|
ADDRESS
9053
Harlan St. Suite 10 Westminster, CO 80031
HOURS OF OPERATION
MEMBER SERVICES
| Main |
303-427-6466 |
| Phone24 |
844-315-7626 |
| Fax |
303-427-5116 |
|
|
2023 HOLIDAY CLOSURES
| New Year's Day |
| Monday, January 2 |
| MLK Birthday |
| Monday, January 16 |
| Presidents Day |
| Monday, February 20 |
| Memorial Day |
| Monday, May 29 |
| Juneteenth |
| Monday, June 19 |
| Independence Day |
| Tuesday, July 4 |
| Labor Day |
| Monday, September 4 |
| Columbus Day/Indigenous Peoples' Day |
| Monday, October 9 |
| Thanksgiving Day |
| Thursday, November 23 |
| Post Thanksgiving |
| Friday, November 24 |
| Christmas Day |
| Monday, December 25 |
| New Year's Day, 2024 |
| Monday, January 1 |
Effective January 1, 2023
|
| Fee
Schedule - Click
Here
to view fees and charges |
Real Estate Loans
|
Type of Loan
|
Term
of Loan
|
APR
|
Amount
Financed
|
| First
Mortgage |
Terms
Vary |
Rates
change daily, so please call Westminster FCU. |
Up
to 100%, depending on loan |
|
Home
Equity
|
36
Months
|
As low as 3.89%
|
Up
to 95% equity
|
|
Home
Equity
|
60
Months
|
As
low as 4.19%
|
Up
to 95% equity
|
|
Home
Equity
|
72
Months
|
As
low as 4.69%
|
Up
to 95% equity
|
|
Home
Equity
|
120
Months
|
As low as 5.39%
|
Up
to 95% equity
|
|
Home
Equity
|
180
Months
|
As low as 5.99%
|
Up
to 90% equity
|
|
|
Up to 120
Months
|
As low as 3.94%
|
Up
to 75% equity with a maximum of $200,000
|
|
|
Up to 180
Months
|
As low as 4.49%
|
Up
to 75% equity with a maximum of $200,000
|
|
|
Up to 240
Months
|
As low as 4.94%
|
Up
to 75% equity with a maximum of $200,000
|
|
All
real estate loans require completed loan application
and approved credit. Annual Percentage Rate is accurate
as of publication date and is subject to change. Some
restrictions may apply.
|
Auto Loans
|
Type of Loan
|
Term
of Loan
|
APR
|
Amount
Financed
|
| New or Used
Auto |
Up
to 60 Months |
As
low as 6.49% |
100%,
including taxes and insurance |
|
New or Used Auto
|
61 to 72 Months
|
As
low as 6.99%
|
100%,
including taxes and insurance
|
|
New or Used Auto
|
73 to 84 Months
|
As
low as 7.99%
|
100%,
including taxes and insurance
|
|
All
auto loans require completed loan application and
approved credit. Annual Percentage Rate is accurate
as of publication date and is subject to change. Some
restrictions may apply.
|
Recreational Loans - RVs, Boats, ATVs, etc.
|
Type of Loan
|
Term
of Loan
|
APR
|
Amount
Financed
|
| New or Used
RV |
60
to 84 Months |
As
low as 7.74% |
100%,
including taxes and insurance |
|
All
recreational loans require completed loan application
and approved credit. Annual Percentage Rate is accurate
as of publication date and is subject to change. Some
restrictions may apply.
