Deposit Rates

With a wide variety of account types available WVFSL is sure offer products that meet your needs.Review our Deposit Rate information and as always, let us know if you have any questions.

Checking/Savings Rates

PRODUCTINITIAL DEPOSIT REQUIREMENTRATEAPY*WITH
PRODUCT:
Personal NOW Checking
INITIAL DEPOSIT REQUIREMENT:
$300
RATE:
0.10%
APY*:
0.10%
WITH:
At Least $100 Balance
PRODUCT:
Platinum Checking
INITIAL DEPOSIT REQUIREMENT:
$500
RATE:
0.15%
APY*:
0.15%
WITH:
At Least $100 Balance
PRODUCT:
Hometown Hero Checking
INITIAL DEPOSIT REQUIREMENT:
$0
RATE:
0.12%
APY*:
0.12%
WITH:
At Least $1000 Balance
PRODUCT:
Non-Profit Checking
INITIAL DEPOSIT REQUIREMENT:
$300
RATE:
0.10%
APY*:
0.10%
WITH:
At Least $100 Balance
PRODUCT:
Premium Business Checking
INITIAL DEPOSIT REQUIREMENT:
$100
RATE:
0.05%
APY*:
0.05%
WITH:
At Least $100 Balance
PRODUCT:
Passbook Savings
INITIAL DEPOSIT REQUIREMENT:
$10
RATE:
0.10%
APY*:
0.10%
WITH:
Above $10 Balance
PRODUCT:
Statement Savings
INITIAL DEPOSIT REQUIREMENT:
$10
RATE:
0.50%
APY*:
0.51%
WITH:
Above $10 Balance
PRODUCT:
Youth Savings
INITIAL DEPOSIT REQUIREMENT:
$100
RATE:
0.12%
APY*:
0.12%
WITH:
Above $100 Balance
PRODUCT:
Holiday Club
INITIAL DEPOSIT REQUIREMENT:
$10
RATE:
0.15%
APY*:
0.15%
WITH:
$10 Minimum Balance
PRODUCT:
All Purpose Club
INITIAL DEPOSIT REQUIREMENT:
$10
RATE:
0.10%
APY*:
0.10%
WITH:
$10 Minimum Balance

Certificate of Deposit Rates

TermRateAPY*With
Term:
6 Months
Rate:
1.00%
APY*:
1.02%
With:
$2,500 Minimum Deposit
Term:
1 Year
Rate:
1.20%
APY*:
1.21%
With:
$500 Minimum Deposit
Term:
18 Months
Rate:
1.30%
APY*:
1.31%
With:
$500 Minimum Deposit
Term:
24 Months
Rate:
1.40%
APY*:
1.41%
With:
$2,500 Minimum Deposit
Term:
30 Months
Rate:
1.70%
APY*:
1.71%
With:
$500 Minimum Deposit
Term:
36 Months
Rate:
1.60%
APY*:
1.61%
With:
$1,000 Minimum Deposit
Term:
48 Months
Rate:
1.80%
APY*:
1.81%
With:
$2,500 Minimum Deposit
Term:
60 Months
Rate:
2.00%
APY*:
2.01%
With:
$2,500 Minimum Deposit

Rates subject to change without notice. See above for effective date of rates. Fees could reduce the earnings on the account.

Penalties may be imposed for withdrawals made or closing account prior to maturity.

Rates effective as of 1/10/2019

Individual Retirement Account Rates ***

IRA Statement Savings

RATE APY* WITH
RATE :
0.50%
APY* :
0.51%
WITH:
$10 Minimum Balance

Variable Rate IRA

RATE APY* WITH
RATE :
1.00%
APY* :
1.02%
WITH:
$10 Minimum Deposit

Money Market Account Rates **

Statement Money Market

RATE APY* WITH
RATE :
0.10%
APY* :
0.10%
WITH:
$100 - $2499.99
RATE :
0.20%
APY* :
0.21%
WITH:
$2500 - $10,000
RATE :
0.25%
APY* :
0.26%
WITH:
$10,000 - $25,000
RATE :
0.30%
APY* :
0.31%
WITH:
$25,000 - $50,000
RATE :
1.40%
APY* :
1.41%
WITH:
Over $50,000

Premier Money Market **

RATE APY* WITH
RATE :
0
APY* :
0
WITH:
$0 - $75,000
RATE :
0.45%
APY* :
0.46%
WITH:
$75,000 - $249,999
RATE :
0.45%
APY* :
0.46%
WITH:
$250,000 - $399,999
RATE :
0.50%
APY* :
0.51%
WITH:
$400,000 - $599,999
RATE :
0.55%
APY* :
0.56%
WITH:
$600,000 and Over

Business Money Market Savings **

RATE APY* WITH
RATE :
0
APY* :
0
WITH:
$0 - $14,999
RATE :
0.15%
APY* :
0.16%
WITH:
$15,000 - $49,999
RATE :
0.30%
APY* :
0.30%
WITH:
$50,000 - $99,999
RATE :
0.50%
APY* :
0.51%
WITH:
$100,000 - $199,999
RATE :
0.75%
APY* :
0.76%
WITH:
$200,000 and Over

Deposit rate effective 5/1/2019. Rates subject to change without notice. Rates may change after account opening. Fees could reduce the earnings on the account.

