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Rates & Fees
Check out the rates and fees for our loans and savings products
Savings Rates
The rates quoted on all savings products (including the High-Yield Deposit, Certificate & Health Savings accounts) are subject to change at any time and without advance notification; call Wildfire Credit Union for current rates. The Annual Percentage Yields (APY) listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Unless otherwise stated below, there is no minimum balance required to open additional savings accounts, but a $0 minimum daily balance is required to earn the stated APY. Call the credit union for complete disclosures.
Savings Account Rates
Membership Share
- Minimum opening balance: $5
- Minimum balance to earn dividends: $5
- Dividends are compounded & credited quarterly.
Conventional Mortgages 30 year
- Conventional Mortgages
Premium Savings *
- Dividends are compounded & credited monthly.
- Minimum balance to earn dividends: $0
- At least 10 debit and/or credit card transactions per month must occur on the corresponding account.
- Paperless statements are required**.
- You need a Membership Savings in order to have a Premium Savings account.
Conventional Mortgages 30 year
- Conventional Mortgages
* Premium Account Disclaimer: If qualifications listed above are not met, dividends will not be paid.
** Paperless Statements Disclaimer: To go paperless you will need to disable paper statements in Digital+ by heading to "Statement Options" under "My Profile" in the "Self Service" drop down at the top of the page. If you previously signed up for eStatements, you are all set.
Additional/Other Savings Accounts
Conventional Mortgages 30 year
- Conventional Mortgages
Checking Account Rates
Personal Checking
- Minimum balance to earn dividends: $0
Conventional Mortgages 30 year
- Conventional Mortgages
Premium Checking
- Dividends are compounded & credited monthly.
- No monthly charges.
- A "No Bounce" feature with overdraft protection (apply separately).
- Online Banking access for transfers and reconciliation.
- Reorder Checks Online.
Requirements:**
- At least 10 debit and/or credit card transactions per month, on the account the savings is under.
- Paperless statements are required***.
- Minimum balance to earn dividends: $0
Conventional Mortgages 30 year
- Conventional Mortgages
* Limitations apply, contact Wildfire for more details.
** Premium Account Disclaimer: If qualifications listed above are not met, dividends will not be paid.
*** Paperless Statements Disclaimer: To go paperless you will need to disable paper statements in Digital+ by heading to "Statement Options" under "My Profile" in the "Self Service" drop down at the top of the page. If you previously signed up for eStatements, you are all set.
Club Account Rates
Conventional Mortgages 30 year
- Conventional Mortgages
IRA Rates
- Dividends are compounded & credited quarterly.
- Minimum opening balance: $0.
- Minimum balance to earn dividends: $0.
Conventional Mortgages 30 year
- Conventional Mortgages
High-Yield Deposit Accounts
- A minimum balance of $1,000 is required to open the account and earn the stated APY.
- Dividends are compounded & credited monthly.
- Other restrictions apply. Call the credit union for complete disclosures.
Conventional Mortgages 30 year
- Conventional Mortgages
Certificates
- Minimum opening balance for all certificates: $500.
- Minimum balance to earn dividends for all certificates: $500.
- Dividends are compounded & credited monthly.
- For certificates of $100,000 or more, contact the credit union for current rates.
- There is a substantial penalty for early withdrawal; call the credit union for complete disclosures.
Special Certificate Rates
Conventional Mortgages 30 year
- Conventional Mortgages
Regular Certificate Rates
Conventional Mortgages 30 year
- Conventional Mortgages
Youth CD
Benefits:
- Low minimum deposit and you have the ability to add to the deposit.
- Choose between a six and/or twelve month Youth CD.
Conditions:
- Must be twenty-five or younger.
- $100 minimum deposit ($2,000 maximum deposit per Youth certificate).
- $50 minimum add-on deposits.
- No more than ten Youth certificates per member.
- Early withdrawal penalties apply.
Conventional Mortgages 30 year
- Conventional Mortgages
* Youth CD Disclaimer: The APY will vary depending on the initial certificate deposit amount.
Health Savings Accounts (HSA)
- Dividends are compounded and credited monthly.
- Minimum opening balance: $0.
- Minimum balance to earn dividends: $0.
- The rates are subject to change at any time and without advance notifications.
- The APY listed are accurate as of the last dividend declaration date.
- Fees, if any, may reduce earnings and affect APY calculations.
Conventional Mortgages 30 year
- Conventional Mortgages
Business Rates
The rates quoted on all savings products (including the High-Yield Deposit, Certificate & Health Savings accounts) are subject to change at any time and without advance notification; call Wildfire Credit Union for current rates. The Annual Percentage Yields (APY) listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Unless otherwise stated below, there is no minimum balance required to open additional savings accounts, but a $0 minimum daily balance is required to earn the stated APY. Call the credit union for complete disclosures.
Business Explanation of Rates and Service Charges
Business Savings Account Rates
Business Membership Share:
- Minimum opening balance: $5.
- Minimum balance to earn dividends: $5.
- Dividends are compounded & credited quarterly.
Conventional Mortgages 30 year
- Conventional Mortgages
Other Savings
- Minimum opening balance: $0.
- Minimum balance to earn dividends: $1.
- Dividends are compounded & credited quarterly.
Conventional Mortgages 30 year
- Conventional Mortgages
Special Certificate Rates for Business
- Minimum opening balance for all certificates: $500.
