Rates
Working hard to get you the best rates possible!
Loan Rates
Effective 03/22/2024
Rates are always subject to change without notice, as determined by our Board of Directors.
Wisconsin Medical Credit Union has adopted a “merit-based” system for determining rates. This means that the better your credit experience, the lower your rate. Unless otherwise noted, the rates listed below are the best available. All loans are subject to credit approval.
Apply for a Loan
At Wisconsin Medical Credit Union, we understand that every person is unique and everyone has a different financial situation. We listen and consider your story. Maybe you’ve had financial difficulties and are working to get back on track? Maybe you're looking for a way to increase your usable money? We’ll work to find you the best options available.
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New - 2023
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 6.74% APR* $23.83 4 years 6.74% APR* $19.68 5 years 7.24% APR* $17.17 6 years 7.99% APR* $15.59 7 years 2022- 2021
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 6.74% APR* $23.83 4 years 6.74% APR* $19.68 5 years 7.24% APR* $17.17 6 years 2020 - 2019
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 6.74% APR* $23.83 4 years 6.74% APR* $19.68 5 years 7.24% APR* $17.17 6 years 2018 - 2017
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 6.74% APR* $23.83 4 years 6.74% APR* $19.68 5 years 2016 - 2015
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 7.24% APR* $24.06 4 year 2014 - 2013
Auto Pay Monthly Payment
per $1000 BorrowedTerm 6.74% APR* $30.77 Up to 3 years 7.24% APR* $24.06 4 year 2012 & Older
Auto Pay Monthly Payment
per $1000 BorrowedTerm 7.49% APR* $31.11 Up to 3 years 7.79% APR* $24.32 4 year
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Auto Pay Monthly Payment
per $1000 BorrowedTerm 8.24% APR* $45.34 2 years fixed 8.24% APR* $31.45 3 years fixed 8.24% APR* $24.53 4 years fixed 8.74% APR* $20.64 5 years fixed 9.74% APR* $18.40 6 years fixed
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Savings-Secured Loans Secured by Share Account Current Rate + 2.50% Must be WMCU funds & in account for at least 30 days prior Secured by Share Certificate Current Rate + 2.50% Must be WMCU funds & in account for at least 30 days prior
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Unsecured
Auto Pay Monthly Payment
per $1000 BorrowedTerm 10.99% APR* $46.61 2 years fixed 10.99% APR* $32.74 3 years fixed 11.99% APR* $26.34 4 years fixed 11.99% APR* $22.25 5 years fixed Kwik Cash
Auto Pay Monthly Payment
per $1000 BorrowedTerm 15.00% APR* $90.29 Variable
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We offer a wide range of mortgage products beyond those listed here. Please ask us for more details.
First Mortgage Loans Rate Monthly Payment
per $1000 BorrowedTerm 7-year ARM 6.25% APR* $6.16 Up to 30 years; rate variable after 7 years; up to 80% of appraised value 7-year fixed 6.25% APR* $14.73 Up to 7 years fixed, loan amount up to 80% of appraised value
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Home Equity Loans Auto Pay Monthly Payment
per $1000 BorrowedTerm 7-year ARM 6.75% APR* $6.49 Up to 30 years; rate variable after 7 years; up to 80% of appraised value 7-year ARM N/A APR* Up to 30 years; rate variable after 7 years; up to 81 - 90% of appraised value 7-year fixed 6.75% APR* $14.98 Up to 7 years fixed, up to 80% of appraised value 7-year fixed N/A APR* Up to 7 years fixed, 81-90% of appraised value
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Home Equity Line of Credit Auto Pay Term Up to 80% LTV Prime 80% LTV, 7-yr draw period, variable. Up to 90% LTV Prime +1.00% 90% LTV, 5-yr draw period,variable, Min. draw $1,000
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Land Lots Auto Pay Monthly Payment
per $1000 BorrowedTerm 7-year Fixed 7.50% APR* $7.00 7 years, Up to 80% of Appraised Value 7-year ARM 7.50% APR* $15.35 15 years variable, Up to 80% of Appraised Value
Savings
Effective 01/19/2024
Rates are always subject to change without notice, as determined by our Board of Directors.
Use the calculator below to see what your earnings will be over time.
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Flexible Money Market*** Rate High APY $2,500 - $14,999.99 0.50% 0.50% $15,000.00 - $24,999.99 1.00% 0.70% $25,000.00 - $49,999.99 1.75% 1.23% $50,000 + 1.75% 1.76% Direct Money Market**** Rate High APY $1,000 - $2,499.99 0.30% 0.30% $2,500 - $14,999.99 0.50% 0.50% $15,000.00 - $24,999.99 1.00% 0.70% $25,000.00 - $49,999.99 1.75% 1.23% $50,000 + 1.75% 1.76% ***Minimum to open and maintain Flexible Money Market $2,500. Minimum to earn dividend is $2,500. APY reflects a tiered dividend average based on maximum balance to achieve a tier rate.
****Direct Money Market requires direct deposit into account. Minimum balance to open and maintain account is $1,000. Minimum to earn dividend is $1,000. APY reflects a tiered dividend average based on maximum balance to achieve a tier rate.
Apply for a Loan
At Wisconsin Medical Credit Union, we understand that every person is unique and everyone has a different financial situation. We listen and consider your story. Maybe you’ve had financial difficulties and are working to get back on track? Maybe you're looking for a way to increase your usable money? We’ll work to find you the best options available.
Apply Now!