Rates
Rates Effective – January 1, 2020
Account Rate APY*
Share 0.15% 0.15%
Holiday Savers Club 0.25% 0.25%
Special 0.15% 0.15%
SaveUp+ Savings 3.00% 3.04%
Share Draft Checking 0.05% 0.05%
*APY = annual percentage yield

Certificates

Term Rates APY
6 Months 1.00% 1.00%
9 Month Add-on**** 1.40% 1.41%
12 Months 1.80% 1.81%
18 Months 1.70% 1.71%
24 Months 1.60% 1.61%
36 Months 1.50% 1.51%
Please be aware that there is a minimum amount of $500.00 for 6, 12, 18, 24, and 36 month certificates.
(The minimum balance for the NEW 9 Month Add-On Certificate is $100.00).
*This is a promotional offer in honor of WSSC’s 100th. Limited time offer.
LOANS(Stated rates included any current loan promotions.) Rates as low as
Holiday365 — Maximum $2,000 per member. 6 to 12 Month Terms. 18.00% (with a 1.50% discount for payment by Payroll or ACH) 17.50%**
Signature — Maximum $15,000 per member. Terms up to 60 months.  9.25%**
VISA Platinum Credit Card — $500 to $10,000. A Secured Card option is available. Limited time Introductory Rate of 4.49% for the first twelve billing cycles. 10.65%**
Overdraft Protection – Maximum $3,000. 11.25%**
**Line-of-Credit – Maximum $15,000 (Minimum advance $500.00). 10.75%**
Share/Certificate Secured – Up to amount on deposit. Terms up to 144 months. 2.00% above share rate used for security
Auto Loans — Maximum 110% of retail value in the NADA used car guide. Terms up to 7 years (84 months). — Pre-approved auto loans are available! 2.49%** New 36 Months
2.74%** New 48 Months
3.24%** New 60 Months
3.99%** New 72 Months
4.49%** New 84 Months
3.49%** Used 36 Months
3.74%** Used 48 Months
4.24%** Used 60 Months
4.99%** Used 72 Months
5.49%** Used 84 Months
Motorcycle Loan — 100% of MSRP, new Motorcycles only. 48 month 2.74% – 60 month 3.24%**
Credit Builder — Helps build credit history. $5,000 maximum Up to 24 Months. 6.75%**
Home Improvement Loan — Minimum $7,500/Maximum $25,000. Terms up to 120 Months. 5.25%**
Home Equity Line of Credit — Minimum $15,000/Maximum $100,000. **
**Offered on properties located in Maryland only. For further details and an application call 240-630-3922.		 4.75%**

*APR = annual percentage rate.
*Rates are subject to change without notice. Qualifications apply.
**Includes discount of 0.50% for payment by Payroll deduction or ACH.
***Restrictions Ahttps://www.wsscfcu.org/wp-admin/upload.phppply.

Full Rate Sheet