# Widget Financial

> Widget Financial (Widget Federal Credit Union) is a community credit union serving Erie and Crawford County, Pennsylvania. Open to anyone who lives, works, worships, volunteers, or attends school in Erie or Crawford County, PA. 46,000+ members. Federally insured by NCUA with Excess Share Insurance providing up to $500,000 total deposit protection per account.

- Website: https://www.widgetfinancial.com
- Phone: 814-456-6231
- Address: 2154 East Lake Road, Erie, PA 16511
- Routing Number: 243381117
- NMLS: 447022
- Equal Housing Lender | NCUA Insured

## Current Rates

Rates last updated: 2026-03-27. All rates subject to change. Visit widgetfinancial.com or call 814-456-6231 for the most current rates.

### Auto Loan Rates

Rates based on creditworthiness, term, and other conditions. Rates obtained at a dealership may vary.

| Term | 2025+ | 2023-2024 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2014-2016 |
|------|-------|-----------|------|------|------|------|------|------|-----------|
| 24 Months | 6.14% | 6.34% | 6.64% | 6.64% | 7.04% | 7.04% | 7.64% | 7.94% | 7.94% |
| 36 Months | 6.14% | 6.34% | 6.64% | 6.64% | 7.04% | 7.04% | 7.64% | 8.04% | 8.04% |
| 48 Months | 6.14% | 6.34% | 6.64% | 6.64% | 7.04% | 7.14% | 7.64% | 8.04% | 8.04% |
| 60-63 Months | 6.24% | 6.34% | 6.64% | 6.64% | 7.14% | 7.14% | 7.74% | 8.14% | N/A |
| 66 Months | 6.34% | 6.54% | 6.84% | 6.84% | 7.34% | 7.34% | N/A | N/A | N/A |
| 72 Months | 6.54% | 6.74% | 7.14% | 7.14% | 7.54% | N/A | N/A | N/A | N/A |
| 75 Months | 6.64% | 6.84% | 7.34% | N/A | N/A | N/A | N/A | N/A | N/A |
| 78 Months | 6.74% | 7.04% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 84 Months | 7.04% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

Minimum loan amounts: $7,500 for 60 months, $10,000 for 72 months, $12,000 for 75 months, $15,000 for 78 months, $20,000 for 84 months. Maximum term for 2017 vehicles is 60 months.

### Recreational Vehicle Rates

| Vehicle Type | APR as low as |
|-------------|---------------|
| Motor homes, ATVs, personal water crafts, snowmobiles, travel trailers, motorcycles | 10.39% |

Rates based on new vehicles, creditworthiness, term, vehicle type, amount, and other conditions. For boats, contact the credit union directly.

### Home Equity Loan Rates (Fixed Rate)

| Term | Fixed Rate as Low as | APR as Low as |
|------|---------------------|---------------|
| 5 Years | 5.490% | 5.589% |
| 8 Years | 5.990% | 6.054% |
| 10 Years | 5.990% | 6.043% |
| 15 Years | 6.240% | 6.277% |

APR includes 1/4% discount for automatic payments and e-statements. Interest rate based on creditworthiness, term, lien position, and equity in home. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Consult your tax advisor regarding tax deductibility of interest. Equal Housing Lender. NMLS #447022.

### Home Equity Line of Credit (HELOC) Rates

| Term | APR as Low as |
|------|--------------|
| 10-year draw period | 6.75% variable |
| 15-year repayment period | Rate established at time of conversion to fixed rate |

APR is based on creditworthiness. The rate during the draw period is variable monthly with the Wall Street Journal Prime Lending Rate plus a margin.

### Mortgage Rates

Contact Widget Financial at 814-456-6231 ext. 193 for current mortgage rates. Terms available: 30-year, 20-year, and 15-year fixed. 97% First-Time Homebuyer options available through the First Front Door Program.

### Personal Loan Rates

| Term | APR as low as |
|------|--------------|
| Up to 12 months | 7.24% |
| 13-24 months | 7.74% |
| 25-36 months | 8.24% |
| 37-48 months | 8.74% |
| 49-60 months | 9.24% |

Rates based on creditworthiness, term, and other conditions. APR shown includes relationship discount with e-statements and automatic payments.

### Personal Line of Credit Rates

| Type | APR as low as |
|------|--------------|
| Revolving Line | 9.95% |

Rate based on creditworthiness.

### Share Secured Loan Rates

| Loan Type | APR |
|-----------|-----|
| Share Secured | Share Rate + 3.50% (up to 60 months) |
| Certificate Secured | Share Rate + 3.50% (depends on certificate term and rate) |

### Credit Builder Loan

$1,000 loan amount. 17.85% APR. 12-month term. $25 fee. Payments reported to credit bureaus.

