Westminster Federal Credit Union

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ADDRESS

9053 Harlan St. Suite 10 Westminster, CO 80031

 

HOURS OF OPERATION
Monday - Friday
9:00 am to 5:00 pm

 

MEMBER SERVICES  

Main 303-427-6466
Phone24 855-715-2094
Fax 303-427-5116

shared branching
shared branching
Zip

2014 HOLIDAY CLOSURES
New Year's Day
Wednesday, January 1
MLK Birthday
Monday, January 20
Presidents Day
Monday, February 17
Memorial Day
Monday, May 26
Independence Day
Friday, July 4
Labor Day
Monday, September 1
Columbus Day
Monday, October 13
Thanksgiving Day
Thursday, November 27
Post Thanksgiving
Friday, November 28
Christmas Day
Thursday, December 25
New Year's Day, 2015
Thursday, January 1
Rates   rates

      Rates
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Effective October 10, 2014

Real Estate Loans

Type of Loan

Term of Loan

APR

Amount Financed

First Mortgage Terms Vary Rates change daily, so please call Westminster FCU. Up to 100%, depending on loan
Home Equity
36 Months
As low as 3.49%
Up to 90% equity
Home Equity
60 Months
As low as 3.89%
Up to 90% equity
Home Equity
72 Months
As low as 4.49%
Up to 90% equity
Home Equity
120 Months
As low as 5.49%
Up to 90% equity
Home Equity
180 Months
As low as 6.24%
Up to 90% equity
All real estate loans require completed loan application and approved credit. Annual Percentage Rate is accurate as of publication date and is subject to change. Some restrictions may apply.

Auto Loans

Type of Loan

Term of Loan

APR

Amount Financed

New Auto Up to 84 Months As low as 2.99% 100%, including taxes and insurance
Used Auto (2012-2013)
Up to 48 Months
As low as 3.99%
100%, including taxes and insurance
Used Auto (2007-2011)
Up to 60 Months
As low as 4.49%
100%, including taxes and insurance
Used Auto (2006 & Older)
Up to 48 Months
As low as 4.99%
100%, including taxes and insurance
All auto loans require completed loan application and approved credit. Annual Percentage Rate is accurate as of publication date and is subject to change. Some restrictions may apply.

Recreational Loans - RVs, Boats, ATVs, etc.

Type of Loan

Term of Loan

APR

Amount Financed

New Up to 84 Months As low as 3.99% 100%, including taxes and insurance
Used (1 Yr Old)
Up to 48 Months
As low as 4.99%
100%, including taxes and insurance
Used (2 Yrs - 6 Yrs)
Up to 48 Months
As low as 5.49%
100%, including taxes and insurance
Used (7 Yrs & Older)
Up to 48 Months
As low as 5.99%
100%, including taxes and insurance
All recreational loans require completed loan application and approved credit. Annual Percentage Rate is accurate as of publication date and is subject to change. Some restrictions may apply.

Other Consumer Loans

Type of Loan

Term of Loan

APR

Amount Financed

Signature Loan Up to 36 Months As low as 10.99% $250 - $5,000
Savings Secured Loan
12 Months
Share APY + 2.00%
Loan amount secured by savings account balanced
Savings Secured Loan
24 Months
Share APY + 2.50%
Loan amount secured by savings account balance
Savings Secured Loan
More than 2 Years
24 month rate + .50%/year
Loan amount secured by savings account balance
Certificate Secured Loan
Same as term of Certificate
*Certificate APY + 2.00%
Loan amount secured by certificate balance
Overdraft Line of Credit
Open
14.99%
*Add additional .50% per year for CD or Savings secured loans over 2 year term.
Annual Percentage Yield on Regular Share Savings Account and Share Certificates are accurate as of publication date. APY on Regular Share Savings is subject to change without notice and may change your APR. Annual Percentage Rate is accurate as of publication date for Overdraft Line of Credit is accurate as of publication date and is subject to change.
All loans require application and approved credit. The APR and terms for which the member qualifies will be provided upon approval of completed loan application.

Savings Accounts

Account Type

Dividend Rate

APY

Share Savings
.05%
.05%
Christmas/Vacation
.07%
.07%
Youth Savings
.07%
.07%
Checking Account
.05%
.05%

Money Market Accounts

Minimum Balance

Dividend Rate

APY

$0-$5,000
.09%
.10%
$5,000.01-$10,000
.10%
.11%
$10,000.01-$24,999.99
.10%
.11%
$25,000-$49,999.99
.11%
.12%
$50,000+
.14%
.15%

Certificates of Deposit

Term

Dividend Rate

APY

3 Months
.14%
.15%
6 Months
.24%
.25%
12 Months
.49%
.50%
24 Months
.54%
.55%
36 Months
.79%
.80%
For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Jumbo Certificates of Deposit - $10,000+

Term

Dividend Rate

APY

12 Months
.54%
.55%
36 Months
.84%
.85%

IRA Savings Accounts

Account Type

Dividend Rate

APY

Traditional IRA
.19%
.20%
Roth IRA
.19%
.20%
Education IRA
.24%
.25%

IRA Certificates of Deposit - Traditional & Roth

Term

Dividend Rate

APY

1 Year
.54%
.55%
2 Year
.64%
.65%
3 Year
.89%
.90%
5 Year
1.49%
1.50%

 
Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Account fees may affect earnings. There is a 180-Day Penalty for early withdrawal of Certificates of Deposit. For Youth Savings accounts dividends are compounded daily and credited monthly. On all other accounts dividends are compounded daily and credited quarterly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Additional deposits are not allowed on Share Certificates, Jumbo Certificates and IRA Share Certificates.
 
  • Please call or write Westminster FCU if you have any questions of require additional information.
  • If you feel there is an error in your credit report, you may request a free copy from the Credit Bureau. (Ask our loan department for the credit bureau's phone number.)
  • The Credit Union Privacy Policy is located on the Services page
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