Western Division Credit Union
Verified rate book
Current Western Division Credit Union rates
36 published offers verified as of August 4, 2026.
Mortgage rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Mortgage (15 Years)other | 6.250% APR | 6.250% | — | Standard |
| Mortgage (10 Years)other | 6.250% APR | 6.250% | — | Standard |
| Mortgageother | 6.250% APR | 6.250% | — | Standard |
| Mortgage (25 Years)other | 6.500% APR | 6.500% | — | Standard |
| Mortgage (20 Years)other | 6.500% APR | 6.500% | — | Standard |
| Mortgage (30 Years)other | 6.750% APR | 6.750% | — | Standard |
| Recreational (New, Used or Refinanced)other | 4.240% APR | 4.240% | — | Standard |
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Same Rate for new, used; refinanced or lease buyout: (Up to 24 Months)auto_any_24mo | 3.740% APR | 3.740% | 24 mo · any | Standard |
| Motorcycle (New, Used or Refinanced)motorcycle_any_36mo | 3.990% APR | 3.990% | 36 mo · any | Standard |
| Same Rate for new, used; refinanced or lease buyout: (25-36 Months)auto_any_36mo | 4.740% APR | 4.740% | 36 mo · any | Standard |
| Same Rate for purchase, refinanced or cash out! (Up to 24 Months)auto_any_24mo | 4.740% APR | 4.740% | 24 mo | Standard |
| Same Rate for new, used; refinanced or lease buyout: (37-54 Months)auto_any_54mo | 4.990% APR | 4.990% | 54 mo · any | Standard |
| Same Rate for new, used; refinanced or lease buyout: (55-66 Months)auto_any_66mo | 5.240% APR | 5.240% | 66 mo · any | Standard |
| Same Rate for new, used; refinanced or lease buyout: (67-78 Months)auto_any_78mo | 5.490% APR | 5.490% | 78 mo · any | Standard |
| Same Rate for purchase, refinanced or cash out! (25-36 Months)auto_any_36mo | 5.740% APR | 5.740% | 36 mo | Standard |
| Same Rate for new, used; refinanced or lease buyout: (79-84 Months)auto_any_84mo | 5.740% APR | 5.740% | 84 mo · any | Standard |
| Motorcycle (New, Used or Refinanced)motorcycle_any_54mo | 5.990% APR | 5.990% | 54 mo · any | Standard |
| Same Rate for purchase, refinanced or cash out! (37-54 Months)auto_any_54mo | 5.990% APR | 5.990% | 54 mo | Standard |
| Motorcycle (New, Used or Refinanced)motorcycle_any_66mo | 6.240% APR | 6.240% | 66 mo · any | Standard |
| Same Rate for purchase, refinanced or cash out! (55-60 Months)auto_any_60mo | 6.240% APR | 6.240% | 60 mo | Standard |
| Motorcycle (New, Used or Refinanced)motorcycle_any_78mo | 6.490% APR | 6.490% | 78 mo · any | Standard |
HELOC rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 5.740% APR | 5.740% | — | Standard |
| HELOC (Fixed)heloc_fixed | 6.240% APR | 6.240% | — | Standard |
| Up to 5-Year HELOC (Fixed)heloc_fixed | 6.240% APR | 6.240% | — | Standard |
| Up to 10-Year HELOC (Fixed)heloc_fixed | 6.490% APR | 6.490% | — | Standard |
| Up to 15-Year HELOC (Fixed)heloc_fixed | 6.740% APR | 6.740% | — | Standard |
| Up to 15-Year HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate-Secured Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| 36-Month Personal Loanpersonal_unsecured_36mo | 9.990% APR | 9.990% | 36 mo | Standard |
| 48-Month Personal Loanpersonal_unsecured_48mo | 10.990% APR | 10.990% | 48 mo | Standard |
| 60-Month Personal Loanpersonal_unsecured_60mo | 11.990% APR | 11.990% | 60 mo | Standard |
| Overdraft LOCpersonal | 12.000% APR | 12.000% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 9.990% APR | 9.990% | — | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Rates at a Glanceother | 3.740% % | 3.740% | — | Standard |
| Fast Cashother | 6.990% % | 6.990% | — | Standard |
As of August 4, 2026, Western Division Credit Union offers mortgage rates from 6.25% APR. Vehicle loans available from 3.74% APR for 24 months. HELOC rates from 5.74% APR. Personal loan rates from 3% APR. Credit card rates from 9.99% APR.
Source: RateAPI.dev, verified from Western Division Credit Union's official website
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About Western Division Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 11.5K
- Assets
- $225.6M
- Founded
- 1937
- Locations reported
- 2
- NCUA charter
- 24731
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Western Division Credit Union
Membership eligibility from Western Division Credit Union's own published criteria. How we verify this.
Membership criteria are published on Western Division Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationChautauqua, Erie — NY
Verified from Western Division Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Western Division Credit Union?
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Frequently Asked Questions
What rates does Western Division Credit Union offer?
Western Division Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Western Division Credit Union rates updated?
RateAPI verifies Western Division Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Western Division Credit Union's rate data?
Rate data is collected directly from Western Division Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Western Division Credit Union's mortgage rate?
As of August 4, 2026, Western Division Credit Union offers mortgage rates from 6.25% APR.
What are Western Division Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, Western Division Credit Union offers vehicle loans from 3.74% APR.
What is Western Division Credit Union's HELOC rate?
As of August 4, 2026, Western Division Credit Union offers home equity lines of credit from 5.74% APR.
What is Western Division Credit Union's personal loan rate?
As of August 4, 2026, Western Division Credit Union offers personal loans from 3% APR.
Related Rate Data
Compare Western Division Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Western Division Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/western-division" \
-H "Authorization: Bearer YOUR_API_KEY"