Investment FAQ's

 All of our investment certificates are fixed rate and fixed term. This means that there is the same interest rate for the given time period. For example, our 5 year certificate will have a 5.50% fixed rate for the entire time period.

Investment certificates are fixed rate, fixed term investments. Interest is paid quarterly, at the end of March, June, Septemeber and December. 

The longer the term, the higher the interest rate you will earn.

  • With 1 year terms the fixed interest rate will be 6.00%
  • With 3 year terms the fixed interest rate will be 6.25%
  • With 5 year terms the fixed interest rate will be 6.75%

The minimum you can invest is $10,000.

We understand that emergencies come up. Please call us to discuss. 

No, there are never any fees to open an account with Wasatch Credit Association. It is alwasy quick and easy.

We do not currently accept IRA money. 

Lending FAQ's

Speed and ease are two of the most important things we offer. We fund any deal that makes sense, with flexible terms and common sense underwriting.

Call us today and we will meet you onsite tomorrow. We will review your proposal with you and give you a loan decision while there. We will be ready to close in 3-5 days when the title company is ready. 

  • The property address
  • Purchase price
  • Construction cost
  • Final selling price

Wasatch Credit Association lends up to 90% loan-to-value in most cases. The more skillful you are at buying the higher loan-to-value ratio we can offer.

Wasatch Credit Association finances all types of properties, including land, non-owner occupied single family properties, commercial property, multi-family property, and more. We do not finance owner occupied properties.

Wasatch Credit Association is an asset-based lender, which means we provide short-term loans based on the property value and your project, not your credit.

The certificates are securities offered by Wasatch Credit Association. They are not insured by the FDIC or any federal or state governmental agency, are not secured by any assets of Wasatch Credit Association, its shareholders, or affiliates, and may be subject to investment risks, including the possible loss of principal value or amount invested.