payment per $1,000 $23.14 (at 48 months)
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 6.24%	Estimated monthly payment per $1,000 $17.94 (at 66 months)
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $16.62 (at 75 months)

Motorcycle Loans (2012 - 2016)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. 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. See Product Details
Terms Up to 48 months	Minimum Loan Amount $2,500	APR* As low as 6.24%	Estimated monthly payment per $1,000 $23.60 (at 48 months)
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $18.41 (at 66 months)
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $17.10 (at 75 months)

Boats and Sports Craft (2017 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. 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. See Product Details
Terms Up to 72 months	Minimum Loan Amount $2,500	APR* As low as 7.99%	Estimated monthly payment per $1,000 $17.53 (at 72 months)
Terms 73 - 96 months	Minimum Loan Amount $20,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $14.65 (at 96 months)
Terms 97 - 180 months	Minimum Loan Amount $30,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $10.74 (at 180 months)

Boats and Sports Craft (2016 and Older)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. 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. See Product Details
Terms Up to 72 months	Minimum Loan Amount $2,500	APR* As low as 8.99%	Estimated monthly payment per $1,000 $18.02 (at 72 months)
Terms 73 - 96 months	Minimum Loan Amount $20,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $15.17 (at 96 months)
Terms 97 - 180 months	Minimum Loan Amount $30,000	APR* As low as 10.99%	Estimated monthly payment per $1,000 $11.36 (at 180 months)

Recreational Vehicles (2017 and Newer)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply. See Product Details
Terms Up to 72 months	Minimum Loan Amount $2,500	APR* As low as 7.49%	Estimated monthly payment per $1,000 $17.29 (at 72 months)
Terms 73 - 96 months	Minimum Loan Amount $20,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $14.39 (at 96 months)
Terms 97 - 180 months	Minimum Loan Amount $30,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $10.44 (at 180 months)

Recreational Vehicles (2010 - 2016)

Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply. See Product Details
Terms Up to 72 months	Minimum Loan Amount $2,500	APR* As low as 8.49%	Estimated monthly payment per $1,000 $17.77 (at 72 months)
Terms 73 - 96 months	Minimum Loan Amount $20,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $14.91 (at 96 months)
Terms 97 - 180 months	Minimum Loan Amount $30,000	APR* As low as 10.49%	Estimated monthly payment per $1,000 $11.05 (at 180 months)

Wheelhouse Credit Cards

Card	APR
Rates are as of January 21, 2020 See full summary of rates and terms See Product Details
Card Visa^® Platinum Credit Card	APR 10.99% - 22.99% APR*
Card Visa^® Platinum Rewards Credit Card	APR 11.75% - 23.75% APR*

Card

APR

Rates are as of January 21, 2020

See full summary of rates and terms

See Product Details

Card

Visa^® Platinum Credit Card

APR

10.99% - 22.99% APR*

Card

Visa^® Platinum Rewards Credit Card

APR

11.75% - 23.75% APR*

Solar and Energy Efficient Loans

Terms	Maximum Loan Amount	APR*	Estimated monthly payment per $1,000
* APR = Annual Percentage Rate. Rates are based on credit worthiness, payment method and loan term. Rates are effective January 6, 2020 and are subject to change without notice. Energy Efficient Loans includes Water Conservation program. Product Details for Solar Product Details for Energy Efficient
Terms Up to 96 months	Maximum Loan Amount $80,000	APR* As low as 4.74%	Estimated monthly payment per $1,000 $12.54 (at 96 months)
Terms 97 - 144 months	Maximum Loan Amount $80,000	APR* As low as 5.74%	Estimated monthly payment per $1,000 $9.62 (at 144 months)
Terms 145 - 240 months	Maximum Loan Amount $80,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $7.90 (at 240 months)

Personal Loans

Loan Type	Terms	Minimum Loan Amount	APR*	Estimated monthly payment per $1,000
Rates effective January 6, 2020 * APR = Annual Percentage Rate. 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. **Rate includes a discount of 0.25% APR with the purchase of an ancillary product. ¹ 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	Minimum Loan Amount $500	APR* As low as 9.24%**	Estimated monthly payment per $1,000 $20.88 (at 60 months)
Loan Type Bill Consolidation Loan	Terms Up to 60 months	Minimum Loan Amount $500	APR* As low as 14.24%**	Estimated monthly payment per $1,000 $23.52 (at 60 months)
Loan Type Shared Secured¹	Terms Up to 120 months	Minimum Loan Amount $100	APR* Savings rate + 3% APR	Estimated monthly payment per $1,000
Loan Type Certificate Secured¹	Terms 60 months or up to certificate term	Minimum Loan Amount $500	APR* Certificate rate + 3% APR	Estimated monthly payment per $1,000

Line of Credit

Loan Type	Maximum Loan Amount	APR*
Rates effective January 6, 2020 * APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. **Rate includes 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 8.86%**
Loan Type Money on Request	Maximum Loan Amount $15,000	APR* As low as 12.49%**

Loan Type

Maximum Loan Amount

APR*

Rates effective January 6, 2020

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

**Rate includes 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 8.86%**

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*

As low as 12.49%**

We offer fixed or adjustable-rate closed-end, simple interest loans used for home purchase or refinance, including:

Purchase or Refinance
Jumbo or Conforming
FHA and VA
1st-Time Homebuyer

Visit the Mortgage Center or call our Wheelhouse Mortgage Specialist at 619-278-5771 to apply today!