Pay less interest on your debt now! Replace your higher interest debt payments, with lower interest monthly payments when you role your debt to a WCTFCU Debt Consolidation Loan.

On-Demand Learning  To learn more about managing your debt, your credit rating, interest and much more, page-down to Money-Wise!.

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.

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Learn more about Credit & Managing your Debt

Knowledge is Power.
Do you have debt?  Most people do! A good credit rating and optimal management of your debt is attainable, and easy, once you know how!

Learn how to pay the least possible amount and get the best terms for the money and credit you need.

It is important to understand how the interest you pay on each of the debts you carry, and the amount of debt you carry with each lender/credit card - affects you and your monthly payments. 

Use our short Money Basics, and Financial Resolutions Courses (videos, etc.) to learn about:

Credit Scores & Reports, Loans & Payments
Fixed and variable interest rates
+ Use the Budgeting Tool & monthly payment calculations