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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!

Personal Loans

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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

Personal Line of Credit

  • Short-term financing.
  • Borrow up to $50,000.
  • No minimum borrowing amount.
  • Access line anytime via Online & Mobile Banking, check, phone or in any location.
  • Only pay interest on amount drawn.

Home Improvement Loan
Effective Date: Wednesday, October 16th, 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.


Personal Loans
Effective Date: Wednesday, October 16th, 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**
    11.250% varies

*Annual Percentage Rate (APR) is subject to change without notice. Rates are shown for “A” credit scores of 680 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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