Products & Rates
Shares/Savings Account*
Basic Savings .60 % Quarterly Dividend Rate $25.00 minimum balance, dividend paid to open accounts at end of quarter.
Your deposits are always safe.
Federally insured credit unions such as WSFCU offer a safe place for members to save money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at MyCreditUnion.gov.
Loan Accounts*
Rates available to current members only.
See who is eligible to join WSFCU.
Unsecured Loans (Signature)
Personal Loan Special 3.17%APR 24 months $500.00 - $3,000.00**
Personal Loan 6.9%APR 24 months $100.00 - $5,000.00
Personal Loan 7.9%APR 24 months $5,000.00 - $7,500.00
Personal Loan 11.9%APR 36 months up to $10,000.00
Auto Loans Maximum Loan $55,000.00
New Car 3.5%APR 48 or 60 months
New Car 4.5%APR 72 months
Used Car 5.25%APR 48 months 2021 model or newer
Used Car 6.25%APR 36 months 2020 model or older
Boat/RV/ATV Loans (includes most titled vehicles) Maximum Loan $55,000.00
New vehicle 4.9%APR 60 months
New vehicle 5.9%APR 72 months
2021 or newer 6.25%APR 48 months
Older used 7.25%APR 36 months
*Rates are subject to change at any time. All loans are subject to approval. Apply by email or mail using our Loan Application Form found below. Please include a copy of a recent payroll/income verification for faster turnaround.
**New loans only. Must apply by March 17, 2025.
Fees & Disclosures
Deposit Account Fees: Basic Savings--None
Loan Account Fees: No processing fees. Payments received 14 days or more after due date will be charged a late fee of 5% of the monthly payment amount.
Miscellaneous Fees: All--None
Subscribe to our email list
Email list is designed to communicate with current members only. Non-members will be removed. Western Springs Federal Credit Union respects your privacy and will not share your contact information with third parties.
Office hours
Monday: 12pm - 5pm
Tuesday: 2pm - 7pm
Thursday: 2pm - 5pm
Created by Olive + Ash.
Managed by Olive Street Design. 