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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!

Interested in financing, but looking for some advice first? Tune into WCCU's Let's Talk Loans Radio Show Series on WBLQ 1230 AM & 103.1 FM to hear from our experts!

Calculators

Auto Loans

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Car Loans – New or Used

We also offer Motorcycle & Home Improvement Loans!

Auto Loan Rates
Effective Date: Saturday, December 5th, 2020
ProgramTermAPR*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

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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: Saturday, December 5th, 2020
ProgramTermAPR*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.


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Home Improvement Loan
Effective Date: Saturday, December 5th, 2020
TermAPR*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

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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

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

College Refinance Loan
Effective Date: Saturday, December 5th, 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 3.000% $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:

Download our Free eBanking App today!

Westerly CCU apple store mobile appWesterly CCU google play mobile app
 

Rewards VISA® Low Rate VISA® Secured VISA® Business VISA®

WCCU’s Rewards Platinum VISA® Credit Card allows you to earn excellent rewards such as airline travel and merchandise for each purchase you make.

Learn More

WCCU’s Low Rate VISA® Credit Card offers you a great low rate! Take advantage of our balance transfer offer to consolidate your debt and save money!

Learn More

WCCU’s Secured Platinum VISA® Credit Card offers you a great opportunity to take control of your finances and build or repair your credit.

Learn More

WCCU’s Business Platinum VISA® Credit Card offers you a great low rate with the flexible terms you need to run a successful business.

Learn More

calculators

Loan Rates

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Open Account Now

Auto Loan Rates
Effective Date: Saturday, December 5th, 2020
ProgramTermAPR*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: Saturday, December 5th, 2020
TermAPR*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: Saturday, December 5th, 2020
ProgramTermAPR*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: Saturday, December 5th, 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 3.000% $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

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