Personal Loans

Personal/Signature Loan

A Signature (unsecured) Loan, also called a Personal loan, can be used for a variety of reasons such as vacation, unexpected expenses or home repairs to name a few.

Credit Union members may borrow between $500 - $50,000 based on their credit worthiness.

This Loan is established as a closed end, fixed rate loan with a set repayment period.

A Member can have only one signature loan outstanding at any given time. Other stipulations may apply.

Personal Line of Credit

Designed to protect a checking account from 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 a Personal Line of Credit. Rather, interest is charged on the outstanding balance.

Debt Consolidation Loans

Looking to reduce debt? We want to SAVE you money.
Do you have high-interest, unsecured debt from credit cards and personal loans? Are you thinking about refinancing your existing student loan from another lender? Simplify your debt with a Consolidation Loan. Consider combining high interest debt into a low-rate debt consolidation loan for one monthly payment and save!

Special Limited Time Offer - Available until March 31, 2026.
Rates as low as 6.74% APR* on a $10,000 loan (new money) with a 48-month term.

Get rid of high-interest-rate credit cards

Simplify debt into ONE payment at a fixed rate

Improve your credit score

Apply Online or Talk to a Loan Officer Today!

*APR=Annual Percentage Rate. Special Debt Consolidation Loan rate is for loans of $10,000+ (new money only).
Rate is the lowest offered and includes a .25% discount for automatic payment option. Interest rate calculations based on borrower’s credit history. Other rates and terms available. Offer available 1/1/2026 to 3/31/2026 and subject to change. Payment example based on a $10,000 loan; the approximate monthly payment would be $239.00 at 6.74% APR with a 48-month term.

How can we save you money?

A WCTFCU Representative will reach out to you to discuss opportunities for saving.

First & Last Name *
Phone/Text *
Email *
Are you a WCTFCU Member? *
Yes No
Your preferred method of contact *
Inquiry Type *
Yes, pull my credit and start the application process No, do not pull my credit. I am looking for general information.

Our staff will review your answers and work to find the right fit for you.

Approximately how much debt would you like to consolidate? *
Name of current Employer, Title, Salary *
What is your current housing payment and years at address? *

Credit Rebuilder Loan

The purpose of this loan is to assist members with impaired credit scores to rebuild their credit. The maximum term for this loan is 12-months, and the proceeds are deposited and held in a separate share account.

Members will make direct payments to the credit union. There is no corresponding rate reduction for payments made through direct deposit, payroll deduction, or automatic transfer from shares.

Flex Loan

The FLEX Loan (Flexible Lending for Extra eXpenses) is a short term (up to 12 months) unsecured loan that affords Members a lower rate of interest based on the short repayment period.

The FLEX Loan was established to assist members with one-time or short-term expenses they may incur such as summer expenses, vacation, wedding, medical or tax expenses. (When borrowing for summer expenses, payments may be deferred for the summer months, and begin in September when Teachers & Administrators' payroll resumes.)

Members can borrow up to a maximum amount of $5,000.00 for a term of one year. Payments through payroll deduction, ACH or automatic payment from a WCTFCU account are a requirement for a FLEX loan.

A Member can have only one FLEX Loan outstanding at any given time. Other stipulations may apply. Please contact the Lending Department for further information.