|
Other Consumer Loans
|
Type of Loan
|
Term
of Loan
|
APR
|
Amount
Financed
|
| Signature
Loan |
Up
to 36 Months |
As
low as 10.99% |
$250
- $5,000 |
|
Savings
Secured Loan
|
12
Months
|
Share
APY + 2.25%
|
Loan
amount secured by savings account balanced
|
|
Savings
Secured Loan
|
24
Months
|
Share
APY + 2.50%
|
Loan
amount secured by savings account balance
|
|
Savings
Secured Loan
|
More than 2
Years
|
24 month rate + .50%/year
|
Loan
amount secured by savings account balance
|
|
Certificate
Secured Loan
|
Same
as term of Certificate
|
*Certificate
APY + 2.00%
|
Loan
amount secured by certificate balance
|
|
Overdraft
Line of Credit
|
Open
|
14.99%
|
|
*Add additional .50% per year for CD or Savings secured loans over 2 year term. |
|
Annual
Percentage Yield on Regular Share Savings Account
and Share Certificates are accurate as of publication
date. APY on Regular Share Savings is subject to change
without notice and may change your APR. Annual Percentage
Rate is accurate as of publication date for Overdraft
Line of Credit is accurate as of publication date
and is subject to change.
|
|
All loans require application and
approved credit. The APR and terms for which the member
qualifies will be provided upon approval of completed
loan application.
|
Savings Accounts
|
|
Account
Type
|
Dividend
Rate
|
APY
|
|
Share
Savings
|
.04%
|
.05%
|
|
Holiday/Vacation
|
.05%
|
.06%
|
|
Youth
Savings
|
.05%
|
.06%
|
|
Checking
Account
|
.02%
|
.03%
|
Money Market Accounts
|
|
Minimum
Balance
|
Dividend
Rate
|
APY
|
|
$0-$5,000
|
.59%
|
.60%
|
|
$5,000.01-$10,000
|
.79%
|
.80%
|
|
$10,000.01-$24,999.99
|
.99%
|
1.00%
|
|
$25,000-$49,999.99
|
1.29%
|
1.30%
|
|
$50,000+
|
1.49%
|
1.50%
|
Certificates of Deposit
|
|
Term
|
Dividend
Rate
|
APY
|
|
3
Months
|
.49%
|
.50%
|
|
6
Months
|
.54%
|
.55%
|
|
12
Months
|
1.49%
|
1.50%
|
|
24
Months
|
1.98%
|
2.00%
|
|
36
Months
|
1.98%
|
2.00%
|
|
15
Month Promo*
|
2.96%
|
3.00%
|
|
For
share certificates with terms of 6 months or less,
the minimum balance is $500. The minimum balance is
$1,000 for all share certificates over 6 months.
|
|
*Promo for a limited time. All rates subject to change without notice.
|
Jumbo Certificates of Deposit - $10,000+
|
|
Term
|
Dividend
Rate
|
APY
|
|
12
Months
|
1.49%
|
1.50%
|
|
36
Months
|
1.98%
|
2.00%
|
IRA Savings Accounts
|
|
Account
Type
|
Dividend
Rate
|
APY
|
|
Traditional
IRA
|
.29%
|
.30%
|
|
Roth
IRA
|
.29%
|
.30%
|
|
Education
IRA
|
.34%
|
.35%
|
|
HSA
IRA
|
.34%
|
.35%
|
IRA Certificates of Deposit - Traditional & Roth
|
|
Term
|
Dividend
Rate
|
APY
|
|
1
Year
|
1.29%
|
1.30%
|
|
2
Year
|
1.29%
|
1.30%
|
|
3
Year
|
1.39%
|
1.40%
|
|
5
Year
|
1.49%
|
1.50%
|
| |
|
Annual
Percentage Yields are accurate as of publication date
and are subject to change without notice. Account
fees may affect earnings. There is a 180-Day Penalty
for early withdrawal of Certificates of Deposit. For
Youth Savings accounts dividends are compounded daily
and credited monthly. On all other accounts dividends
are compounded daily and credited quarterly. The dividend
period begins on the first calendar day of the period
and ends on the last calendar day of the period. Additional
deposits are not allowed on Share Certificates, Jumbo
Certificates and IRA Share Certificates.
|
| |
-
Please
call or write Westminster FCU if you have any questions
of require additional information.
-
If you feel there is an error in your credit report,
you may request a free copy from the Credit Bureau.
(Ask our loan department for the credit bureau's phone
number.)
-
The
Credit Union Privacy Policy is located on the Services
page
| Fee
Schedule - Click
Here
to view fees and charges |
|
|
|