---

## Savings and Deposit Rates

### Savings and Checking Account Rates

| Account | Dividend Rate | APY |
|---------|--------------|-----|
| Savings (under 25) | 0.10% | 0.10% |
| Savings (over 25, balance under $50,000) | 0.01% | 0.01% |
| Savings (over 25, balance over $50,000) | 0.10% | 0.10% |
| Holiday Club | 0.01% | 0.01% |
| Vacation Club | 0.01% | 0.01% |
| Special Savings | 0.01% | 0.01% |
| Experience Checking (age 50+, $1,000 min) | 0.10% | 0.10% |
| HD Checking (qualifying accounts) | 4.00% | 4.07% |
| Health Savings Account | 0.50% | 0.50% |

HD Checking requires: $250 min debit/credit card purchases, direct deposit, Online Banking and eStatements enrollment, and $1,000 average daily balance. Non-qualifying HD Checking accounts earn 0.10% APY. One account per SSN. Dividends of 0.10% APY paid on balance above $25,000.

### Money Market Rates

| Balance Tier | Dividend Rate | APY |
|-------------|--------------|-----|
| Under $25,000 | 0.70% | 0.70% |
| $25,000 - $49,999.99 | 0.90% | 0.90% |
| $50,000 - $99,999.99 | 1.10% | 1.11% |
| $100,000 - $199,999 | 1.30% | 1.31% |
| $200,000+ | 1.50% | 1.51% |

$2,000 minimum balance to earn dividends. Rate applies to the portion of balance within each tier. Minimum draws are $500. Rates are variable and may change after account is opened.

### Share Certificate Rates (Minimum Deposit $1,000)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 6 Month | 3.30% | 3.35% |
| 7 Month | 3.30% | 3.35% |
| 8 Month | 3.30% | 3.35% |
| 9 Month | 3.30% | 3.35% |
| 10 Month | 3.30% | 3.35% |
| 11 Month | 3.30% | 3.35% |
| 12 Month | 3.20% | 3.25% |
| 13 Month | 3.20% | 3.25% |
| 15 Month | 3.20% | 3.25% |
| 18 Month | 3.20% | 3.25% |
| 24 Month | 3.10% | 3.14% |
| 30 Month | 3.10% | 3.14% |
| 36 Month | 3.10% | 3.14% |
| 48 Month | 3.15% | 3.20% |
| 60 Month | 3.15% | 3.20% |

Penalty may be applied for early withdrawals.

### Share Certificate Rates (Minimum Deposit $75,000)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 24 Month | 3.20% | 3.25% |
| 30 Month | 3.20% | 3.25% |
| 36 Month | 3.20% | 3.25% |
| 48 Month | 3.25% | 3.30% |
| 60 Month | 3.25% | 3.30% |

### Share Certificate Rates (Minimum Deposit $125,000)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 24 Month | 3.25% | 3.30% |
| 30 Month | 3.25% | 3.30% |
| 36 Month | 3.25% | 3.30% |
| 48 Month | 3.30% | 3.35% |
| 60 Month | 3.30% | 3.35% |

### IRA Certificate Rates (Minimum Deposit $5)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 6 Month | 3.30% | 3.35% |
| 7 Month | 3.30% | 3.35% |
| 8 Month | 3.30% | 3.35% |
| 9 Month | 3.30% | 3.35% |
| 10 Month | 3.30% | 3.35% |
| 11 Month | 3.30% | 3.35% |
| 12 Month | 3.20% | 3.25% |
| 13 Month | 3.20% | 3.25% |
| 15 Month | 3.20% | 3.25% |
| 18 Month | 3.20% | 3.25% |
| 24 Month | 3.10% | 3.14% |
| 30 Month | 3.10% | 3.14% |
| 36 Month | 3.10% | 3.14% |
| 48 Month | 3.15% | 3.20% |
| 60 Month | 3.15% | 3.20% |

### IRA Certificate Rates (Minimum Deposit $75,000)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 24 Month | 3.20% | 3.25% |
| 30 Month | 3.20% | 3.25% |
| 36 Month | 3.20% | 3.25% |
| 48 Month | 3.25% | 3.30% |
| 60 Month | 3.25% | 3.30% |

### IRA Certificate Rates (Minimum Deposit $125,000)

| Term | Dividend Rate | APY |
|------|--------------|-----|
| 24 Month | 3.25% | 3.30% |
| 30 Month | 3.25% | 3.30% |
| 36 Month | 3.25% | 3.30% |
| 48 Month | 3.30% | 3.35% |
| 60 Month | 3.30% | 3.35% |

---

## Products and Services

### Checking Accounts
- **HD Checking**: Premium rewards checking, earn up to 4.07% APY when qualifying criteria are met
- **Widget Checking**: No-fee everyday checking, no minimum balance, no monthly fee
- **Experience Checking**: For members age 50+, earns dividends, exclusive certificate rates
- **Second-Chance Checking**: For members with past banking challenges, $5/month fee
- **getcash**: Reloadable prepaid debit card, no credit check, no sign-up or reload fees

