Auto Loan Rates
| Model Year: 2022 & Newer | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 5.50% | $30.20 |
| 48 Month Term | 6.00% | $23.49 |
| 60 Month Term | 6.24% | $19.44 |
| 72 Month Term | 6.40% | $16.76 |
| 84 Month Term | 6.50% | $14.85 |
| Model Year: 2021 - 2017 | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 5.99% | $30.42 |
| 48 Month Term | 6.35% | $23.65 |
| 60 Month Term | 6.44% | $19.54 |
| 72 Month Term | 6.60% | $16.86 |
| Model Year: 2016 & Older | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 36 Month Term | 6.80% | $30.79 |
| 48 Month Term | 7.30% | $24.09 |
| 60 Month Term | 7.84% | $20.20 |
1APR = Annual Percentage Rate. Rates effective as of October 4, 2024 and subject to change without notice. The rate will be determined by the rate in effect on the day the loan is funded.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Auto loan rates assume loan-to-value (LTV) of less than 75% including other financed products (GAP, mechanical repair coverage). If LTV is between 75% and 109.99%, add 0.50%. If LTV is above 109.99%, add 1.0%. Additionally, rates assume a 0.50% discount for payroll direct deposit(s) totaling $1,000 or more into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Auto loan rates assume loan-to-value (LTV) of less than 75% including other financed products (GAP, mechanical repair coverage). If LTV is between 75% and 109.99%, add 0.50%. If LTV is above 109.99%, add 1.0%. Additionally, rates assume a 0.50% discount for payroll direct deposit(s) totaling $1,000 or more into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Credit Card Rates
| Member Rewards Visa Signature® | Annual Percentage Rate |
|---|---|
| Member Rewards Visa Signature Credit Card | 18.00% variable APR |
| Member Cash Rewards Visa Signature | Annual Percentage Rate |
|---|---|
| Member Cash Rewards Visa Signature Credit Card | 18.00% variable APR |
| Visa Platinum | Annual Percentage Rate |
|---|---|
| Visa Platinum Credit Card | 13.40% - 18.00% variable APR |
*APR = Annual Percentage Rate.
The APR will vary with the market based on the Prime Rate.
Rates are based on an evaluation of your credit history and other factors.
Membership with a $5 Share Account required.
The APR will vary with the market based on the Prime Rate.
Rates are based on an evaluation of your credit history and other factors.
Membership with a $5 Share Account required.
HELOC Rates
| Home Equity Line of Credit | APR as Low as1 |
|---|---|
| Flex-Line HELOC – 80% loan-to-value | 7.75% |
| Flex-Line HELOC – 90% loan-to-value | 9.25% |
1APR = Annual Percentage Rate.
Rates effective as of October 4, 2024 and subject to change without notice.
HELOC rates are variable and subject to change; maximum APR is 18%.
Closing costs vary by state. The average cost is $500 but can range from $50–$3,000.
Property insurance is required.
Interest-only payments only available for loans approved at 80% LTV.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Personal Loan Rates
| Personal Loan | APR as Low as1 | Payment per $1,000 |
|---|---|---|
| 48 Month Term | 12.24% | $26.45 |
| 60 Month Term | 14.24% | $23.39 |
| 72 Month Term | 16.24% | $21.82 |
1APR = Annual Percentage Rate. Rates effective as of October 4, 2024 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ. Maximum APR is 18%.
Payment Example – Assuming a $1,000 loan with a 48-month term and 11.49% APR, your monthly payment would be $26.08 and the total cost of the loan (principal and interest) would be $1,252.04.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Line of Credit Rates
| Line of Credit | APR as Low as1 |
|---|---|
| Line of Credit | 13.24% |
1APR = Annual Percentage Rate. Rates effective as of October 4, 2024 and subject to change without notice.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.
Join Wings today!
Here, you're not just a number in the system. You're a member-owner in one of the country's top credit unions. Wings is a not-for-profit institution dedicated to helping members get ahead with money-saving services and real-life money skills. Take the next step – join the Wings family.