Big purchases and big decisions can be stressful
We make it easier at WCCU. Our experts are here to help you decide on the loan you need to finance your next project, refinance your home, pay for college expenses, cover a home repair, and more! We will explain everything, answer all your questions and match you to the loan that fits your needs.
HOME EQUITY RATES
Flex Equity Line Of Credit
|Program||Term||APR*||Loan Size||Monthly Payments per $1000 borrowed|
|Introductory Rate Special||6 Months||3.990%||varies|
|Line of Credit||7.500%||$10,000 - $99,999.99||varies|
|7.750%||$100,000 and above||varies|
|Fixed Rate Advance|
Refi Home Loan
|Program||Term||APR*||Monthly Payments per $1000 borrowed|
|8 Year Refi Home Loan||8 years||4.500%||$12.243|
|12 Year Refi Home Loan||12 years||4.875%||$9.19|
|17 Year Refi Home Loan||17 years||5.375%||$7.50|
*Annual Percentage Rate (APR) is effective as of and subject to change without notice. Rates shown require an “A” credit score of 680 or above. 0.75% point interest rate reduction requires 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. 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. Monthly payments do not include insurance and taxes. WCCU NMLS ID # 518892.
Home Improvement Loan
|Term||APR*||Monthly Payments per $1000 borrowed|
*Annual Percentage Rate (APR) is effective as of and subject to change without notice. Rates shown are for members with an “A” credit score of 680 or above. 0.75% point interest rate reduction requires 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. 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.
Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.