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!
Auto Loans
Car Loans – New or Used
- Low rates for a car that is new or new to you, also refinancing!
- Monthly payments you can afford.
- Convenient 100% Financing.
- Protect your family from debt!
- GAP Advantage – Waives the difference between your primary insurance company’s settlement and the payoff of your loan.*
- Mechanical Breakdown Protection – Designed to help pay for expensive repairs on major components of your vehicle.*
- Loan Payment Protection – Provide financial security to your family for pennies a day.
We also offer Motorcycle & Home Improvement Loans!
Auto Loan Rates | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | Monthly Payments per $1000 borrowed |
New-Used Auto Loans 2018 and Newer | |||
6 years | 2.450% | $14.95 | |
New Auto Loans 2019 and Newer | |||
3 years | 1.950% | $28.62 | |
4 years | 1.950% | $21.68 | |
5 years | 1.950% | $17.51 | |
Used Auto Loans 2015 - 2018 | |||
3 years | 1.950% | $28.62 | |
4 years | 1.950% | $21.68 | |
5 years | 1.950% | $17.51 | |
Used Auto Loans 2014 and Older | |||
4 years | 4.650% | $22.88 | |
Motorcycle Loan 2014 and Newer | |||
3 years | 7.240% | $31.01 | |
4 years | 7.240% | $24.08 | |
5 years | 7.240% | $19.93 |
*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.
Personal Loans
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.
Personal Loans | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | Monthly Payments per $1000 borrowed |
Personal Loan | |||
3 years | 5.990% | $30.42 | |
4 years | 5.990% | $23.48 | |
5 years | 5.990% | $19.33 | |
Personal Line of Credit** | |||
9.250% | varies |
*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.
Apply NowApply Now
Home Improvement Loan | ||
Effective Date: Friday, January 22nd, 2021 | ||
Term | APR* | Monthly Payments per $1000 borrowed |
5 Years | 5.250% | $18.99 |
7 Years | 5.500% | $14.38 |
10 Years | 5.750% | $10.98 |
*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.
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College Refinance Loans
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.
College Refinance Loan FAQ's
College Refinance Loan FAQ's
College Refinance Loan | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | 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 | 3.000% | $17.97 | |
10 years | 3.250% | $9.78 |
*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!
calculators
Loan Rates
Auto Loan Rates | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | Monthly Payments per $1000 borrowed |
New-Used Auto Loans 2018 and Newer | |||
6 years | 2.450% | $14.95 | |
New Auto Loans 2019 and Newer | |||
3 years | 1.950% | $28.62 | |
4 years | 1.950% | $21.68 | |
5 years | 1.950% | $17.51 | |
Used Auto Loans 2015 - 2018 | |||
3 years | 1.950% | $28.62 | |
4 years | 1.950% | $21.68 | |
5 years | 1.950% | $17.51 | |
Used Auto Loans 2014 and Older | |||
4 years | 4.650% | $22.88 | |
Motorcycle Loan 2014 and Newer | |||
3 years | 7.240% | $31.01 | |
4 years | 7.240% | $24.08 | |
5 years | 7.240% | $19.93 |
*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.
Apply Now Apply Now
Home Improvement Loan | ||
Effective Date: Friday, January 22nd, 2021 | ||
Term | APR* | Monthly Payments per $1000 borrowed |
5 Years | 5.250% | $18.99 |
7 Years | 5.500% | $14.38 |
10 Years | 5.750% | $10.98 |
*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.
Apply Now Apply Now
Personal Loans | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | Monthly Payments per $1000 borrowed |
Personal Loan | |||
3 years | 5.990% | $30.42 | |
4 years | 5.990% | $23.48 | |
5 years | 5.990% | $19.33 | |
Personal Line of Credit** | |||
9.250% | varies |
*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.
Apply Now Apply Now
College Refinance Loan | |||
Effective Date: Friday, January 22nd, 2021 | |||
Program | Term | APR* | 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 | 3.000% | $17.97 | |
10 years | 3.250% | $9.78 |
*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.
Apply Now Apply Now