Due to the Coronavirus, we are changing how you access your branches. We have suspended services at our 5 Moore Drive Branch, but we welcome your business at our Main Branch located at 10810 Chapel Hill Road, Morrisville NC.
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We Have Great Rates!

  • Auto Loans
  • Savings
  • Money Markets
  • Share Certificates
  • IRA Share Certificates
  • IRA
  • Personal Loans
  • Credit Cards
  • H/E Lines of Credit
  • Individual Lines of Credit
  • Other
Effective as of: June 1, 2020

New Vehicles

Approximate Term Annual Percentage Rate (APR)
New Cars, Trucks, and SUVs: Up to 60 Months As low as 1.99%***
New Cars, Trucks, and SUVs: 61 Months - 84 Months As low as 1.99%***
New Boats, RVs, Motorcycles, and Other Vehicles: Up to 60 Months As low as 3.99%***
New Boats and RVs: 61 Months to 84 Months As low as 4.24%***
New Boats and RVs: Loan >$40,000 and term >84 Months (up to 120 Months) As low as 5.24%***
New Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months) As low as 5.24%***

Used Vehicles

Approximate Term Annual Percentage Rate (APR)
Used Cars, Trucks, SUVs, and Classics: Up to 60 Months As low as 2.29%***
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months As low as 2.54%***
Used Boats, RV's, Motorcycles, and Other Vehicles: Up to 60 Months As low as 4.29%***
Used Boats and RV's: 61 months to 84 months As low as 4.54%***
Used Boats, RVs, and Classic Autos: Loan >$40,000 and term >84 Months (up to 120 Months) As low as 5.54%***
Used Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months) As low as 5.54%***

*** The loan rates shown are our premium rates based on Welcome Federal Credit Union’s risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice.

(Contact your branch for more information and full disclosures.)

Effective as of: June 1, 2020

Savings Accounts

Account Type Minimum Deposit* Annual Percentage Rate (APR) Annual Percentage Yield
Shares $5.00 0.05% 0.05%
Christmas Club Accounts $5.00 0.05% 0.05%

(Rates are accurate as of June 1, 2020**. Dividends credited and compounded quarterly.)
* Minimum deposit required to open an account.
** Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.
(For the most current information and any restrictions and disclosures, phone us toll-free at 888-932-8148.)

Effective as of July 1, 2020

Money Market Accounts

Dividends Credited and Compounded Minimum Deposit* Annual Percentage Rate (APR) Annual Percentage Yield (APY)
Monthly (Calendar)
$1,000.00-$25,000.99 $1,000.00 0.10% 0.10%
$25,001.00-$75,000.99 $25,001.00 0.15% 0.15%
$75,001.00 or greater $75,001.00 0.20% 0.20%

(Rates are accurate as of July 1, 2020 ***.)

*Minimum deposit required to open, and the minimum Daily Balance required to avoid a service fee for the calendar month.

**Account transfer and withdrawal limitations apply.

***Quoted annual percentage rate (APR), annual percentage yield (APY), and effective date are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period. Fees or other conditions could reduce earnings.

(Contact your branch for more information and full disclosures.)

Effective as of July 1, 2020

Share Certificates

Certificate Term Minimum Deposit Annual Percentage Rate (APR) Annual Percentage Yield (APY)
12 Months $500.00 0.55% 0.55%
24 Months $500.00 0.65% 0.65%
36 Months $500.00 0.75% 0.75%
48 Months $500.00 0.85% 0.85%
0.85% $500.00 1.00% 1.00%

Rates are accurate as of July 1, 2020***. Dividends credited and compounded quarterly. The certificates listed above are available for a limited time.)

*Minimum deposit required to open certificate account. **We may impose a penalty if you withdraw any of the principal from a certificate account before the maturity date. ***Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.

Effective as of July 1, 2020

IRA Share Certificates

Certificate Term** Minimum Deposit* Annual Percentage Rate (APR) Annual Percentage Yield (APY)
12 Months $500.00 0.55% 0.55%
24 Months $500.00 0.65% 0.65%
36 Months $500.00 0.75% 0.75%
48 Months $500.00 0.85% 0.85%
60 Months $500.00 1.00% 1.00%

(Rates are accurate as of July 1, 2020***. Dividends credited and compounded quarterly. The certificates listed above are available for a limited time.)

 *Minimum deposit required to open IRA certificate account. **We may impose a penalty if you withdraw any of the principal from a certificate account before the maturity date. An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59½. ***Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period. Dividends compounded and credited quarterly.

 (Contact your branch for more information and full disclosures.)

Effective as of June 1, 2020

IRA

Account Type Minimum Deposit* Annual Percentage Rate (APR) Annual Percentage Yield (APY)
IRAs $100.00 0.10% 0.10%

(Rates are accurate as of June 1, 2020**. Dividends credited and compounded quarterly.)

* Minimum deposit required to open an account.

** Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.

 (Contact your branch for more information and full disclosures.)

Effective as of July 1, 2020

Personal Loans

Loan Types Annual Percentage Rate (APR)
Line of Credit Loans - Variable Rate^ APR is Based on your income, your creditworthiness, the Index and a margin^
APR is Based on your income, your creditworthiness, the Index and a margin^ APR is Based on your income, your creditworthiness, the Index and a margin^
Line of Credit Loans 14.00%
Overdraft Line of Credit Loans 14.00%
Holiday Line of Credit Loans 14.00%
Summer Vacation Line of Credit Loans 14.00%
Disaster Loans 12.00%
Debt Consolidation Loans 16.00%
Debt Consolidation Loans 14.00%
Tax Relief Loans 14.00%

^This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) may change as a result. The Annual Percentage Rate is based on your income, credit worthiness, the value of an index and the margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of each month preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

(Contact your branch for more information and full disclosures).

Effective as of July 1, 2020

Credit Cards

Credit Cards
Effective as of July 1, 2020

H/E Lines of Credit

Loan Types Annual Percentage Rate (APR)
Home Equity Line of Credit Loans ** As low as 5.50% - APR is Based on Combined Loan-to-Value, your creditworthiness, and the Index****

**Eligible property must be located within the State of North Carolina.

****This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) and the minimum payment may change as a result. The APR is accurate as of January 31, 2020. The Annual Percentage Rate is based on your creditworthiness, the value

of an index and the combined loan-to-value. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of the January preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

(Contact your branch for more information and full disclosures).

Effective as of July 1, 2020

Individual Lines of Credit

Loan Types Annual Percentage Rate (APR)
Line of Credit Loans - Variable Rate^ APR is Based on your income, your creditworthiness, the Index and a margin^
Overdraft Line of Credit Loans - Variable Rate^ APR is Based on your income, your creditworthiness, the Index and a margin^
Line of Credit Loans 14.00%
Overdraft Line of Credit Loans 14.00%
Holiday Line of Credit Loans 14.00%
Summer Vacation Line of Credit Loans 14.00%

^This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) may change as a result. The Annual Percentage Rate is based on your income, credit worthiness, the value of an index and the margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of each month preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

(Contact your branch for more information and full disclosures).

Effective as of July 1, 2020

Other

Loan Types Annual Percentage Rate (APR)
Share Loans Share Rate Plus 3.00%
Certificate Secured Loans Certificate Rate Plus 2.00%
Land Loans ** 8.50%

**Eligible property must be located within the State of North Carolina.

(Contact your branch for more information and full disclosures).

 

Contact Your Branch for more Information and Full Disclosures.