Personal Loans

Your hard earned money shouldn’t be wasted on high-interest debt. Your strong credit history could save you thousands in interest with a personal loan or personal line of credit.

You can go online right now and take control of your finances. Pay off credit cards. Remodel your home. Pay medical bills. Make a large purchase. Relocate, travel and more. Gain a clear payment timeline and consolidate multiple bills into one monthly payment.

Don’t you deserve manageable, lower monthly payments? With no collateral required, a Welcome Credit Union personal loan or personal line of credit delivers the funds for whatever you need.

Get started today.

Key Features

  • icon images Payoff High-Interest Bills
  • icon images Lower Monthly Payments
  • icon images Get Funds Fast
  • icon images No Origination Fees
  • icon images No Prepayment Fees
  • icon images Borrow Up to $25,000*

  • Personal Line of Credit

    • Check your rate – your strong credit history could save you thousands in interest
    • Revolving line of credit from $1,000 to $25,000*
    • Payment based on amount used, not amount on your line of credit
    • Credit Life and Credit Disability Insurance available
    • Apply for a Personal Line of Credit
  • Overdraft Line of Credit

    • Revolving line of credit up to $10,000*
    • Check your rate – your strong credit history could save you thousands in interest
    • Transfer funds to protect against overdraws on your checking account
    •  No cost unless you overdraft
    • Credit Life and Credit Disability Insurance available
    • Apply for an Overdraft Line of Credit

 


*Rates on a line of credit are based on WSJ prime plus a margin (based on credit qualifications and income). Rates are subject to change monthly on the first business day of the month. Payments and terms may vary. Subject to credit approval.

🗓️ 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.

🗓️ Henderson Branch: Our Henderson branch will be open from 10 AM - 3 PM on Thursday, August 20.

🗓️ Welcome Federal Credit Union will be closed on Monday, May 25 in observance of Memorial Day.

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

🗓️ Welcome Federal Credit Union will be closed on Friday, July 3 in observance of the 4th of July.

🗓️ Welcome Federal Credit Union will be closed on Monday, September 7 in observance of Labor Day.

🗓️ Welcome Federal Credit Union will be closed on Monday, October 12 in observance of Columbus Day. 

🗓️ 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.

🗓️ Mark your calendar: WFCU's 2026 Annual Meeting - Members Only -  is Wednesday, May 20. RSVP today!

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