Lock in rates as low as 4.5% APR and drive home happy.*
Already have an auto loan? We’ll try to beat your rate by 0.5%*
Shop with confidence knowing your financing is ready.
We are thrilled to offer personalized service, expert financial guidance, and access to in-person support.
Get quick answers, personalized assistance without leaving home. Select Option #4 to connect directly to our Loan Department.
Email us for personalized, easy, and fast support. A member representative will reply loandept@welcomecu.org
Rates as low as 4.50%. With a floor rate as low as 4.00%, depending on your credit, terms, new/used.*
Yes, Welcome FCU may be able to help you refinance your current car loan and lower your rate by up to 0.50%.*
Just ask your loan officer about Welcome CarConnection when you apply for your auto loan. They’ll guide you through a few quick steps to get you connected and ready to shop for your next vehicle.
You do not have to be a member to apply. You may submit the application and then, if you qualify, become a member to complete the loan request.
During work hours, we aim to provide approval, if applicable, no more than four (4) hours from the time of application submission.
*APR=Annual Percentage Rate. Restrictions apply. Your loan rate is based on WFCU’s risk based pricing program. Your rate may
vary and is determined by your credit score, amount financed, collateral, and loan term. The amount financed must be $5,000 or
greater. Promotion ends on February 27, 2026. All loans are subject to credit approval. Membership eligibility required. See credit
union for details. Federally insured by NCUA. Offer is subject to change at any time without notice. This cannot be combined with
any other offers. This is a one-time, limited offer and may be canceled at any time.
🗓️ Scheduled Maintenance: Online banking will be temporarily unavailable on May 19, 2026, from 2:00 a.m. ET to 9:00 a.m. ET as we complete a scheduled upgrade. We appreciate your patience.
🗓️ Welcome Federal Credit Union will be closed on Wednesday, November 11 in observance of Veterans Day.
🗓️ Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 26 & 27, 2025.
🗓️ As we close out 2026 and think forward to 2027, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule.
Our auditors, Cantey Tiller Pierce & Green, LLP, may contact select members for routine account verification. Thank you for your careful review.