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 a portion 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.

Open a Flex Equity Line of Credit today and receive a 12-month intro. rate as low as 1.99% APR*, then variable rate as low as 2.99% APR*.

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 20 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.

*Rates and offer as of 3/1/2021 are subject to change. After 12 month introductory rate period, 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: $10,000-$99,999.99 is Prime-0.25%, $100,000 and over is Prime-0.50%.  APR will never be more than 18% or less than 2.99% after the initial fixed period. **1-4 family owner occupied properties only. 80% maximum combined loan to value. ***Minimum loan $10,000 (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 (repayment terms up to 15 years for each draw). 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 10 years.
• No prepayment penalties.

Loan Payment Protection

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

Flex Equity Line of Credit
Effective Date: Thursday, May 6th, 2021
Program	Term	APR*	Loan Size	Monthly Payments per $1000 borrowed
Introductory Rate Special	12 Months	1.990%		varies
Line of Credit
		3.250%	$10,000 - $99,999.99	varies
		3.250%	$100,000 and above	varies
Fixed Rate Advance
	5 years	2.990%		$17.97
	10 years	3.740%		$10.01
	15 years	4.250%		$7.53

*After 12 month introductory rate period, 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: $10,000-$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 $10,000 (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 (repayment terms up to 15 years for each draw). 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. Offer subject to change at any time. WCCU NMLS ID # 518892.

Home Equity Loan (First Lien Position)
Effective Date: Thursday, May 6th, 2021
Program	Term	APR*	Monthly Payments per $1000 borrowed
7 Year Home Equity Loan
	7 years	2.500%	$12.99
10 Year Home Equity Loan
	10 years	2.625%	$9.49
15 Year Home Equity Loan
	15 years	2.875%	$6.85
20 Year Home Equity Loan
	20 years	3.000%	$5.55

*Annual Percentage Rate (APR) subject to change without notice. Rates shown require an “A” credit score of 680 or above. Rate also reflects 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. Owner occupied only. Minimum loan amount is $10,000. Maximum loan amount is $350,000. 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. Requires First Lien Position. 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: Thursday, May 6th, 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.

calculators

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help told for your independent use. We cannot and do not guarantee their accuracy. All examples are for illustrative purposes.

Mortgage & Home Equity Rates

Mortgages
Rates subject to change at any time. Rates shown are as of May 6th, 2021.
Program	Term	Interest Rate	APR*	Monthly Payments per $1000 borrowed
Fixed Rate Mortgages* (Loan amounts up to $548,250)
	15 years	2.500%	2.613%	$6.67
	20 years	2.875%	2.963%	$5.50
	30 years	3.000%	3.063%	$4.22
Adjustable Rate Mortgages
5/1 Mortgage**
	30 years	2.625%	2.937%	$4.02
10/1 Mortgage***
	30 years	2.875%	2.963%	$4.15
7/1 First Time Homebuyer Mortgage****
	30 years	2.750%	2.970%	$4.09

*The interest rates, annual percentage rates (APRs), and discount points are subject to change without notice. APR is based on 40% equity and a credit score of 740 or greater. Loan amounts up to $548,250. Your APR will vary based on your final loan amount and finance charges. All Mortgage rates listed are based on 0 discount points. The monthly amount shown includes principal and interest. Your actual monthly payment will be higher if an escrow/impound account is established. Property insurance (and flood insurance if applicable) required. **After the initial term of five years, the APR, interest rate, principal, and interest payment will adjust based on market-driven changes to the U.S. 1 Year Treasury Constant Maturity Rate – the “index” plus 2.75% - the “margin.” The maximum increase per adjustment period is 2% with a lifetime cap of 6%. Other restrictions may apply. ***After the initial term of ten years, the APR, interest rate, principal, and interest payment will adjust based on market-driven changes to the U.S. 1 Year Treasury Constant Maturity Rate – the “index” plus 2.75% - the “margin.” The maximum increase per adjustment period is 2% with a lifetime cap of 6%. Other restrictions may apply.****After the initial term of seven years, the APR, interest rate, principal, and interest payment will adjust based on market-driven changes to the U.S. 1 Year Treasury Constant Maturity Rate – the “index” plus 2.75% - the “margin.” The maximum increase per adjustment period is 2% with a lifetime cap of 6%. Requires a minimum credit score of 720. Other restrictions may apply. WCCU NMLS ID # 518892.

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Flex Equity Line of Credit
Effective Date: Thursday, May 6th, 2021
Program	Term	APR*	Loan Size	Monthly Payments per $1000 borrowed
Introductory Rate Special	12 Months	1.990%		varies
Line of Credit
		3.250%	$10,000 - $99,999.99	varies
		3.250%	$100,000 and above	varies
Fixed Rate Advance
	5 years	2.990%		$17.97
	10 years	3.740%		$10.01
	15 years	4.250%		$7.53

*After 12 month introductory rate period, 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: $10,000-$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 $10,000 (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 (repayment terms up to 15 years for each draw). 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. Offer subject to change at any time. WCCU NMLS ID # 518892.

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Home Equity Loan (First Lien Position)
Effective Date: Thursday, May 6th, 2021
Program	Term	APR*	Monthly Payments per $1000 borrowed
7 Year Home Equity Loan
	7 years	2.500%	$12.99
10 Year Home Equity Loan
	10 years	2.625%	$9.49
15 Year Home Equity Loan
	15 years	2.875%	$6.85
20 Year Home Equity Loan
	20 years	3.000%	$5.55

*Annual Percentage Rate (APR) subject to change without notice. Rates shown require an “A” credit score of 680 or above. Rate also reflects 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. Owner occupied only. Minimum loan amount is $10,000. Maximum loan amount is $350,000. 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. Requires First Lien Position. 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.

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