Walled Lake Schools Federal Credit Union Loan Rates
Auto Rates
Effective Date: Sunday, November 2nd, 2025
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Automobiles | 2020 - 2026 | up to 48 months | as low as *4.74% |
| Automobiles | 2020 - 2026 | 49 - 60 months | as low as *4.99% |
| Automobiles | 2020 - 2026 | 61 - 72 months | as low as *5.24% |
| Automobiles | 2023 - 2026 | 73 - 84 months | as low as *5.49% |
| Automobiles | 2019 & older | up to 48 months | as low as *5.64% |
| Automobiles | 2019 & older | 49 - 60 months | as low as *5.89% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2025 - 2026 | 84 months | as low as *5.74% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2025 - 2026 | 85 - 180 months | as low as *5.99% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2021 - 2024 | 48 - 180 months | as low as *6.74% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2021-2024 | 181-240 months | as low as *6.99% |
| Motorcycles/Motorhomes Travel Trailers/5th Wheels/Boats | 2020 & older | 48 - 180 months | as low as *6.99% |
| Jet Ski/ATV/Snowmobile | as low as *5.99% New - *6.75% Used | ||
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
VISA Rates
Effective Date: Sunday, November 2nd, 2025
| Loan Type | Amount | Term | *APR |
|---|---|---|---|
| VISA Classic | $15,000 max per member | 25 day grace and NO annual fee | 12.84% |
| VISA Gold | $25,000 max per member | 25 day grace and NO annual fee | 9.50% |
| Junior Visa | $500 Max Limit | 25 day grace and NO annual fee | 12.84% |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Home Loan Rates
Effective Date: Sunday, November 2nd, 2025
| Loan Type | Year/Amount | Term | *APR |
|---|---|---|---|
| Home Equity | Call Us | Line of Credit - Payments calculated at $100 per $10,000 | 7.25%* |
| 1st Mortgage | 80% of appraised value | 15-year fixed rate | 5.49%* |
| 2nd Mortgage | Call Us | 15-year fixed rate | 7.75%* |
| 3 yr ARM | Call Us | Variable | 4.63%* |
| 5 yr ARM | Call Us | Variable | 4.74%* |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | |||
Other Rates
Effective Date: Sunday, November 2nd, 2025
| Loan Type | Year/Amount | *APR |
|---|---|---|
| Line of Credit | $5,000 per member | as low as *8.49% |
| Certificate Secured Loan | CD Rate + 1.50% | |
| Share Secured Loan | 1.50% | |
| Home Improvement Loan | up to $30,000 per signature | *8.99% |
| max. of 120 months | ||
| Personal Loan | Up to $10,000.00 | |
| 12 - 36 months | as low as *6.99% | |
| 37 - 60 months | as low as *7.99% | |
| 61 - 120 months | as low as *8.99% | |
| Personal Loan | Up to $20,000.00 | |
| 12 - 36 months | as low as *7.99% | |
| 37 - 60 months | as low as *8.99% | |
| 61 - 120 months | as low as *9.99% | |
| *APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type. | ||