Great Rates & Member Benefits

WCTFCU offers a wide variety of loans, credit cards and lines of credit at competitive rates, flexible repayment options, with no application fees, no points, and no closing costs! 

Qualified Members may receive up to $30,000 in life insurance on their Credit Union loan. 

View our Competitive Loan Rates!

It's easy to apply for a Loan

Apply online, visit the branch, or speak to a Loan Officer over-the-phone. Receive an approval in as little as 15 minutes! The Credit Union is here for all of your lending needs.

Personal Loans

Credit Builder Loan
Debt Consolidation
Personal / Over-draft Line of Credit
Share or Certificate Secured Loan
Signature Unsecured Loan 
Flex Loan

Vehicle Loans

Auto Lease Program
Auto & Vehicle Loans, New & Used 
Boat & RV Loans
Car Buying tools
Credit Disability & Credit Life Insurance
GAP Insurance & Extended Warranty
Motorcycle Loans

Home Loans

Home Equity Line of Credit
Home Equity Loans/Second Mortgages
Home Equity Accelerator Loan 
Loan Comparison Calculator
New Home Mortgages
Online Application
Reverse Mortgage

Student Loans

Graduate Student Loans
Undergraduate Student Loans

Protect What Matters

Credit Disability payment protection products can help ease the financial concerns for you and your family if an unexpected financial challenge occurs. Consider, who would pay your bills if you became suddenly ill or injured, or if there was an unexpected death? Imagine your family’s wallet without your paycheck. You can purchase credit disability through WCTFCU at extremely competitive rates. Benefits include:

  • Protection - Credit Disability or Loan protection helps insure that your loan will not end up in default if you die, or become disabled and are unable to work.
  • Convenience – Apply for this insurance when you apply for your loan and you can include this monthly premium with your monthly loan payment.
  • Support - Employer provided disability may not be enough protection. Bills could begin to pile up as you try to regain your health and your earning capacity.
Payment Protection comes with a 30 day no obligation policy. That means when you apply for Payment Protection coverage, you have 30 days to review your plan and decide that you want to keep the policy or cancel it without obligation; any premiums paid will be refunded. Need more information? Ask your WCTFCU Loan Officer.

Loans FAQs