Rates

All rates are updated daily and are based on current market conditions.

Coverdell Educational Savings Account

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Coverdell Educational Savings Account
Term of Months APY* Dividend Rate
3 0.20% 0.200%
6 0.30% 0.300%
12 0.50% 0.499%
18 0.60% 0.598%
24 0.70% 0.698%
30 0.80% 0.797%
36 1.00% 0.995%
48 1.10% 1.094%
60 1.20% 1.193%

*APY – denotes Annual Percentage Interest Yield. The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. The above certificate interest rates effective 8/3/2022.

Signature Loan

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Loan Type Term APR*as low as
Signature Loan 12-60 months 7.24%
Signature Loan 61-72 months** 7.49%
Signature Loan 73-84 months*** 7.74%

* APR = Annual Percentage Interest Rate ** Loan amount must be greater than $10,000 ***Loan amount must be greater than $15,000. All rates are based on “A+” credit and requires autopay. Rates Effective as of 3/18/2022. All rates are subject to change without notice.

LIMITED TIME SPECIAL – AS LOW AS 3.95% APR* – Annual Percentage Rate (APR). Rates based on A+ credit and requires autopay. Maximum loan amount is $5,000. Offer valid through 8/31/2022.

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Harley Davidson Motorcycle Loan

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New Harley Davidson Book Value Term APR* as low as
Up to 125% up to 48 months 4.74%
Up to 125% 49 to 60 months 4.99%
Up to 125% 61 to 72 months** 5.49%
Up to 125% 73 to 84 months*** 5.74%

 

Used Harley Davidson Book Value / Age Term APR* as low as
Up to 125% / 1-5 years up to 48 months 4.99%
Up to 125% / 1-5 years 49  to 60 months 5.49%
Up to 125% / 1-5 years 61 to 72 months 5.74%
Up to 125% / 6-10 years Harley Davidson ONLY 60 months** 5.99%

*APR = Annual Percentage Rate. **72 Month must be $15,000 or greater. **84 Month must be $20,000 or greater. All rates are based on “A+” credit and requires autopay. Rates effective as of 6/23/2022. All rates are subject to change without notice.

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Used Motorcycle Loan

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Book Value / Age of Motorcycle Term APR* as low as
Up to 125% / 1-5 years up to 36 months 4.99%
Up to 125% / 1-5 years 37 – 48 months 5.49%
Up to 125% / 1-5 years 49 – 60 months 5.74%
Up to 125% / 6-10 years Harley Davidson ONLY 60 months** 5.99%

* APR = Annual Percentage Rate. **72 Month must be $15,000 or greater. Used Motorcycle = 120,000 miles or less. All rates are based on “A+” credit and requires autopay. Rates effective as of 6/23/2022. All rates are subject to change without notice.

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New Motorcycle Loan

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Book Value Term APR* as low as
Up to 125% up to 48 months 4.74%
Up to 125% 49 – 60 months 4.99%
Up to 125% 61 – 72 months** 5.49%
Up to 125% 73 – 84 months*** 5.74%

* APR = Annual Percentage Rate. **72 Month Selling price must be $15,000 or greater. ***84 Month Selling price must be $20,000 or greater. All rates are based on “A+” credit and requires autopay. All rates are subject to change without notice. Rates effective as of 6/23/2022.

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Share Interest Rates

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Balance APY* Interest
$0-49 0.05% 0.05%
$50.00 – 2,499.99 0.05% 0.05%
$2,500.00 – 9,999.99 0.05% 0.05%
$10,000.00 & up 0.05% 0.05%

*APY – denotes Annual Percentage Interest Yield. All rates are subject to change without notice. Share/Savings interest rates effective 6/22/2022.

Club Account Interest Rates

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Balance APY* Interest
No Minimum 0.05% 0.05%

*APY – denotes Annual Percentage Interest Yield. Rates and Split Balances are subject to change monthly. Dividends are paid monthly based upon daily balances. Effective date 6/22/2022.

Money Market Interest Rates

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Balance Interest APY*
$1,000.00 – 9,999.99 0.100% 0.100%
$10,000.00 – 24,999.99 0.100% 0.100%
$25,000.00 – 49,999.99 0.100% 0.100%
$50,000.00 – 99,999.99 0.200% 0.200%
$100,000 – 249,999.99 0.200% 0.200%
$250,000 & up 0.200% 0.200%

*APY – denotes Annual Percentage Interest Yield. Rates effective as of 8/3/2022. All rates are subject to change without notice.

Share and IRA Certificates

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Share Certificates
Term of Months APY* Dividend Rate
3 0.20% 0.200%
6 0.30% 0.300%
12 0.50% 0.499%
18 0.60% 0.598%
24 0.70% 0.698%
30 0.80% 0.797%
36 1.00% 0.995%
48 1.10% 1.094%
60 1.20% 1.193%
Traditional IRA Certificates
Term of Months APY* Dividend Rate
3 0.20% 0.200%
6 0.30% 0.300%
12 0.50% 0.499%
18 0.60% 0.598%
24 0.70% 0.698%
30 0.80% 0.797%
36 1.00% 0.995%
48 1.10% 1.094%
60 1.20% 1.193%
Roth IRA Certificates
Term of Months APY* Dividend Rate
3 0.20% 0.200%
6 0.30% 0.300%
12 0.50% 0.499%
18 0.60% 0.598%
24 0.70% 0.698%
30 0.80% 0.797%
36 1.00% 0.995%
48 1.10% 1.094%
60 1.20% 1.193%

*APY – denotes Annual Percentage Interest Yield. The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. The above certificate interest rates effective 8/3/2022.

