Loan Rates

We charge less so you get more!

  • New, used, refinance auto loans
  • Equity Loans with flexible options
  • Great terms and rates
New, used, refinance auto loans
Equity Loans with flexible options
Great terms and rates

Big purchases and big decisions can be stressful

We make it easier at WCCU. Our experts are here to help you decide on the loans you will need to buy your home, finance or refinance your car, cover college expenses, finance a home repair or addition, and more! We will explain everything, answer all your questions and match you to the loan that fits your needs.
 

AUTO LOAN RATES

New Auto Loans 2023 and Newer

Term APR* Monthly Payments per $1000 Borrowed
3 years 5.99% $30.42
4 years 5.99% $23.48
5 years 5.99% $19.33
6 years 6.49% $16.81
7 years 8.29% $15.75
8 years 8.54% $14.95

Used Auto Loans 2021 and Newer

Term APR* Monthly Payments per $1000 Borrowed
6 years 6.49% $16.81

Used Auto Loans 2019 - 2023

Term APR* Monthly Payments per $1000 borrowed
3 years 5.99% $30.42
4 years 5.99% $23.48
5 years 5.99% $19.33

Used Auto Loans 2018 - 2018

Term APR* Monthly Payments per $1000 borrowed
5 years 6.99% 19.80

Used Auto Loans 2015 and Older

Term APR* Monthly Payments per $1000 Borrowed
4 years 8.49% $24.65

Motorcycle Loan 2018 and Newer

Term APR* Monthly Payments per $1000 borrowed
3 years 11.53% $33.03
4 years 11.53% $26.13
5 years 11.53% $22.03

*Annual Percentage Rate (APR) is effective as of  and subject to change without notice. There is a minimum loan amount of $25,000 for 84 months and $40,000 for 96 months. Rates shown are for members with an “A” credit score of 720 or above and reflect a 0.75% point interest rate reduction for automatic loan payments deducted from a WCCU Checking Account which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not be applied. Payments do not reflect any additional cost for Payment Protection. Refinancing for new loans only. Maximum LTV is 100% for used auto loans 2016 - 2018 and 90% LTV for used auto loans 2015 and older. Rates subject to change. Other rates and terms available.

Personal Loans

Program Term APR* Monthly Payments per $1000 borrowed
Personal Loan 3 years 9.99% $32.26
4 years 9.99% $25.36
5 years 9.99% $21.25
Personal Line of Credit 14.50% varies

*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 720 or above and reflect a 0.75% point interest rate reduction for automatic loan payments deducted from a WCCU Checking Account which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not be applied. Payments do not reflect any additional cost for Payment Protection. Other rates and terms are available. 

 

 

Home Improvement Loan

Term APR* Monthly Payments per $1000 borrowed
5 Years 7.25% $19.94
7 Years 7.50% $15.35
10 Years 7.75% $12.01

*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 720 or above and reflect a 0.75% point interest rate reduction for automatic loan payments deducted from a WCCU Checking Account which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not be applied. 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.

Refi Home Loan

Program Term APR* Monthly Payments per $1000 borrowed
8 Year Refi Home Loan 8 years 6.375% $13.33
12 Year Refi Home Loan 12 years 6.75% $10.16
17 Year Refi Home Loan 17 years 7.25% $8.55

*Annual Percentage Rate (APR) is effective as of  and subject to change without notice. Rates shown require an “A” credit score of 720 or above and reflect a 0.75% point interest rate reduction for automatic loan payments deducted from a WCCU Checking Account  which must be scheduled at the time of loan closing. If the above requirements are not met, discount will not be applied. 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.

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, RichmondWakefield, and Coventry.

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.