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Mortgages & Home Equity

We've been helping members become home owners since we first opened our doors. Whether you are a first time buyer, planning on trading-up, or thinking of refinancing, we can help!

Home Equity Loans & Lines of Credit

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Our Home Equity Loans and Lines have you covered. Refinance, home improvements, vacations, college, wedding, medical bills and more!

Flex Equity Line of Credit

Need flexibility? Our Flex Equity Line of Credit offers easy access to your home's equity with an option to lock in up to 2 fixed rate advances at any given time. Fixed rate advances offer you the flexibility to lock in any or all of your line into a fixed payment with a term you choose. Access your Flex Equity by simply transferring funds into your WCCU checking account; in person, by phone or online.

Home Equity Loans 

Get the money you need, to make the changes you want. Refinance, home improvements, vacations, college, wedding, medical bills and more, our Home Equity Loan may be your best choice! Our fixed rate Home Equity Loan allows you to access the equity in your home to borrow a single, lump sum of money.

  • Loan terms up to 15 years.
  • Fixed monthly payment.

Whichever you choose, you can benefit from:

  • Financing up to 80% of your home’s value.*
  • Credit limits up to $350,000.**
  • No closing costs or application fees.***
  • Low rates to save you money.
  • Quick application approval online and over the phone.

*1-4 family owner occupied properties only. 80% maximum combined loan to value. **Minimum loan $15,000 (line of credit) $5,000 (fixed rate portion). Maximum loan is $350,000. The plan allows two fixed rate advances from your line at any given time during the 10 year draw period (15 years to repay). Fixed rate advance rates will be those in effect at time of draw. ***Flood insurance may be required. Property insurance is required. Consult a tax advisor about the deductibility of interest. Other restrictions may apply. A cancellation fee will apply for loans terminated within two years of origination date. Available for new lines only. $50 annual fee will be waived for the 1st year. WCCU NMLS ID # 518892

For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access website or feel free to contact us.

Home Improvement Loan

No Equity? No problem!

  • Must be used for home improvements.
  • Borrow up to $50,000.
  • Fixed rate.
  • Loan terms up to 7 years.
  • No prepayment penalties.

Flex Equity Line of Credit
Effective Date: Monday, December 10th, 2018
ProgramTermAPR*Loan SizeMonthly Payments per $1000 borrowed
Line of Credit        
    5.000% $15,000 - $99,999.99 varies
    4.750% $100,000 and above varies
Fixed Rate Advance
  5 years 3.200%   $18.08
  10 years 3.700%   $10.31
  15 years 4.250%   $7.79

*The Annual Percentage Rate (APR) is variable based on the Prime Rate as published in the Wall Street Journal on the last day of each billing cycle and tiered as follows: $15,000-$99,999.99 is Prime - 0.25%, $100,000 and over is Prime - 0.50%. APR will never be more than 18%. 1-4 family owner occupied properties only. 80% maximum combined loan to value. Minimum loan $15,000 (line of credit) $5,000 (fixed rate portion). Maximum loan is $350,000. The plan allows two fixed rate advances from your line at any given time during the 10 year draw period (15 years to repay). Fixed rate advance rates will be those in effect at time of draw. Flood insurance may be required. Property insurance is required. Consult a tax advisor about the deductibility of interest. Other restrictions may apply. A cancellation fee will apply for loans terminated within two years of origination date. Other rates and terms available. Available for new lines only. $50 annual fee will be waived for the 1st year. WCCU NMLS ID # 518892. 

Home Equity Loan
Effective Date: Monday, December 10th, 2018
ProgramTermAPR*Monthly Payments per $1000 borrowed
Fixed Rate Home Equity Loan
  5 years 3.250% $18.08
  10 years 4.375% $10.31
  15 years 4.750% $7.79
7 Year Home Equity Loan Special**
  7 years 3.375% $13.39
10 Year Home Equity Loan Special**
  10 years 3.625% $9.95
12 Year Home Equity Loan Special**
  12 years 3.990% $8.76
15 Year Home Equity Loan Special**
  15 years 4.250% $7.53
**First lien position only-other restrictions may apply.

*Annual Percentage Rate (APR) subject to change without notice. Rate requires 720+ credit score. Owner occupied only. 5-15 yr stated rates require member to have an "active" checking account ("active" checking is a minimum of six transactions per month and direct deposit). Minimum loan amount is $10,000. Maximum loan amount is $350,000. Not available for rewrite of current WCCU loans. Not available for New Purchases. Other rates and terms available. Maximum loan-to-value 80%. Other restrictions may apply. Flood insurance may be required. Property insurance is required. A termination fee not to exceed the lesser of $500 or 2% of the loan amount will apply for loans terminated within two years of origination date. Recording, trust review, and advisory fees apply where applicable. Consult a tax advisor regarding the deductibility of interest. WCCU NMLS ID # 518892.

Home Improvement Loan
Effective Date: Monday, December 10th, 2018
TermAPR*Monthly Payments per $1000 borrowed
7 years 5.750% $14.50
5 Years 5.250% $19.00

*Annual Percentage Rate (APR) is subject to change without notice. Rate shown is for members with an "active" checking account ("active" checking is a minimum of six transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. Loan terms up to 7 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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