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 March 12, 2021

Loan Type Term APR
50% LTV 5 Years As low as
2.10%
50% LTV 10 Years As low as
2.90%
50% LTV 12 Years As low as
3.10%
50% LTV 15 Years As low as
3.40%
80% LTV 5 Years As low as
2.90%
80% LTV 10 Years As low as
3.70%
80% LTV 12 Years As low as
3.90%
80% LTV 15 Years As low as
4.20%
90% LTV 5 Years As low as
3.90%
90% LTV 10 Years As low as
4.70%
90% LTV 12 Years As low as
4.90%
90% LTV 15 Years As low as
5.20%

Home Equity Line of Credit - Variable Rate

Rates effective as of February 1, 2021

Line of Credit Type Term APR
50% LTV 15 Years As low as Prime Rate minus
1.00%*
80% LTV 15 Years As low as Prime Rate minus
0.50%*
90% LTV 15 Years As low as Prime Rate minus
1.00%*

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.

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.

LTV = Loan to Value

APR = Annual percentage rate