We offer free life insurance up to $30,000 on every WCTFCU loan.

Home Equity Line Of Credit

With a variable rate credit union home equity line of credit you can use the equity in your home to make home improvements, consolidate high-interest debt, finance your education, and much more. Once your line is approved, you’ll have the freedom to access the approved funds simply by writing a check! Home Loan closing costs are waived unless line is closed within 2 years of opening.

Home Equity Loans/Second Mortgages

If you prefer the predictability of a fixed rate home equity loan, you can use the equity in your home to make improvements or consolidate high-interest debt, or if you simply want to pay off your existing mortgage with a low interest credit union mortgage, we can help.

New and Used Vehicle

While we offer you a broad range of services, we consider ourselves to be vehicle lending specialists. In fact, we have so many vehicle related services to offer you that you can actually buy AND finance a new or used vehicle without enduring the hassle of automobile dealerships. You can also purchase credit disability and credit life insurance through WCTFCU at rates which are a fraction of what a dealer will charge you.

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Signature Loans

A signature loan is granted to members whose credit worthiness qualifies them to borrow money based on their signature alone. The minimum amount for which a member can apply is $500 and the maximum is $25,000. Our signature loans are granted for almost any purpose, and may at times require a co-signer.

Share Secured Loan

Members may choose to borrow against the funds in their share or certificate account. The share or certificate account will continue to earn dividends while the member enjoys a reduced loan rate.

Personal Line Of Credit

A personal line of credit is designed to protect a checking account from embarrassing overdrafts, while giving you increased buying power. The line is activated in $100 increments whenever your checking account balance is not sufficient to cover a check that is presented for payment. There is no charge for the line, but interest is charged on the outstanding balance

Student Loans

At WCTFCU we offer a unique student loan program. Unlike other student loans, qualification is not based on "need". While helping to pay for a college education, your student will also be establishing a credit history. Features include a low interest rate and small monthly payments. This program is for full and part time students. Of course, we also continue to offer the traditional Stafford and PLUS government loans