We Have Great Rates!
-
Auto Loans
as low as
6.00% APR
-
Certificates
as high as
5.60% APR
-
Credit Cards
as low as
13.24% APR
-
Personal Line
of Credit as low as 12.24% APR -
Home Equity
Line of Credit as low as 8.25% APR -
Home Loans
Phone for Quote
888-932-8148
- Auto Loans
- Personal Loans
- Credit Cards
- Home Equity Lines of Credit
- Individual Lines of Credit
- Other
New Vehicles
| Approximate Term | Annual Percentage Rate (APR) |
|---|---|
| New Cars, