Rates
All rates effective as of September 1, 2010. Rates and promotions are subject to change without notice. For current rates, call 202-456-2900 or 1-888-804-WHCU (9428) toll-free, or visit any office.
Savings Rates
| |
Rate |
APY* |
Young Savers Accounts
|
0.10% |
0.10%
|
Regular Share Accounts
|
0.10% |
0.10%
|
Special Share Accounts
|
0.10% |
0.10%
|
Traditional, Roth & SEP IRAs
|
1.25% |
1.26%
|
| Money Market Accounts ($2,500 Minimum Balance) |
$2,500 - $24,999.99
|
0.25% |
0.25% |
| $25,000 - $49,999.99 |
0.35% |
0.35% |
| $50,000 - $99,999.99 |
0.50% |
0.50%
|
| $100,000 & up |
0.75% |
0.76% |
| Share Certificates |
| 6 Months |
0.50% |
0.50% |
| 12 Months |
1.00% |
1.00% |
| 24 Months |
1.25% |
1.26% |
| 36 Months |
1.50% |
1.51% |
| 48 Months |
1.75% |
1.76% |
| IRA Certificates |
| 12 Months |
1.00% |
1.00% |
| 24 Months |
1.25% |
1.26% |
| 36 Months |
1.50% |
1.51% |
| 48 Months |
1.75% |
1.76% |
*Annual Percentage Yield.
Loan Rates
Fixed-Rate Loans
| Certificate Secured Loans |
APR† As Low As |
PFI Relationship APR‡ |
| |
2% above the certificate rate |
N/A |
| New Auto Loans (Up to 100% financing) |
| Up to 36 months |
4.50% |
4.25% |
| Up to 48 months |
4.50% |
4.25% |
| Up to 60 months |
5.00% |
4.75% |
| Up to 72 months available if loan amount is $25,000 or more |
| Used Auto Loans (Up to 100% financing) |
| Up to 36 months |
4.50% |
4.25% |
| Up to 48 months |
4.50% |
4.25% |
| Up to 60 months |
5.00% |
4.75% |
| Motorcycle Loans |
| Up to 60 months |
6.75% |
6.50% |
|
| Fixed-Rate Home Equity Loans (Up to 90% of the equity) |
| 60 months |
5.99% |
5.74% |
| 120 months |
6.99% |
6.74% |
| 180 months |
7.99% |
7.74% |
| Signature Loans |
| Up to 60 months |
8.00% |
7.75% |
Variable-Rate Loans
| Leisure Time Vehicle Loans |
| Up to 60 months |
4.75% |
4.50% |
| Up to 120 months |
5.75% |
5.50% |
| (If loan amount is $25,000 or more) |
| Lines of Credit |
8.25% |
8.00% |
| Share Secured Loans |
| Up to 120 months |
2.50% |
N/A |
| Home Equity Lines of Credit (Prime + 0%) |
4.00% |
|
†Annual Percentage Rate. Rates are quoted “as low as” and are subject to credit approval.
‡Primary Financial Institution Relationship. Members having a Checking Account and Direct Deposit at The White House FCU may be eligible for reduced rates on selected loans.
VISA Credit Cards
| Terms & Conditions |
VISA Gold and Classic Cards* |
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers |
VISA Gold: Prime + 6.25%
VISA Classic: Prime + 11.25% |
| Variable Rate Information |
VISA Gold: Variable
VISA Classic: Variable |
| Grace Period for Repayment of Balances or Purchases |
25 days |
| Balance Calculation Method |
Average Daily Balance (including New Purchases and Cash Advances) |
| Annual Fee |
None |
| Minimum Finance Charge |
None |
| Transaction Fee for Purchases |
None |
| Transaction Fee for Cash Advances |
None |
| Late Payment Fee |
VISA Gold: $35
VISA Classic: $35
(if payment is not received 10 days after due date) |
| Returned Check Fee |
$25 |
*Rates effective as of 2/22/10 and subject to change without notice. If there is no introductory rate, the periodic rate used to compute the FINANCE CHARGE for purchases is based on an index (the "Index") which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly.
BALANCE TRANSFER INFORMATION: You agree to allow 30 days to process your request, pay the amount(s) authorized and transfer the balances to your White House FCU credit card account. You may transfer up to your White House FCU available credit limit. Please continue to make minimum payments on your other credit card(s) until the balance(s) have been transferred. All overpayments must be refunded by the other institution. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). The White House FCU is not responsible for any remaining balance(s) or additional charges with regard to such accounts, nor for any charges resulting in any delay in the payment and transfer of balances. The total amount(s) transferred will be treated as a cash advance; finance charges will be applied from the day the balance(s) are transferred to your White House FCU credit card account. The White House FCU reserves the right to refuse multiple transfers from the same credit card. Balance transfer is contingent upon approval of your White House FCU VISA account. If you do not qualify for a VISA Gold Credit Card, you will be considered for a VISA Classic Credit Card.
Credit Rebuilder Program Loan Rates
| Certificate Secured Loans |
APR (As Low As) |
| (Up to maturity date of certificate) |
2% above certificate rate |
| New Auto Loans (2009-2010 vehicles) |
APR (As Low As) |
| Up to 60 months |
4.25% – 18.00% |
| (Up to 72-month term available on new auto loans over $25,000) |
| Used Auto Loans (2006-2010 vehicles) |
APR (As Low As) |
| Up to 60 months |
4.25% – 18.00% |
| Motorcycle Loans |
APR (As Low As) |
| Up to 60 months |
6.50% – 18.00% |
| (Up to 72-month term available on motorcycle loans over $25,000) |
| Lines of Credit |
APR (As Low As) |
| Up to 60 months |
8.00% – 18.00% |