Current Rates

Important Disclosures

Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.

Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.

Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.

Smart Refi Mortgage – This loan has a $450 origination fee and requires that this loan is in first lien position with a maximum loan amount of $300,000. Rates and APRs (Annual Percentage Rate) listed above factors in the $450 origination fee on a loan amount of $300,000, 750 credit score on an owner-occupied property at 80% LTV (Loan to Value) for the purpose of refinancing an existing mortgage on the property or cash out for home improvement purposes only. Loan proceeds for any other purpose will result in .50% rate increase, for LTVs over 70% or credit score under 700. This product is limited to 1–4-unit, owner-occupied homes not listed for sale located in CT or RI with a minimum loan amount of $25,000 and 80% maximum LTV. For loan amounts of $200,000 or more; a full appraisal will be required at the borrower’s expense.

Smart HELOC – This loan has no origination fee, can be in first or second lien position, and features an introductory fixed rate for the first 12 months. The introductory rate applies only during the introductory period. After the introductory rate period ends, the rate will be variable for the remaining life of the loan. APR (Annual Percentage Rate) corresponding to the periodic rate and the minimum payment may change as a result. Your actual HELOC (Home Equity Line of Credit) rate and APR will be based upon your credit score and other factors, which will determine how your rate is related to the prime rate. The offset to the prime rate (“margin”) is as low as prime -.50% with an interest rate floor of 4.00% and an interest rate ceiling of 18%, meaning the rate will never go below 4% and will never go higher than 18%. This loan features a 10-year draw period and 15- year repayment period if any balances are owed at the end of the draw period. Payment options include interest only or principal and interest payments during the draw period and change to principal and interest payments during the repayment period. Rate and APR listed above are factors in a $250,000 loan amount, 750 credit score on an owner-occupied property at 80% LTV. This product is limited to 1–4-unit, owner occupied properties not listed for sale located in CT or RI with a minimum loan amount of $15,000, maximum loan amount of $250,000, and 80% maximum LTV . For loan amounts of $200,000 or more; a full appraisal will be required at the borrower’s expense. This product is also limited to new HELOCs only-cannot be used to refinance an existing HELOC with Waypoint Federal Credit Union, and requires a minimum draw at closing in the amount of $15,000.

Fixed Rate Home Equity Loan – This loan has no origination fee and can be in first or second lien position with a maximum loan amount of $250,000. Rates and APRs (Annual Percentage Rate) listed above factors in a $250,000 loan amount, 750 credit score on an owner-occupied property at 80% LTV (Loan to Value) for the purpose of refinancing an existing mortgage on the property or cash out for home improvement purposes only. Loan proceeds for any other purpose will result in a 1.00% rate increase, for LTVs over 70% or credit score under 700. This product is limited to 1–4-unit properties not listed for sale located in CT or RI with a minimum loan amount of $10,000. For loan amounts of $200,000 or more; a full appraisal will be required at the borrower’s expense. Additional LTV and occupancy options available- restrictions apply.

HELOC – This variable rate loan has no origination fee, can be in first or second lien position, and features a 10- year draw period and 15-year repayment period if any balances are owed at the end of the draw period. This loan has a variable rate feature for the life of the loan and the APR(Annual Percentage Rate) corresponding to the periodic rate and the minimum payment may change as a result. Your actual HELOC (Home Equity Line of Credit) rate will be based upon your credit score and other factors, which will determine how your rate is related to the prime rate. The offset to the prime rate (“margin”) is as low as prime -.50% with an interest rate floor of 4.00% and rate ceiling of 18%, meaning the rate will never go below 4% and will never go higher than 18%. Payment options include interest only or principal and interest payments during the draw period and change to principal and interest payments during repayment period. Rates and APRs listed above factors in a $250,000 loan amount, 750 credit score on an owner-occupied property at 80% LTV. This product is limited to 1–4-unit properties not presently listed for sale located in CT or RI with a minimum loan amount of $10,000 and a maximum loan amount of $250,000. For loan amounts of $200,000 or more; a full appraisal is required at the borrower’s expense. Additional LTV and occupancy options available- restrictions apply.

Auto loan payment example: for a loan amount of $25,000 with an APR of 5.49% over a term of 66 months, the estimated monthly payment would be $439.71.

Motorcycle and powersport payment example: for a loan amount of $25,000 with an APR of 7.49% over a term of 66 months, the estimated monthly payment would be $463.31.

Recreational vehicle payment example: for a loan amount of $25,000 with an APR of 7.99% over a term of 72 months, the estimated monthly payment would be $438.21.

Personal Loan Payment Example: For a loan amount of $5,000.00 with an Annual Percentage Rate (APR) of 9.49% over a term of 12 months, the estimated monthly payment would be $438.39. Applicants consolidating debt add 1.00% to the personal loan base rate, not to exceed 17.99%.