Westerly Community Credit Union Go to main content

Consumer Loans

We can help provide the financing you need to make all your dreams come true! Click here to view our current rates!

Every day WCCU helps members save money by offering lower interest rates on loans. Our online Click-Compare-Save calculator lets you instantly see your potential monthly savings when you move your loans to WCCU! 

Can we beat your current rate? Click here to get started!

College Refinance Loans

Apply Now
Apply Now

Combine your Federal and Private student loans to:

Lock in a lower interest rate • Reduce your monthly payment
Get rid of debt faster • Release a co-signer

  • No prepayment, application, origination or disbursement fees.
  • Borrow up to $75,000.
  • No minimum borrowing amount.
  • Fixed and adjustable rates available.
  • Loan terms up to 10 Years.
  • Available for existing Federal and Private student loans.
  • Applicant must be a graduate of an accredited two or four-year Trade School, College or University.
  • Applicant must show proof of full time employment.

Loan Payment Protection

College Refinance Loan FAQ's
College Refinance Loan FAQ's

College Refinance Loan
Effective Date: Monday, February 24th, 2020
ProgramTermAPR*Monthly Payments per $1000 borrowed
Fixed Rate College Refinance Loan
  5 years 4.000% $18.42
  10 years 4.500% $10.37
Adjustable Rate College Refinance Loan**
  5 years 3.500% $18.20
  10 years 4.750% $10.49

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for “A” credit scores of 680 or above. Rates also reflect a 0.75% point interest rate reduction for automatic loan payments deducted from an “active” WCCU checking account (“active” checking is 6 transactions or more per month and direct deposit) which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.75% will be added to the rate. Payments do not reflect any additional cost for Payment Protection. **The Adjustable rate APR will vary based on the Prime Rate as published in the Wall Street Journal. No minimum loan amount. College Refinance Loan is for refinancing existing education loans in repayment; not deferral. Maximum loan $75,000, maximum term 10 years. Applicant must be a graduate of an accredited two or four-year trade school, college or university and employed full time. College Refinance Loans are subject to credit qualification and verification of application information, outstanding loan amount(s), proof of employment and graduation. Fixed and adjustable rates available. New loans only. Other restrictions may apply.

Go to main navigation