Rates

Working hard to get you the best rates possible!

Loan Rates

Effective 2/4/2025

Rates are always subject to change without notice, as determined by our Board of Directors.

Wisconsin Medical Credit Union has adopted a “merit-based” system for determining rates. This means that the better your credit experience, the lower your rate. Unless otherwise noted, the rates listed below are the best available. All loans are subject to credit approval.

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At Wisconsin Medical Credit Union, we understand that every person is unique and everyone has a different financial situation. We listen and consider your story. Maybe you’ve had financial difficulties and are working to get back on track? Maybe you're looking for a way to increase your usable money? We’ll work to find you the best options available.

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  New - 2024

      Auto Pay
      Monthly Payment 
 
per $1000 Borrowed
      Term
      
      4.99% APR*
      $29.96
      Up to 3 years
      
      4.99% APR*
      $23.03
      4 years
      
      4.99% APR*
       $18.87
      5 years
     
      5.50% APR*
      $16.34
      6 years
      
      6.00% APR*
       $14.61
      7 years

2023- 2022

    
        Auto Pay
        Monthly Payment 
 per $1000 Borrowed
        Term
        
        4.99% APR*
        $29.96
        Up to 3 years
        
        4.99% APR*
         $23.03
        4 years
       
        4.99% APR*
        $18.87
        5 years
        
        5.50% APR*
         $16.34
        6 years

2021 - 2020

    
        Auto Pay
        Monthly Payment 
per $1000 Borrowed
        Term
        
        4.99% APR*
        $29.96
        Up to 3 years
        
        4.99% APR*
        $23.03
        4 years
        
        4.99% APR*
        $18.87
         5 years
        
        5.50% APR*
        $16.34
        
        6 years

2019 - 2018

    
        Auto Pay
         Monthly Payment 
 per $1000 Borrowed
        Term
       
        4.99% APR*
        $29.96
        Up to 3 years
        
        4.99% APR*
        $23.03
        4 years
        
        4.99% APR*
         $18.87
        5 years

2017 - 2016

    
        Auto Pay
          Monthly Payment 
per $1000 Borrowed
        Term
      
        5.4% APR*
        $30.24
        Up to 3 years
        
        5.5% APR*
        $23.35
          4 year

2015 - 2014

    
        Auto Pay
        Monthly Payment 
 per $1000 Borrowed
        Term
        
        6.10% APR*
        $30.47
        Up to 3 years
        
        6.50% APR*
        $23.72
        4 year

2013 & Older

    
        Auto Pay
        Monthly Payment 
 per $1000 Borrowed
        Term
       
        6.99% APR*
        $30.88
        Up to 3 years
        
        7.49% APR*
         $24.18
        4 year

    
        Auto Pay
        Monthly Payment 
per $1000 Borrowed
        Term
        
        6.69% APR*
        $44.64
         2 years fixed
        
        6.69% APR*
        $30.74
        3 years fixed
        
        6.69% APR*
          $23.81
        4 years fixed
      
        6.79% APR*
        $19.71
         5 years fixed
        
        7.29% APR*
        $17.19
        6 years fixed

    
        Savings-Secured Loans
    
        Secured by Share Account 
        Current Rate + 2.50%
        Must be WMCU funds & in account for at least 30 days prior
      
        Secured by Share Certificate
        Current Rate + 2.50%
        Must be WMCU funds & in account for at least 30 days prior

Unsecured

    
        Auto Pay
        Monthly Payment 
per $1000 Borrowed
        Term
        
        10.99% APR*
        $46.61
        
        2 years fixed
        
        10.99% APR*
        $32.74
         3 years fixed
        
        11.99% APR*
         $26.34
         4 years fixed
       
        11.99% APR*
          $22.25
        5 years fixed

Kwik Cash

    
        Auto Pay
        Monthly Payment 
per $1000 Borrowed 
        Term
        
        15.00% APR*
        $90.29
        Variable

We offer a wide range of mortgage products beyond those listed here. Please ask us for more details.

    
        First Mortgage Loans
        Rate
        Monthly Payment 
per $1000 Borrowed
        Term
        

        7-year ARM 
        6.00% APR*
        $6.00
        Up to 30 years; rate variable after 7 years; up to 80% of appraised value
      

        7-year fixed
        6.00% APR*
        $14.61
        Up to 7 years fixed, loan amount up to 80% of appraised value 
      

  

    
        Home Equity Loans
        Auto Pay
        Monthly Payment 
per $1000 Borrowed
        Term
        
        7-year ARM 
        6.75% APR*
        $6.49
        Up to 30 years; rate variable after 7 years; up to 80% of appraised value
      
        7-year ARM
        N/A APR*
        
        Up to 30 years; rate variable after 7 years; up to 81 - 90% of appraised value
      
        7-year fixed
        6.75% APR*
        $14.98
        
        Up to 7 years fixed, up to 80% of appraised value
      
        7-year fixed
        N/A APR*
        
        Up to 7 years fixed, 81-90% of appraised value

    
        Home Equity Line of Credit
        Auto Pay
        
        Term
        
        Up to 80% LTV
        Prime
       
        80% LTV, 7-yr draw period, variable.
      