IRA Variable Interest Rate

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Balance APY* Interest
No Minimum 0.075% 0.075%

*APY – denotes Annual Percentage Interest Yield. The above IRA Variable Interest Rate effective 6/22/2022.

VISA Credit Card Rates

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Loan Type Term APR*
Visa Classic N/A 10.49%
Visa Classic – Cash N/A 10.49%
Visa Platinum N/A 6.49%
Visa Platinum – Cash N/A 7.99%

*APR = Annual Percentage Rate

Rates effective 10/15/2019

All rates are subject to change without notice.

Secured Loan Rates

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Loan Type Term APR*
Share Secured up to 60 months 2.99%
Share Secured 61 – 120 months 3.99%
Share Certificate Secured N/A CD Rate + 1.75%

* APR = Annual Percentage Rate

All rates are based on “A+” credit and requires autopay.

Rates Effective as of 10/15/2019

All rates are subject to change without notice.

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Tuition Reimburesement Rates

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Loan Type Term APR* as low as
Tuition Reimbursement 6 months 9.50%

* APR = Annual Percentage Rate

All rates are based on “A+” credit and requires autopay.

Rates Effective as of 10/15/2019

All rates are subject to change without notice.

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New Vehicle Loan Rates

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Book Value Term APR* as low as
Up to 125% up to 48 months 3.99%
Up to 125% up to 60 months 4.24%
Up to 125% 61-72 months** 4.49%
Up to 125% 73-84 months*** 5.49%

* APR = Annual Percentage Rate. **72 months – Selling price must be $15,000 or greater. ***84 months – Selling price must be $20,000 or greater. All rates are based on “A+” credit and requires autopay. Rates effective 8/4/2022. All rates are subject to change without notice.

Vehicle loans and certain Recreation Vehicles require liability and comprehensive insurance.

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Used Vehicle Loan Rates

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Book Value / Age of Vehicle Term APR* as low as
Up to 125% / 1-5 yrs up to 48 months 4.24%
Up to 125% / 1-5 yrs up to 60 months 4.49%
Up to 125% / 1-5 yrs 61-72 months 4.74%
Up to 125% / 6-10 yrs up to 60 months 4.49%
Up to 125% / 6-10 yrs up to 72 months** 6.24%
Up to 90% / 11-15 yrs up to 24 months 7.74%
Up to 90% / 11-15 yrs 25-36 months 7.99%
Up to 90% / 11-15 yrs 37-48 months 8.24%

* APR = Annual Percentage Rate. **72 months – Must be 40,000 miles or less & $15,000 or greater. All rates are based on “A+” credit and requires autopay. Vehicle loans and certain Recreation Vehicles require liability and comprehensive insurance. Rates effective 8/4/2022. All rates are subject to change without notice.

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Recreational Vehicle Loan Rates

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New RV Book Value Term APR* as low as
Up to 125% up to 36 months 5.49%
Up to 125% up to 48 months 5.74%
Up to 125% up to 60 months 5.99%
Up to 125% up to 72 months 6.49%

 

Book Value / Age of Used RV Term APR* as low as
Up to 125% / 1-5 years Up to 36 months 5.99%
Up to 125% / 1-5 years up to 48 months 6.24%
Up to 125% / 1-5 years up to 60 months 6.49%
Up to 125% / 6-10 years Up to 36 months 6.24%
Up to 125% / 6-10 years Up to 48 months 6.49%
Up to 125% / 6-10 years Up to 60 months 6.74%

* APR = Annual Percentage Rate. ** 72 Months must be $50,000 or greater. Used RV = 120,000 miles or less. All rates are based on “A+” credit and requires autopay. Rates effective 6/23/2022. All rates are subject to change without notice. Vehicle loans and certain Recreation Vehicles require liability and comprehensive insurance.

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Home Equity Rates – Fixed

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Home Equity 1st Lien
Term APR*
60 Months 3.904%
120 Months 4.579%
180 Months 4.803%
Home Equity 2nd Lien
Term APR*
60 Months 4.155%
120 Months 4.178%
180 Months 5.305%

*Annual Percentage Rate (APR). Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. Loans with a combined LTV over 80% through 90% require an additional .50%. Other rates and terms available.

All rates are subject to change without notice.

Home Equity Rates – Line of Credit

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Amount Term APR* as low as
 New Line of Credit up to $150,000 6 months 1.99%
 Line of Credit thereafter Prime*** + 0
(resets monthly)
8 yr draw
10 yr repayment
5.50%
Rate will not go below 3.50% after 6 month introductory

* APR = Annual Percentage Rate. All rates are based on “A+” credit and includes .25% autopay discount. Rates based on Wall Street Journal Prime Rate. Home secured loans require homeowners and fire insurance.  Other insurances may be required on Home secured loans, please speak with a Senior Member Service Rep for more information. Home Equity Line of Credit rates effective 6/2/2022. All rates are subject to change without notice.

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Dividends are calculated daily and posted monthly. Interest rates are subject to change at any time. Fees or other conditions could reduce the earnings on the accounts. For further information about applicable fees and terms, please contact any of our branches.

APY* – denotes Annual Percentage Yield

All rates are subject to change without notice.