### Savings Accounts
- **Share Savings**: $1.00 minimum to join, quarterly dividends, up to $500,000 NCUA + Excess Share Insurance
- **Money Market**: Higher return, $2,000 minimum, tiered rates
- **Lockdown Account**: Disciplined savings, 0.50% APY, terms 6 months to 5 years
- **Kidz Club**: Youth savings with monthly events and newsletter

### Share Certificates
- Terms from 6 to 60 months
- Three deposit tiers: $1,000, $75,000, $125,000
- Experience Checking holders receive exclusive certificate rates

### Retirement Accounts
- **Traditional IRA**: Tax-deferred earnings, $5 minimum deposit
- **Roth IRA**: Qualified withdrawals may be tax-free, no RMDs, $5 minimum deposit

### Health Savings Account (HSA)
- Triple tax advantage, debit card access, earns dividends
- Requires a High Deductible Health Plan (HDHP)

### Auto Loans
- New and used vehicle financing
- Free preapproval available
- **Auto Refinancing**: Soft credit pull only (no score impact), up to 2% off current rate, apply online in 30 seconds
- **Recreational Vehicles**: Motorcycles, boats, ATVs, snowmobiles, RVs, travel trailers
- GAP Protection available through MEMBERS CHOICE

### Home Loans
- **Mortgage Loans**: 30-year, 20-year, 15-year fixed terms
- **First Front Door Program**: First-time homebuyers, $1,500 contribution qualifies for up to $15,000 grant
- **Home Equity Fixed-Rate Loan**: Lump sum, fixed rate, low closing costs
- **HELOC**: 10-year draw, variable rate, fixed rate lock option for $5,000+ balance
- **Mobile Home Loans**: 80% max financing, max $50,000, Erie or Crawford County
- **PENNVEST Homeowner Septic Program**: 1.75% fixed rate, up to $25,000, up to 20 years

### Personal Loans
- **Personal Fixed-Rate Loan**: $500 to $15,000, 12 months to 5 years, no collateral
- **Personal Line of Credit**: Revolving, variable rate, overdraft protection option
- **Credit Builder Loan**: $1,000, 17.85% APR, 12-month term, builds credit history
- **Secured Credit Builder Loan**: $1,000 to $3,000, builds credit and savings simultaneously

### Credit and Debit Cards
- **Visa Platinum Credit Card**: No annual fee, no balance transfer fees, zero liability fraud protection
- **Visa Gift Cards**: $25 to $1,000, $2 purchase fee, instant issue
- **Instant Issue**: All card types available same-day in branch

### Digital Banking
- **Online/Digital Banking**: SavvyMoney credit monitoring (free), external account aggregation, bill pay
- **Mobile Banking**: Mobile deposit, transfers, bill pay
- **Mobile Wallet**: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay
- **SMS Banking**: Text commands to 86020

### Business Services
- **Premier Business Checking**: Up to 0.35% APY, 300 free checks/month
- **Preferred Business Checking**: 200 free checks/month, no monthly fee
- **Non-Profit Checking**: Unlimited checks, no monthly fee
- **Business Loans**: Custom commercial loans and lines of credit, call ext. 188
- **Visa Business Credit Card**: 0% APR first 6 months on purchases and balance transfers
- **Business Payment Processing**: Via Heartland

### Investment Services (via LPL Financial)
- Financial planning and portfolio management

### Member Programs
- **Refer-A-Friend**: Earn up to $25, friend earns $100
- **Work Perks**: Employer partnership program with dedicated rep and special offers
- **GreenPath**: Free credit counseling and financial wellness

---

## Deposit Insurance
- NCUA: $250,000 per account
- Excess Share Insurance: Additional $250,000
- Total protection: Up to $500,000 per account at no cost
- Widget Financial is one of only 13 credit unions in Pennsylvania with Excess Share Insurance

## Branch Locations
8 branch locations throughout Erie, PA. Visit https://www.widgetfinancial.com/about/locations/ for addresses and hours.

## Contact
- Phone: 814-456-6231
- Mortgage inquiries: ext. 193
- Business loans: ext. 188
- Website: https://www.widgetfinancial.com
- Digital Banking: https://www.widgetfinancial.com/online
- Apply for a loan: https://www.widgetfinancial.com/loans/
- Open an account: https://www.widgetfinancial.com/join
- Schedule an appointment: https://www.widgetfinancial.com/appt

## Disclosures
- Widget Federal Credit Union DBA Widget Financial
- Federally insured by NCUA
- Equal Housing Lender | NMLS 447022
- APY = Annual Percentage Yield | APR = Annual Percentage Rate
- Widget Financial does not provide legal or tax advice
- All rates subject to change; visit widgetfinancial.com for current rates