Personal Loans

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Helping Hand Loan

• Available for those facing financial hardship due to COVID-19.
• Borrow up to $1,500 for 12 months.
• No payment due for 1st 60 days.
• Fixed rate.

Personal Loan

• Short-term financing.
• Borrow up to $50,000.
• Fixed rate.
• All we need is a signature.

Personal Line of Credit

• Short-term financing.
• Borrow up to $50,000.
• No minimum borrowing amount.
• Access line anytime via eBanking, check, phone or in any location.
• Only pay interest on amount drawn.

Home Improvement Loan

• Must be used for home improvements.
• Borrow up to $50,000.
• Fixed rate.
• Loan terms up to 10 years.
• No prepayment penalties.

*Annual Percentage Rate (APR) subject to change without notice. **0.00% APR fixed for first 60 days of loan. After the first fixed term of 60 days, the APR will be 6.00% for the remainder of the term. Deferment of payment allowed for 1st 60 days. Rate shown is for terms up to 12 months, and is based off credit worthiness. Proof of income, Unemployment Insurance, Temporary Disability Insurance or Temporary Caregiver Insurance filing may be required. One Helping Hand Loan available per member within a 12 month period. Loan is not eligible for skip a pay.

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score 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. Other rates and terms are available.

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score 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. Loan terms up to 10 years. Maximum amount that can be borrowed is $50,000. To be used for home improvements. Estimate for the project or an invoice or scope of the completed project is required. See a Loan Representative for more details. Payments do not reflect the addition of Payment Protection.

College Refinance Loans

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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

• Provide financial security to your family for pennies a day.
  • Learn more about our payment protection options.

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

*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.

WCCU VISA^® Credit Cards

Apply Now   Balance Transfer Form

Apply Now    Balance Transfer Form

WCCU offers VISA^® Credit Cards to meet all of your credit needs. Every WCCU VISA^® Credit Card comes with a low rate and no hidden fees.

Please select from the tabs below to find out which card best fits your needs.

WCCU VISA^® Credit Card Benefits:

• No Annual Fee*
• Low Interest Rate
• 24 Hour ATM Access for Cash Advances
• Accepted Worldwide
• Emergency Card Replacement
• 24 Hour Member Service

Card Payment Options:

• eBanking
• Automatic Transfer
• Telephone

Download our Free eBanking App today!

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Loan Rates

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*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score 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. Refinancing for new loans only. Rates subject to change. Other rates and terms available.

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score 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. Loan terms up to 10 years. Maximum amount that can be borrowed is $50,000. To be used for home improvements. Estimate for the project or an invoice or scope of the completed project is required. See a Loan Representative for more details. Payments do not reflect the addition of Payment Protection.

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for members with an “A” credit score 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. Other rates and terms are available.

*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.