- Minimum balance to earn dividends for all certificates: $500.
- Dividends are compounded & credited monthly.
- For certificates of $100,000 or more, contact the credit union for current rates.
- There is a substantial penalty for early withdrawal; call the credit union for complete disclosures.
Conventional Mortgages 30 year
- Conventional Mortgages
Certificate of Deposit Account
Conventional Mortgages 30 year
- Conventional Mortgages
High-Yield Deposit Account
- Minimum opening balance: $1,000.
- Minimum balance to earn dividends: $1,000.
- Dividends are compounded & credited monthly.
- Other restrictions apply. Call the credit union for complete disclosures.
Conventional Mortgages 30 year
- Conventional Mortgages
Business Checking Beyond
- Dividends are compounded & credited monthly.
- Minimum opening balance: $0.
- $5,000 minimum average monthly balance*.
- Tiered rate of interest, which is paid monthly.
- Up to 500 transactions per month**.
Conventional Mortgages 30 year
- Conventional Mortgages
Disclaimers:
* $15 monthly maintenance fee if minimum average monthly balance not maintained.
** Monthly transactions include checks paid, withdrawals, deposits, items deposited, Automated Clearing House (ACH) credits and debits received. There is a fee of thirty-five cents per transaction over the monthly limit.
Loan Rates
Please Note: Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history. The approximate term is provided to disclose the term we use to calculate payments for the credit union's open-end loan products.
Open End Consumer Loans
- APR = Annual Percentage Rate.
- Loans are based on credit approval.
- There are no transaction, membership, activity, or participation fees.
- Rates are subject to change without notice. Call the credit union for current rate.
- Share secured loans are issued at 2.00% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 3.00%. Rates adjust annually in the anniversary month of the loan.
Conventional Mortgages 30 year
- Conventional Mortgages
New & Used Auto Loan Rates
- All rates listed are the Annual Percentage Rate (APR).
- Rates are based on the applicant(s) credit score.
- Rates are subject to change without notice. Call the credit union for current rates.
- Loans are based on credit approval.
- Auto secured loans may require a down payment of up to 20%. Down payment amount is based on credit worthiness.
Conventional Mortgages 30 year
- Conventional Mortgages
New & Used Motorcycle Loan Rates
- All rates listed are the Annual Percentage Rate (APR).
- Rates are based on the applicant(s) credit score.
- Rates are subject to change without notice. Call the credit union for current rates.
- Loans are based on credit approval.
- Credit Terms for loans secured by a Motorcycle may require a maximum 20% down payment.
Conventional Mortgages 30 year
- Conventional Mortgages
Conventional Mortgages 30 year
- Conventional Mortgages
New & Used Boats/RVs
Conventional Mortgages 30 year
- Conventional Mortgages
Other Loans
Conventional Mortgages 30 year
- Conventional Mortgages
Credit Cards - Platinum Visa®
- Rates as low as 8.90%.
- Loans based on credit approval.
- APR = Annual Percentage Rate.
- Rates are based on the applicant(s) credit score. Rates are subject to change without notice. Call the credit union for current rates.
- No U.S. transaction, membership, activity or participation fees.
- International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States.
Real Estate Rates
Please Note: Rates are subject to change without notice. Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history and LTV (Loan to Value) and may be different from the rates disclosed below.
APR amount calculations assume a 20% down payment has been made for a final loan amount of $120,000. All payment examples are for principle and interest only. Property taxes and home owners insurance are not included.
Mortgage applicants please read our Mortgage Applicant Disclosure.
Primary Residence & Second Home
Balloon Mortgages
A balloon payment will result if only principal and interest payments are made during the term of the loan.
Conventional Mortgages 30 year
- Conventional Mortgages
* Balloon repayment and option to refinance example: If you borrow $120,000 at 6.152% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $709.85 and one final payment of approximately $112,200.85. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Conventional Mortgages
Conventional Mortgages 30 year
- Conventional Mortgages
Vacant Land
- A balloon payment will result if only principal and interest payments are made during the term of the loan.
Conventional Mortgages 30 year
- Conventional Mortgages
* Balloon repayment and option to refinance example: If you borrow $50,000 at 7.399% APR for a 180 month amortization, 36 month balloon term, you will make 35 payments of approximately $445.93 and one final payment of approximately $44,090.13. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Home Equity Rates
Mortgage applicants please read our Mortgage Applicant Disclosure.
Home Cash Equity Loan
- 20 year amortization; 5-year balloon*.
- All payment examples are for principal and interest only. Property taxes and insurance are not included.
- A balloon payment will result if only principal and interest payments are made during the term of the loan.
Conventional Mortgages 30 year
- Conventional Mortgages
* Balloon repayment and option to refinance example: If you borrow $50,000 at 7.212% APR for a 240 month amortization, 60 month balloon term, you will make 59 payments of approximately $387.65 and one final payment of approximately $43,515.96. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Home Equity Line of Credit (HELOC)
- There are no transaction, activity, membership, or participation fees.
- 10 year draw period, 25 year amortization period.
- Additional charges may apply.
- Maximum rate 18%.
Conventional Mortgages 30 year
- Conventional Mortgages
NOTE: Rates are subject to change without notice. Call for current rates.
Fees & Service Charges
