Rates

Loan Rates

Auto / Motorcycle

  • 2009 and newer

    Up to 72 months

    Interest Rate:
    APR as low as 2.74%*
    Interest Rate
  • 2008 and Older

    Up to 48 months

    Interest Rate:
    As low as 3.24%*

Recreational Loans

  • 2009 and newer

    Up to 72 months

    Interest Rate:
    As low as 3.74%*
    Interest Rate
  • 2008 and Older

    Up to 48 months

    Interest Rate:
    As low as 4.24%*

*APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for an automatic payment from an active West Financial Checking Account. Rates are subject to change without notice.

Personal Loan / Line of Credit / Overdraft Protection**

  • Signature / Personal Loan / Line of Credit**

    Interest Rate:
    APR as low as 8.90%*
    Details:
    Up to $10,000 for 60 months. Rate is dependent on credit score.
    Interest Rate
    Details

Home Equity Line of Credit**

  • 80% LTV

    Home Equity Line of Credit

    Rate:
    As low as 4.75%
    Details:
    Variable Rate, 15 Year Repayment. Rate is Prime plus or minus a margin which is determined by credit history and amount of equity in the home.
    Rate
    Details
  • 90% LTV

    Home Equity Line of Credit

    Rate:
    As low as 7.75%
    Details:
    Variable Rate, 15 Year Repayment. Rate is Prime plus or minus a margin which is determined by credit history and amount of equity in the home.

Home Equity Fixed Rate**

  • Home Equity Fixed Rate**

    5 to 15 year terms available

    Yes, we do home equity loans on rental and vacation properties!

    Interest Rates:
    As low as 3.99%
    Details:
    Ask your loan officer for details.
    Interest Rates
    Details

5 & 7 Year Balloon**

  • 5 & 7 Year Balloon**

    Loans with 30 year amortization available, as well!

    Interest Rates:
    As low as 5.99%
    Interest Rates

Share / Certificate Secured Loan**

  • Certificate Secured

    Interest Rates:
    1.75% above dividend rate paid
    Details:
    Open flexible terms available. Rate is variable depending on the dividend rate and return.
    Interest Rates
    Details
  • Share Secured

    Interest Rates:
    1.99%
    Details:
    Open flexible terms available.

**Rates are based on credit worthiness and follow merit based lending principles. See your loan officer for full disclosure of terms and addendum.

All rates are subject to change without notice. Last updated 4/20/2018.

Savings Rates

Share Savings

  • Youth Accounts

    $25.00 +

    Annual Percentage Yield*:
    .10%
    Annual Percentage Yield*
  • Regular Share

    $25 minimum balance

    Annual Percentage Yield*:
    .10%
  • Holiday Account

    Annual Percentage Yield*:
    .10%

Share Draft (Checking)

  • Non-Interest Bearing

    Annual Percentage Yield*:
    0%
    Annual Percentage Yield*
  • Premier

    Annual Percentage Yield*:
    .05%
  • Elite

    Annual Percentage Yield*:
    .10%

IRA (all)

For IRA Certificate rates, see 12 and 24 month Share Certificate rates further down the page.

  • $25 Min.
    Balance

    Annual Percentage Yield*:
    .20%
    Annual Percentage Yield*
  • $3,000 Min.
    Balance

    Annual Percentage Yield*:
    .20%
  • $10,000 Min.
    Balance

    Annual Percentage Yield*:
    .20%
  • $50,000 Min.
    Balance

    Annual Percentage Yield*:
    .20%

Money Market

  • $2,500 - $9,999

    Annual Percentage Yield*:
    .20%
    Annual Percentage Yield*
  • $10,000 - $24,999

    Annual Percentage Yield*:
    .20%
  • $25,000 - $49,999

    Annual Percentage Yield*:
    .20%
  • $50,000 +

    Annual Percentage Yield*:
    .20%

12 Month Share Certificates and IRA Certificates

  • $1,000 Min. Deposit

    12 months

    Annual Percentage Yield*:
    .25%
    Annual Percentage Yield*
  • $2,500 Min. Deposit

    12 months

    Annual Percentage Yield*:
    .30%
  • $10,000 Min. Deposit

    12 months

    Annual Percentage Yield*:
    .35%

24 Month Share Certificates and IRA Certificates

  • $2,500 Min. Deposit

    24 months

    Annual Percentage Yield*:
    .45%
    Annual Percentage Yield*
  • $10,000 Min. Deposit

    24 months

    Annual Percentage Yield*:
    050% *.501 APY

36 Month Share Certificates and IRA Certificates

  • $2,500 Min. Deposit

    36 months

    Annual Percentage Yield*:
    .60%
    Annual Percentage Yield*
  • $10,000 Min. Deposit

    36 months

    Annual Percentage Yield*:
    .65% *.654 APY