Rates

Loan Rates

Auto Loans

  • 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

Savings

  • Regular Share

    $25.00 Minimum Balance

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

    $25.00 Minimum Balance

    Annual Percentage Yield*:
    .10%
  • Holiday Share

    No Minimum Balance

    Annual Percentage Yield*:
    .10%
  • Business Share

    $25 Minimum Balance

    Annual Percentage Yield*:
    Non-Interest Bearing

Checking

  • Premier Checking

    $500 Minimum Balance

    Annual Percentage Yield*:
    .05%
    Annual Percentage Yield*
  • Elite Checking

    $2,500 Minimum Balance

    Annual Percentage Yield*:
    .10%
  • Basic Checking

    No Minimum Balance

    Annual Percentage Yield*:
    Non-Interest Balance

IRA

For IRA Certificate rates see Share Certificate rates below.

  • $25 Minimum Balance

    Annual Percentage Yield*:
    .40%
    Annual Percentage Yield*

Money Market

  • $2,500.00-$9,999.99 Minimum Balance

    Annual Percentage Yield*:
    .20%
    Annual Percentage Yield*
  • $10,000.00-$24,999.99 Minimum Balance

    Annual Percentage Yield*:
    .25%
  • $25,000.00-$49,999.99 Minimum Balance

    Annual Percentage Yield*:
    .30%
  • $50,000.00 and Above Minimum Balance

    Annual Percentage Yield*:
    .35%

Regular CDs and IRA CDs

  • 12 Month

    $1,000 Minimum Balance

    Annual Percentage Yield*:
    .25%
    Annual Percentage Yield*
  • 24 Months

    $1,000 Minimum Balance

    Annual Percentage Yield*:
    1.00%
  • 36 Months

    $1,000 Minimum Balance

    Annual Percentage Yield*:
    1.25%