Real Estate Rates

WRCU does offer Home Equity Loans and Lines of Credit on mobile homes. However, the maximum LTV offered for these properties is 80%. Details

Fixed Rate Home Equity Loan

Rates effective as of May 28, 2020

Rate DescriptionTermAPR
50% LTV5 YearsAs low as 2.15%
50% LTV10 YearsAs low as 3.05%
50% LTV12 YearsAs low as 3.31%
50% LTV15 YearsAs low as 3.70%
80% LTV5 YearsAs low as 2.95%
80% LTV10 YearsAs low as 3.85%
80% LTV12 YearsAs low as 4.11%
80% LTV15 YearsAs low as 4.50%
90% LTV5 YearsAs low as 3.95%
90% LTV10 YearsAs low as 4.85%
90% LTV12 YearsAs low as 5.11%
90% LTV15 YearsAs low as 5.50%

Home Equity Line of Credit - Variable Rate

Prime Rate = The "Prime" rate as published in the Wall Street Journal under the "Money Rate" section.  The current "Index" rate is determined by using the "Index" rate published on or most recently prior to, ten days before the change date. If more than one rate is published, the index will be the higher published rate.

Rate DescriptionTermAPR
50% LTV

10 yr draw, then 15 yr payback period.

*The APR will not go below 4.00%, our floor rate, at any time during the term of the plan.

15 YearsAs low as Prime Rate minus 1.00%*
80% LTV

10 yr draw, then 15 yr payback period.

*The APR will not go below 4.00%, our floor rate, at any time during the term of the plan.

15 YearsAs low as Prime Rate minus .50%*
90% LTV

10 yr draw, then 15 yr payback period.

*The APR will not go below 4.00%, our floor rate, at any time during the term of the plan.

15 YearsAs low as Prime Rate plus 1.00%*

1st Mortgage Loan Rates

Please see our First Mortgages page for details

LTV = Loan to Value

APR = Annual Percentage Rate