Winchester Federal Credit Union
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  Competitive Rates
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Membership

Winchester Federal Credit Union is a nonprofit organization serving Winchester town employees, eligible businesses and their family members.

For additional information about membership, please call us at (781) 729-0668.

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Loan Rates -
To apply for a loan or to learn more about our products and services, please call us at (781) 729-0668.

Rates Subject to Change

 NEW VEHICLE LOANS APR**
 Finance up to 100%
 of Book Value*		 up to 72 months 4.99%

 USED VEHICLE LOANS APR**
 Finance up to 90%
 of Book Value*		 up to 48 months 4.99%
 Finance up to 90%
 of Book Value*		 up to 60 months 5.49%
* Car loans over six yrs. old are to be discussed with the staff & approved by the Credit Committee
** APR = Annual Percentage Rate


 CREDIT CARD PROGRAM APR**
 Maximum $10,000 up to 24 months 5.99%
 Maximum $5,000 up to 12 months 4.99%

 PERSONAL LOANS* APR**
 Maximum $10,000 up to 24 months 8.75%
 Maximum $10,000 up to 48 months 10.75%
 Rewrites $10,000 up to 48 months 11.75%
 SHARE Secured Loan SHARE rate plus 4.00%
 Partial Secured Loan Same as Personal Loan
* $10,000 maximum personal loan limit per member
** APR = Annual Percentage Rate


 OTHER Dividend APY*
 SHARES & CLUB Accounts 0.25%  0.25%
 IRA Accounts 0.50%  0.50%
 Certificates of Deposits - 1 year
 ($2,000.00 minimum - Simple interest with Early Withdrawal Fee)		 0.50% 0.50%
* APY = Annual Percentage Yield
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