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.

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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.