The money's right there, anytime you need it
Next week it could be car repairs. Next month it could be tuition costs. Next year it might be a new 'fridge, a smartphone or a family vacation. You can't predict every future expense, but you can be prepared. A Flex Equity Line of Credit is a low-cost loan you can tap into anytime at all to pay for whatever comes next.
- Credit limit based on your home's equity
- Fast access to funds via eBanking, phone banking or WCCU branches
- Interest is charged only on the amount actually borrowed
- No origination or closing fees
And this line of credit comes with a twist!
Most credit lines come with a variable rate. That's also the case with WCCU's Flex Equity Line of Credit. But here's where we're different:
- If you like the current interest rate, you can request a cash advance and then lock in that rate on that portion of your loan.
- In fact, you can lock in two fixed-rate advances at any one time.
- By locking in rates, you gain the benefit of stable monthly payments and can potentially save money in long-term interest charges.
We'll help you make the most of this line of credit.
Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.

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