        Up to 90% LTV
        Prime +1.00%
        
        90% LTV, 5-yr draw period,variable, Min. draw $1,000

    
        Land Lots
        Auto Pay
        Monthly Payment 
 per $1000 Borrowed
        Term
        

        7-year Fixed
        7.00% APR*
        $15.10
        
        7 years, Up to 80% of Appraised Value
      
7-year ARM
        7.00% APR*
        $9.00
          
        
        15 years variable, Up to 80% of Appraised Value
  

Savings

Effective 02/20/2025

Rates are always subject to change without notice, as determined by our Board of Directors.

Use the calculator below to see what your earnings will be over time.

Future Value Calculator

    
        Share and Club Accounts
        Rate
        APY**
        Terms
        

        Regular Share (Savings)
        0.30%
        0.300%
        Minimum balance $25
      

        IRA Share (Savings)
        0.10%
        0.100%
        Minimum to earn dividend $100.
      

        Christmas Club
        0.30%
        0.300%
        Minimum to open, $5, minimum to earn dividend $100.
      

        Tax Club (Voluntary)
        0.30%
        0.300%
        Minimum to open, $5, minimum to earn dividend $100.
      

        Vacation Club
        0.10%
        0.100%
        Minimum to open, $5, minimum to earn dividend $100.
      

        Piggy Bank Club (For Children)
        0.75%
        0.753%
        Minimum to earn dividend $5.
      

    
        Share/IRA Certificates

        Rate

        APY**

        Terms

        90 Day

        1.90%

        1.91%

        Minimum balance $1,000.00

        180 Day

        2.40%

        2.42%

        Minimum balance $1,000.00

        12 Months

        3.75%

        3.8%

        Minimum balance $1,000.00.

        18 Months

        3.75%

        3.8%

        Minimum balance $1,000.00.

        24 Months

        3.75%

        3.8%

        Minimum balance $1,000.00

        36 Months

        4.0%

        4.06%

        Minimum balance $1,000.00

48 Months

        4.0%

        4.06%

        Minimum balance $1,000.00

60 Months

        4.0%

        4.06%

        Minimum balance $1,000.00

    
        Flexible Money Market***
        Rate
        High APY
      

        $2,500 - $14,999.99
        0.50%
        0.50%
      

        $15,000.00 - $24,999.99 
        1.00%
        0.70%
      

        $25,000.00 - $49,999.99
        1.75%
        1.23%
      

        $50,000 +
        1.75%
        1.76%
      

    
        Direct Money Market****
        Rate
        High APY
      

        $1,000 - $2,499.99
        0.30%
        0.30%
      

        $2,500 - $14,999.99
        0.50%
        0.50%
      

        $15,000.00 - $24,999.99
        1.00%
        0.70%
      

        $25,000.00 - $49,999.99
        1.75%
        1.23%
      

        $50,000 +
        1.75%
        1.76%
      

***Minimum to open and maintain Flexible Money Market $2,500. Minimum to earn dividend is $2,500. APY reflects a tiered dividend average based on maximum balance to achieve a tier rate.

****Direct Money Market requires direct deposit into account. Minimum balance to open and maintain account is $1,000. Minimum to earn dividend is $1,000. APY reflects a tiered dividend average based on maximum balance to achieve a tier rate.

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Rates

Loan Rates

Apply for a Loan

Auto & Titled Recreational Vehicles

New - 2024

2023- 2022

2021 - 2020

2019 - 2018

2017 - 2016

2015 - 2014

2013 & Older

Non-Titled Recreational Vehicles, APR*

Savings Secured

Unsecured Loans

Unsecured

Kwik Cash

First Mortgage

Home Equity Loans

Home Equity Line of Credit

Land Lots

Savings

Share and Club Accounts

Share/IRA Certificates

Money Market Accounts

Apply for a Loan

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Rates

Loan Rates

Apply for a Loan

Auto & Titled Recreational Vehicles

New - 2024

2023- 2022

2021 - 2020

2019 - 2018

2017 - 2016

2015 - 2014

2013 & Older

Non-Titled Recreational Vehicles, APR*

Savings Secured

Unsecured Loans

Unsecured

Kwik Cash

First Mortgage

Home Equity Loans

Home Equity Line of Credit

Land Lots

Savings

Share and Club Accounts

Share/IRA Certificates

Money Market Accounts

Apply for a Loan