West Virginia Central Credit Union

Loan Rates Effective April 1, 2025

Savings (Shares) Secured Loans
Current Dividend + 2% Variable Rate / Annual Percentage Rate

Certificate of Deposit Secured Loans
Current Dividend + 2% Variable Rate / Annual Percentage Rate

Personal Loans
Term	Annual percentage rates may be as low as*
24 Months	8.55%
36 Months	9.05%
48 Months	9.55%
60 Months	10.05%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.

Unsecured Single Pay Note
Type	Annual Percentage Rate
90 day note	As Low As 8.55%

Lines of Credit
Type	Annual Percentage Rate
Overdraft Protection Line of Credit Requires minimum $50.00 monthly payments	15.00%
Personal Line of Credit Requires minimum $75.00 monthly payments	15.00%

Vehicle Loans
Term	Annual percentage rates may be as low as*
36 months	4.50%
48 months	4.75%
60 months	5.25%
66 months	5.50%
72 months	5.75%
84 months	6.35%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Mortgage Loan/Conventional and Home Equity Loans
In house first and second mortgages are available. Secondary market real estate loans are available for terms up to 30 years. For more information call 304-485-4523 ext. 1138, or email us here.

Mobile Home & Land Loan
See information on Mortgage Loan/Conventional and Home Equity Loans

Unimproved Property (Deed of Trust Required)
Type	Annual percentage rates may be as low as*
L-T-V 80% Max \| 20% Down \| 180 Months	5.75%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.

Motorcycles / ATVs Loans
Term	Annual percentage rates may be as low as*
36 months	5.00%
48 months	5.25%
60 months	5.75%
66 months	6.00%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Boats & RVs
Term	Annual percentage rates may be as low as*
36 months	5.00%
48 months	5.25%
60 months	5.75%
66 months	6.00%
72 months	6.25%
84 months	6.85%
85-120 months	7.35%

Amount financed will determine term eligibility
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Miscellaneous Equipment Loans
Term	Annual percentage rates may be as low as*
36 months	5.00%
48 months	5.25%
60 months	5.75%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Rate discounts are also available. Terms and conditions apply.