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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!

Loan Rates

Auto Loan Rates
Effective Date: Thursday, March 21st, 2019
ProgramTermAPR*Monthly Payments per $1000 borrowed
New-Used Auto Loans 2017 and Newer
  6 years 3.050% $15.22
New Auto Loans 2018 and Newer
  3 years 2.500% $28.86
  4 years 2.500% $21.91
  5 years 2.500% $17.75
Used Auto Loans 2014 - 2017
  3 years 3.550% $29.32
  4 years 3.550% $22.38
  5 years 3.550% $18.21
Used Auto Loans 2013 and Older
  4 years 8.050% $24.44
Motorcycle Loan 2013 and Newer
  3 years 6.990% $30.88
  4 years 6.990% $23.95
  5 years 6.990% $19.81

*Annual Percentage Rate (APR) is subject to change without notice. Rate shown is for members with an “A” credit score of 720 or above and an “active” checking account (“Active” checking is 6 transactions or more per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. Payments do not reflect any additional cost for Payment Protection. Refinancing for new loans only. Rates subject to change. Other rates and terms available.


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Boat Loans
Effective Date: Thursday, March 21st, 2019
ProgramTermAPR*Monthly Payments per $1000 borrowed
Used Boat Loans
  3 years 10.000% $32.27
  4 years 10.000% $25.36
  5 years 10.000% $21.26
New Boat Loans
  3 years 10.000% $32.27
  4 years 10.000% $25.36
  5 years 10.000% $21.25

*Annual Percentage Rate (APR) is subject to change without notice. Rates stated reflect lowest current rate for stated term. Other rates and terms are available. 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. This discounted rate applies to new loans only. Payments do not reflect the addition of Payment Protection. No down payment is required.


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Home Improvement Loan
Effective Date: Thursday, March 21st, 2019
TermAPR*Monthly Payments per $1000 borrowed
10 Years 5.750% $10.98
7 Years 5.500% $14.38
5 Years 5.250% $18.99

*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 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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Personal Loans
Effective Date: Thursday, March 21st, 2019
ProgramTermAPR*Monthly Payments per $1000 borrowed
Personal Loan
  3 years 8.990% $31.80
  4 years 8.990% $24.88
  5 years 8.990% $20.76
Personal Line of Credit**
    10.750%  

*Annual Percentage Rate (APR) is subject to change without notice. Rates are shown for “A” credit scores of 720 or above and reflect the lowest current rate for stated term. Rate shown is for members with “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. Payments do not reflect any additional cost for Payment Protection. Other rates and terms are available. **The Annual Percentage Rate (APR) is variable based on the Prime Rate as published in the Wall Street Journal five days prior to the end of the month. APR will never be more than 21% or less than 8% for the remaining life of the loan after the initial fixed period. No minimum loan amount. Maximum loan is determined at opening based on credit score but not to exceed $25,000. Other restrictions may apply.


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College Refinance Loan
Effective Date: Thursday, March 21st, 2019
ProgramTermAPR*Monthly Payments per $1000 borrowed
Adjustable Rate College Refinance Loan**
  5 years 4.250% $18.31
  10 years 5.500% $10.61
Fixed Rate College Refinance Loan
  5 years 4.000% $18.42
  10 years 4.500% $10.37

*Annual Percentage Rate (APR) is subject to change without notice. Rates shown are for “A” credit scores of 720 or above and reflect a .25% point interest rate reduction for automated payments deducted from a WCCU checking account. Add .25% to rate if automatic deduction is not completed. 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 $50,000, maximum term 10 years. Applicants must be a graduate of at least a four year accredited college/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.


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