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 2021 and Newer

Term APR* Monthly Payments per $1000 Borrowed
3 years 2.250% $28.76
4 years 2.250% $21.81
5 years 2.250% $17.64
6 years 2.750% $15.09
7 years 4.050% $13.70
8 years 4.300% $12.34

Used Auto Loans 2019 and Newer

Term APR* Monthly Payments per $1000 Borrowed
6 years 2.750% $15.09

Used Auto Loans 2017 - 2018

Term APR* Monthly Payments per $1000 borrowed
3 years 2.250% $28.76
4 years 2.250% $21.81
5 years 2.250% $17.64

Used Auto Loans 2016 and Older

Term APR* Monthly Payments per $1000 borrowed
4 years 4.950% $23.02

Motorcycle Loan 2016 and Newer

Term APR* Monthly Payments per $1000 borrowed
3 years 7.240% $31.01
4 years 7.240% $24.08
5 years 7.240% $19.93
*Annual Percentage Rate (APR) is 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 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 5.990% $30.42
4 years 5.990% $23.48
5 years 5.990% $19.33
Personal Line of Credit** 9.250% 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 5.250% $18.99
7 Years 5.500% $14.38
10 Years 5.750% $10.98
*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. 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 3.375% $11.91
12 Year Refi Home Loan 12 years 3.625% $8.58
17 Year Refi Home Loan 17 years 4.375% $6.96
*Annual Percentage Rate (APR) subject to change without notice. Rates shown require an “A” credit score of 680 or above. Rate also reflects 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. 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. WCCU NMLS ID # 518892.
 

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

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