*** The loan rates shown are our premium rates based on Welcome Federal Credit Union’s risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice. 

The estimated monthly payment on a $25,000.00, 60-month loan at 4.50% APR is $466.07.

(Contact your branch for more information and full disclosures.)

^This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) may change as a result. The Annual Percentage Rate is based on your income, credit worthiness, the value of an index and the margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of each month preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

(Contact your branch for more information and full disclosures).

^*This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) and the minimum payment may change as a result. The APR is accurate as of January 31, 2026. The Annual Percentage Rate is based on your creditworthiness, the value of an index and the combined loan-to-value. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of January preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

To determine the Annual Percentage Rate that will apply to your account, we add a margin to the value of the index. If the rate is not already rounded, we then round up to the next .25%.

The Annual Percentage Rate can change annually on the first day of May. The rate cannot increase more than 1.0 percentage point in any one-year period. The Annual Percentage Rate cannot increase more than 5.0 percentage points above the initial rate. The maximum APR for a home equity line of credit is 15.0%. The minimum APR is 3.0%.

If the credit line is closed by the member and the deed of trust released within 24 months of the loan origination date, the member will be required to pay $500.00 towards the closing costs that were paid by WFCU on the member’s behalf.  If that event occurs, the $500.00 will be added to the payoff amount.

Federally insured by NCUA. Equal Housing Lender. NMLS# 411459

^This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) may change as a result. The Annual Percentage Rate is based on your income, credit worthiness, the value of an index and the margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of each month preceding any annual percentage rate adjustment. No interest is charged until you use the funds.

(Contact your branch for more information and full disclosures).

**Eligible property must be located within the State of North Carolina.

(Contact your branch for more information and full disclosures).