* APY means:Annual Percentage Yield

** Penalties may be Imposed for early withdrawal

*** Penalties may be imposed for withdrawals made or closing account prior to maturity.

Mortgage Rates(2)

Product(3) Term Rate APR(1) Points Monthly Payments per $1,000(6)
Product(3) :
15 Year Fixed Conforming *
Term :
15 Years
Rate :
3.250%
APR(1) :
3.322%
Points :
0
Monthly Payments per $1,000(6):
$7.03
Product(3) :
15 Year Fixed High Balance **
Term :
15 Years
Rate :
3.500%
APR(1) :
3.575%
Points :
0
Monthly Payments per $1,000(6):
$7.15
Product(3) :
20 Year Fixed Conforming*
Term :
20 Years
Rate :
3.500%
APR(1) :
3.558%
Points :
0
Monthly Payments per $1,000(6):
$5.80
Product(3) :
20 Year Fixed High Balance **
Term :
20 Years
Rate :
3.750%
APR(1) :
3.811%
Points :
0
Monthly Payments per $1,000(6):
$5.93
Product(3) :
30 Year Fixed Conforming*
Term :
30 Years
Rate :
3.625%
APR(1) :
3.668%
Points :
0
Monthly Payments per $1,000(6):
$4.56
Product(3) :
30 Year Fixed High Balance **
Term :
30 Years
Rate :
3.875%
APR(1) :
3.920%
Points :
0
Monthly Payments per $1,000(6):
$4.70
Product(3) :
7/1 Adjustable Rate (4) *
Term :
30 Years
Rate :
3.375%
APR(1) :
3.816%
Points :
0
Monthly Payments per $1,000(6):
$4.42
Product(3) :
10/1 Adjustable Rate (5) *
Term :
30 Years
Rate :
3.500%
APR(1) :
3.785%
Points :
0
Monthly Payments per $1,000(6):
$4.49
Product(3) :
7/1 Adjustable Rate High Balance **
Term :
30 Years
Rate :
3.625%
APR(1) :
3.934%
Points :
0
Monthly Payments per $1,000(6):
$4.56
Product(3) :
10/1 Adjustable Rate High Balance **
Term :
30 Years
Rate :
3.750%
APR(1) :
3.939%
Points :
0
Monthly Payments per $1,000(6):
$4.63

*Loan Amounts up to $510,400

** Loan Amounts up to $726,525 in Dutchess and Orange Counties.  Loan amounts up to $765,600 in Putnam, Rockland and Westchester counties.

(1) APR = Annual Percentage Rate

(2) Rates quoted are subject to change anytime

(3) Products listed above are for conforming mortgages. Call for Jumbo & non-conforming rates. Mortgage interest rates shown are for one to four family owner occupied primary residences with a combined loan to value of 80.00% or less and a representative credit score of 680 or higher. Other loan programs available at competitive interest rates and fees may be available.

(4) Interest rates are fixed for the first seven years, adjusts annually thereafter.

(5) Interest rates are fixed for the first ten years, adjusts annually thereafter.

(6) Monthly payment shown above does not include amount for monthly real estate tax and insurance premiums (if applicable) which will make monthly payment obligation higher.

Loan Rates Effective 1/08/2020
NMLS Institution ID#: 1790987

Home Equity Line of Credit Rates

PRODUCTTERMRATEAPR*MONTHLY PAYMENTS PER $1000
PRODUCT:
Home Equity Line of Credit**
TERM:
RATE:
Variable Monthly
APR*:
5.50%
MONTHLY PAYMENTS PER $1000:
PRODUCT:
Closed End Fisted Rate Home Equity Loans
TERM:
0-5 years
RATE:
4.63%
APR*:
4.63%
MONTHLY PAYMENTS PER $1000:
$18.70
PRODUCT:
Closed End Fixed Rate Home Equity Loans
TERM:
6-10 years
RATE:
5.13%
APR*:
5.13%
MONTHLY PAYMENTS PER $1000:
$10.67
PRODUCT:
Closed End Fixed Rate Home Equity Loans
TERM:
11-15 years
RATE:
5.50%
APR*:
5.50%
MONTHLY PAYMENTS PER $1000:
$8.17

*APR = Annual Percentage Rate

**Prime plus 0% for the life of the loan. Interest rate floor of 5.500% and maximum rate of 12.50%.

All Rates Are Subject To Change Without Prior Notice

Rates effective 3/28/2019

NMLS Institution ID#: 1790987