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 2021 and Newer
| Term | APR* | Monthly Payments per $1000 Borrowed |
|---|---|---|
| 3 years | 3.24% | $29.19 |
| 4 years | 3.24% | $22.25 |
| 5 years | 3.24% | $18.09 |
| 6 years | 3.74% | $15.53 |
| 7 years | 5.04% | $14.16 |
| 8 years | 5.29% | $12.81 |
Used Auto Loans 2019 and Newer
| Term | APR* | Monthly Payments per $1000 Borrowed |
|---|---|---|
| 6 years | 3.74% | $15.53 |
Used Auto Loans 2017 and Newer
| Term | APR* | Monthly Payments per $1000 borrowed |
|---|---|---|
| 3 years | 3.24% | $29.19 |
| 4 years | 3.24% | $22.25 |
| 5 years | 3.24% | $18.09 |
Used Auto Loans 2016 and Older
| Term | APR* | Monthly Payments per $1000 borrowed |
|---|---|---|
| 4 years | 5.94% | $23.47 |
Motorcycle Loan 2016 and Newer
| Term | APR* | Monthly Payments per $1000 borrowed |
|---|---|---|
| 3 years | 8.28% | $31.47 |
| 4 years | 8.28% | $24.55 |
| 5 years | 8.28% | $20.42 |
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. Payments do not reflect any additional cost for Payment Protection. Refinancing for new loans only. Rates subject to change. Other rates and terms available.
Personal Loans
| Program | Term | APR* | Monthly Payments per $1000 borrowed |
|---|---|---|---|
| Personal Loan | 3 years | 6.99% | $30.88 |
| 4 years | 6.99% | $23.95 | |
| 5 years | 6.99% | $19.81 | |
| Personal Line of Credit** | 11.50% | varies |
*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. 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 | 5.750% | $19.23 |
| 7 Years | 6.000% | $14.62 |
| 10 Years | 6.250% | $11.24 |
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.
Refi Home Loan
| Program | Term | APR* | Monthly Payments per $1000 borrowed |
|---|---|---|---|
| 8 Year Refi Home Loan | 8 years | 4.500% | $12.43 |
| 12 Year Refi Home Loan | 12 years | 4.500% | $9.01 |
| 17 Year Refi Home Loan | 17 years | 5.000% | $7.29 |
Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.
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