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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!

Calculators

Auto Loans

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Car Loans – New or Used

We also offer Motorcycle & Home Improvement Loans!

Auto Loan Rates
Effective Date: Thursday, May 6th, 2021
ProgramTermAPR*Monthly Payments per $1000 borrowed
New-Used Auto Loans 2019 and Newer
  6 years 2.450% $14.95
New Auto Loans 2020 and Newer
  3 years 1.950% $28.62
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2016 - 2019
  3 years 1.950% $28.62
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2015 and Older
  4 years 4.650% $22.88
Motorcycle Loan 2015 and Newer
  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. 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

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Personal Loan

  • Short-term financing.
  • Borrow up to $50,000.
  • Fixed rate.
  • All we need is a signature.

Personal Line of Credit

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

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
Effective Date: Thursday, May 6th, 2021
ProgramTermAPR*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.


Apply NowApply Now

Home Improvement Loan
Effective Date: Thursday, May 6th, 2021
TermAPR*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.


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WCCU VISA® Credit Cards

Apply Now   Balance Transfer Form

Apply Now    Balance Transfer Form

WCCU offers VISA® Credit Cards to meet all of your credit needs. Every WCCU VISA® Credit Card comes with a low rate and no hidden fees.

Please select from the tabs below to find out which card best fits your needs.

WCCU VISA® Credit Card Benefits:

  • No Annual Fee*
  • Low Interest Rate
  • 24 Hour ATM Access for Cash Advances
  • Accepted Worldwide
  • Emergency Card Replacement
  • 24 Hour Member Service

Card Payment Options:

Download our Free eBanking App today!

Westerly CCU apple store mobile appWesterly CCU google play mobile app
 

Rewards VISA® Low Rate VISA® Secured VISA® Business VISA®

WCCU’s Rewards Platinum VISA® Credit Card allows you to earn excellent rewards such as airline travel and merchandise for each purchase you make.

Learn More

WCCU’s Low Rate VISA® Credit Card offers you a great low rate! Take advantage of our balance transfer offer to consolidate your debt and save money!

Learn More

WCCU’s Secured Platinum VISA® Credit Card offers you a great opportunity to take control of your finances and build or repair your credit.

Learn More

WCCU’s Business Platinum VISA® Credit Card offers you a great low rate with the flexible terms you need to run a successful business.

Learn More

calculators

Loan Rates

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Open Account Now

Auto Loan Rates
Effective Date: Thursday, May 6th, 2021
ProgramTermAPR*Monthly Payments per $1000 borrowed
New-Used Auto Loans 2019 and Newer
  6 years 2.450% $14.95
New Auto Loans 2020 and Newer
  3 years 1.950% $28.62
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2016 - 2019
  3 years 1.950% $28.62
  4 years 1.950% $21.68
  5 years 1.950% $17.51
Used Auto Loans 2015 and Older
  4 years 4.650% $22.88
Motorcycle Loan 2015 and Newer
  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. 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.


Apply Now Apply Now

Home Improvement Loan
Effective Date: Thursday, May 6th, 2021
TermAPR*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.


Apply Now Apply Now

Personal Loans
Effective Date: Thursday, May 6th, 2021
ProgramTermAPR*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.


Apply Now Apply Now

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