Current Loan, Savings & Mortgage Rates in Wichita | WFCU

Loan Rates

	Autos	Boats	Motorcycyles	RVs
APR* as low as 4.99% with AutoPay
Automatic payment (AutoPay) discount available

Credit Cards

Type	APR*
WFCU Visa^Ⓡ Credit Card	As low as 13.50%

Unsecured Loans

Type	APR*
Signature Loans	As low as 9.75%**

Secured Loans

Type	APY**
Share Secured Loans	3% Above APY***

Savings Account Rates

Rates Effective September 30, 2026
These rates are subject to change without notice.

Type	Rate	APY**	Dividend Period
Regular Share	0.15%	0.15%	Quarterly
Secondary Shares	0.15%	0.15%	Quarterly
IRA	0.15%	0.15%	Quarterly
Christmas Club	1.00%	1.00%	Annually

Money Market Account Rates

Type / Term	Rate	APY**	Dividend Period
$1,000 - $5,000	.95%	.95%	Monthly
$5,001-$10,000	1.00%	1.00%	Monthly
$10,001 - $25,000	1.00%	1.00%	Monthly
$25,001 - $50,000	1.49%	1.50%	Monthly
$50,001 +	1.99%	2.00%	Monthly

Share Certificate/IRA Certificate Rates

Rates Effective September 30, 2025
These rates are subject to change without notice.

Term	Rate*	APY**	Dividend Period	Early W/D Penalty
Youth Share Certificate	3.89%	3.95%	Quarterly	90 Days Interest
3 Month	2.48%	2.50%	Quarterly	90 Days Interest
6 Month	3.46%	3.50%	Quarterly	90 Days Interest
1 Year	3.75%	3.80%	Quarterly	180 Days Interest
2 Year	4.18%	4.25%	Quarterly	180 Days Interest
3 Year	3.84%	3.90%	Quarterly	180 Days Interest
4 Year	3.94%	4.00%	Quarterly	180 Days Interest
5 Year	3.21%	3.25%	Quarterly	180 Days Interest

Checking Rates

Rates effective as of September 30, 2025.

Account	APY**	Dividend Period
Prosper	0.50%	Monthly

ACCOUNT	DIVIDEND	APY** (Tier 1)	APY** (Tier 2)
Preferred	Monthly	0.10% (Min. balance of $1500-$4999	0.15% (Min. balance of $5000)
Ultimate	Monthly	0.10% (Min. balance of $1500-$4999	0.15% (Min. balance of $5000)
Premier	Monthly	0.10% (Min. balance of $1500-$4999	0.15% (Min. balance of $5000)

Click here to access our current Mortgage Rates: MORTGAGE RATES

*APR = Annual Percentage Rate
**With Automatic Payments
***APY = Annual Percentage Yield

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