Other Loans

Have you been left wondering, “How will I ever pay for this?”

We have flexible consumer loans that can help establish payment history on a credit report, bridge the cost of buying a new home, consolidate higher-interest credit cards and loans, and help out with emergencies. Hey, we’ve all experienced a few bumps in the road. We make it our mission to help.

Whether you are in need of short-term cash for things such as a vacation, the holidays or taxes, or you need to take care of more important expenses over time, Welcome Credit Union has a consumer loan that’s right for you.

Stop wondering. Start doing.

Key Features

  • icon images Fixed Rates
  • icon images Fixed Terms
  • icon images Fixed Monthly Payments
  • icon images No Prepayment Fees
  • icon images No Application Fees
  • icon images Options for Various Needs

  • Debt Consolidation Loan

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  • Summer Vacation Line of Credit Loan

    • Plan for the perfect getaway
    • View rates
    • Terms up to 2 years
    • Loans of $1,000 to $2,500
    • No collateral required; loan is a revolving line-of-credit account
    • Advances made between May 1 and August 31
    • Credit Life and Credit Disability Insurance available to add peace of mind
    • Apply for a Personal Loan
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  • Holiday Line of Credit Loan

    • Enjoy the gift of giving
    • View rates
    • Terms up to 2 years
    • Loans of $1,000 to $2,500
    • No collateral required; loan is a revolving line-of-credit account
    • Advances made between October 1 and January 31
    • Credit Life and Credit Disability Insurance available to add peace of mind
    • Apply for a Personal Loan
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  • Share Secured Loan

    • Use your savings account as collateral for a loan
    • Borrow up to 100% of your savings account
    • Continue to earn dividends on your savings account
    • Rate calculated by share rate plus 3.00%
    • Apply for a Share Secured Loan
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  • Certificate Secured Loan

    • Use your share certificate as collateral for a loan
    • Borrow up to 90% of your share certificate
    • Continue to earn dividends on your share certificate
    • Rate calculated by certificate rate plus 2.00%
    • Apply for a Share Certificate Loan
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  • Bridge Loan

    • If you are expecting an influx of funds within 90 days, but need the money now, we have the help you need. If your funds are coming from a verifiable source, we may be able to loan you the money with a bridge loan.
    • View rates
    • Apply for a Bridge Loan
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  • Disaster Loan

    • Financial assistance should you be impacted by a natural disaster
    • View rates
    • Borrow up to $10,000
    • Interest-free for the first 90 days
    • Proof of insurance claim may be required
    • Apply for a Disaster Loan
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  • Tax Relief Loan

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*APR = Annual Percentage Rate. Eligibility, rates and terms on a personal loan are based on membership and creditworthiness. Payments and terms may vary. Subject to credit approval. See credit union for details. Federally insured by NCUA. Equal Opportunity Lender.

WFCU Annual Meeting - For Members Only - Mark Your Calendars: Wednesday, May 22

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, May 27 in observance of Memorial Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Wednesday, June 19 in observance of Juneteenth.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. The Zebulon-GSK branch will be closed July 1 - July 5.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, November 11 in observance of Veterans Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, 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.

Attention Members: Please be advised the Henderson Branch will be closing at 12:30 today, Friday, May 31st.

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