Wepco Mortgage, Auto Loan & Personal Loan Rates & Who Can Join

Who Can Join Wepco

Membership eligibility from Wepco's own published criteria. How we verify this.

Membership via employers (Verso Corporation)

LocationAllegany, Garrett, Mineral, Tucker, Preston
EmployerVerso Corporation

Cost to join: About $5.

Verified from Wepco's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 15, 2026

savings

0.010% APR

Rate0.010%

Points0

Kasasa Cash Checking

share_savings

0.050% APR

Rate0.050%

Points0

Share Accounts

savings

0.050% APR

Rate0.050%

Points0

Special Savings Account

savings

0.100% APR

Rate0.100%

Points0

Business Share Draft Account

savings

0.100% APR

Rate0.100%

Points0

Christmas Club

savings

0.100% APR

Rate0.100%

Points0

Special Purpose Account

savings

0.150% APR

Rate0.150%

Points0

Early Saver Accounts (Ages 0 - 12)

money_market

1.000% APR

Rate1.000%

Points0

Money Market Accounts

ira

3.000% APR

Rate3.000%

Points0

Traditional and Roth IRA Savings - 3% Return

ira

3.050% APR

Rate3.000%

Points0

IRA Account

ira_cd

3.550% APR

Rate3.500%

Points0

IRA Share Certificates

share_certificate

3.550% APR

Rate3.500%

Points0

Share Certificate

ira

5.000% APR

Rate5.000%

Points0

Traditional and Roth IRA Savings - 5% Return

ira

7.000% APR

Rate7.000%

Points0

Traditional and Roth IRA Savings - 7% Return

Auto Loan Rates

Rates as of July 15, 2026

auto_used_48mo

2.990% APR

Rate2.990%

Used Model Years 2024-2026 - 48 Months

auto_any_48mo

3.100% APR

Rate3.100%

First Time Car Buyers: Model Years 2023-2026 - 48 Months

auto_new_60mo

3.240% APR

Rate3.240%

New Model 2026 and Newer - 60 Months

auto_new_72mo

3.490% APR

Rate3.490%

New Model 2026 and Newer - 72 Months

auto_used_48mo

3.740% APR

Rate3.740%

Used Model Years 2021-2023 - 48 Months

auto_used_60mo

3.740% APR

Rate3.740%

Used Model Years 2024-2026 - 60 Months

auto_any_60mo

3.850% APR

Rate3.850%

First Time Car Buyers: Model Years 2023-2026 - 60 Months

auto_any_48mo

4.100% APR

Rate4.100%

First Time Car Buyers: Model Years 2020-2022 - 48 Months

auto_new_84mo

4.240% APR

Rate4.240%

New Model 2026 and Newer - 84 Months

auto_used_60mo

4.240% APR

Rate4.240%

Used Model Years 2021-2023 - 60 Months

auto_used_72mo

4.240% APR

Rate4.240%

Used Model Years 2024-2026 - 72 Months

auto_any_48mo

4.350% APR

Rate4.350%

First Time Car Buyers: Model Years 2017-2019 - 48 Months

auto_used_72mo

4.490% APR

Rate4.490%

Used Model Years 2021-2023 - 72 Months

auto_any_60mo

4.550% APR

Rate4.550%

First Time Car Buyers: Model Years 2020-2022 - 60 Months

auto_used_48mo

4.740% APR

Rate4.740%

Used Model Years 2018-2020 - 48 Months

auto_used_84mo

4.740% APR

Rate4.740%

Used Model Years 2024-2026 - 84 Months

auto_any_60mo

4.850% APR

Rate4.850%

First Time Car Buyers: Model Years 2017-2019 - 60 Months

auto_used_84mo

4.990% APR

Rate4.990%

Used Model Years 2021-2023 - 84 Months

auto_used_60mo

5.240% APR

Rate5.240%

Used Model Years 2018-2020 - 60 Months

auto_used_72mo

5.990% APR

Rate5.990%

Used Model Years 2018-2020 - 72 Months

auto_used_48mo

6.990% APR

Rate6.990%

Used Model Years 2017 or Older - 48 Months

auto_used_60mo

7.240% APR

Rate7.240%

Used Model Years 2017 or Older - 60 Months

auto_any_48mo

8.250% APR

Rate8.250%

4-Wheeler & Motorcycle Loans - 48 Months

auto

8.490% APR

Rate8.490%

Recreational Vehicle & Boat Loans

auto_any_60mo

8.500% APR

Rate8.500%

4-Wheeler & Motorcycle Loans - 60 Months

auto_any_48mo

8.740% APR

Rate8.740%

Historic Autos (20 Years and Older) - 48 Months

auto_any_72mo

8.750% APR

Rate8.750%

4-Wheeler & Motorcycle Loans - 72 Months

auto_any_84mo

9.000% APR

Rate9.000%

4-Wheeler & Motorcycle Loans - 84 Months

auto_any_60mo

9.240% APR

Rate9.240%

Historic Autos (20 Years and Older) - 60 Months

auto_any_72mo

9.740% APR

Rate9.740%

Historic Autos (20 Years and Older) - 72 Months

auto_any_84mo

10.240% APR

Rate10.240%

Historic Autos (20 Years and Older) - 84 Months

Personal Loan Rates

Rates as of July 15, 2026

personal

4.000% APR

Rate4.000%

Share Pledge Loans

personal

9.000% APR

Rate9.000%

Christmas & Vacation Loans

personal

9.000% APR

Rate9.000%

One-Payment Loans

personal_unsecured_12mo

10.000% APR

Rate10.000%

Signature Loan - 12 Months

personal_unsecured_24mo

10.250% APR

Rate10.250%

Signature Loan - 24 Months

personal_unsecured_36mo

10.500% APR

Rate10.500%

Signature Loan - 36 Months

personal_unsecured_48mo

11.000% APR

Rate11.000%

Signature Loan - 48 Months

personal_unsecured_60mo

11.750% APR

Rate11.750%

Signature Loan - 60 Months

personal

13.000% APR

Rate13.000%

WEPCOLine of Credit Loans

personal_unsecured_72mo

13.000% APR

Rate13.000%

Signature Loan - 72 Months

Frequently Asked Questions

What rates does Wepco offer?

Wepco currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 15, 2026 directly from the credit union's official website.

How often are Wepco rates updated?

RateAPI verifies Wepco's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 15, 2026.

Where does RateAPI get Wepco's rate data?

Rate data is collected directly from Wepco's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Wepco's mortgage rate?

As of July 15, 2026, Wepco offers a savings mortgage at 0.01% APR.

What is Wepco's auto loan rate?

As of July 15, 2026, Wepco offers auto loans from 2.99% APR.

Wepco

Who Can Join Wepco

Mortgage Rates

Auto Loan Rates

Personal Loan Rates

Frequently Asked Questions

What rates does Wepco offer?

How often are Wepco rates updated?

Where does RateAPI get Wepco's rate data?

What is Wepco's mortgage rate?

What is Wepco's auto loan rate?

Related Rate Data

Source Information

Methodology

Use it via API