|
|
|
|
Savings Rates
|
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Savings Rates
|
Certificate/IRA
Rates
|
|
Minimum
|
Annual
Rate
|
Annual %
Yield
|
|
Minimum
|
Annual
Rate
|
Annual %
Yield
|
|
Share Account*
|
$5.00
|
.25%
|
.25%
|
3 Month
Certificate
|
$2,500
|
.60%
|
.60%
|
|
Holiday Club
|
$5.00
|
.25%
|
.25%
|
6 Month
Certificate
|
$2,500
|
.75%
|
.75%
|
|
Vacation Club
|
$5.00
|
.25%
|
.25%
|
9 Month
Certificate
|
$2,500
|
.90%
|
.90%
|
|
IRA Share Account
|
$5.00
|
.50%
|
.50%
|
12 Month
Certificate
|
$1,000
|
1.00%
|
1.00%
|
|
Roth IRA
|
$5.00
|
.50%
|
.50%
|
15 Month
Certificate
|
$1,000
|
1.1 0%
|
1.10%
|
|
Educational IRA
|
$5.00
|
.50%
|
.50%
|
18 Month
Certificate
|
$1,000
|
1.25%
|
1.26%
|
|
|
|
|
24 Month*
Certificate
|
$2,500
|
1.75%
|
1.76%
|
|
July
19, 2010
Rates
subject to change
without notice. Call 781-1020
for the latest update.
*One Time Bump Up options
with $2,500 minimum balance.
|
36 Month
Certificate
|
$1,000
|
2.00%
|
2.02%
|
|
48 Month
Certificate
|
$1,000
|
2.50%
|
2.53%
|
|
60 Month
Certificate
|
$1,000
|
2.75%
|
2.78%
|
|
|
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Loan Rates
|
|
Consumer Loans
|
Mortgages-New and
Refinance
|
|
Description
|
Term
|
Financing
|
Check
out our complete line of mortgages, or visit the
Mortgage Center for selected rates and
contact information.
|
|
New Auto Rates:*
|
3
Years
|
|
2.99%
|
|
4
Years
|
|
2.99%
|
|
Special
|
5 Years
|
|
3.49%
|
|
6
Years
|
|
4.49%
|
|
Used Auto Rates:*
|
|
|
|
|
Models 2007 - 2009
|
3
Years
|
|
2.99%
|
|
4
Years
|
|
2.99%
|
|
5
Years
|
|
3.99%
|
|
Models 2004 - 2006
|
3
Years
|
|
5.49%
|
|
4
Years
|
|
5.99%
|
|
Used Auto Prior to
2004
|
3 Years
|
|
6.49%
|
Fixed Equity and
Line of Credit
|
|
4
Years
|
|
6.99%
|
Description
|
Term
|
Rate
|
|
Motorcycle/Scooters*
|
|
|
7.00%
|
|
Balances
|
80%
LTV
|
90%
|
|
Unsecured Loan*
|
1 Year
|
|
9.99%
|
Variable Rate
Equity Line of Credit****
|
Less
than 25,000
|
Prime
|
|
|
25,000 to 75,000
|
Prime - 1/2
|
|
|
Greater than 75,000
|
Prime - 1.0
|
|
|
2 Years
|
|
10.49%
|
Fixed Rate
Equity*/**
|
5 Years
|
4.75%
|
5.75%
|
|
3 Years
|
|
10.99%
|
10
Years
|
4.99%
|
5.99%
|
|
15 Years
|
5.49%
|
6.49%
|
|
20 Years
|
5.99%
|
6.99%
|
|
4 Years
|
|
11.99%
|
Effective
July
19, 2010
Rates
subject to change without notice. Call 781-1020 for the latest update.
Above rates apply to loans paid by payroll deductions or automatic transfer
from shares or checking.
All over the counter loan payments are 1/2% higher rates.
*Rate
will be determined by individual credit worthiness. Rates advertised
are the lowest rates available. Rates advertised are for New Boats and RVs.
Used Boat and RV Rates may be higher.
**Add
.25% to Equity loan rates without an active Wave FCU checking account
***Personal
Mortgage Insurance required with LTV above 80%.
****10
Yr Term with minimum rate of 4.00%.
Credit
life and credit disability insurance available on all loans.
Prime Rate, July 19, 2010 = 3.25%
*$1,000.00
for 12 months at 9.99%; 11 monthly payments of $87.24 and 1 payment of
$86.89
|
|
5 Years
|
|
12.99%
|
|
Share/Certificate
|
|
|
Current Share
Rate + 3.00%
|
|
Boat*
|
|
|
8.00%
|
|
RV*
|
|
|
7.00%
|
|
Cash Reserve/Checking
Overdraft
|
|
|
12.00%
|
|
Private Student
Loan
|
|
|
8.00%
|
|
Visa Card no
Annual fee
|
|
|
12.00%
|
|
|
|
|
|
Wave Federal
Credit Union
Main Office
480 Greenwich Avenue
Warwick, RI 02886
(401) 781-1020
(1-888-492-8328)
Apponaug Office
35 Veterans Memorial Drive
Warwick, RI 02886
(401) 681-1080
Fax: (401) 681-1085
Warwick Avenue Office
1217 Warwick Avenue
Warwick, RI 02888
(401) 463-9574
Fax: (401) 463-5161
Pawtucket Office
341 Benefit Street
(Corner Benefit & Cottage)
Pawtucket, RI 02861
(401) 726-5752
Fax: (401) 726-6301
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Copyright © 2001 by Wave Federal Credit
Union. All rights reserved.
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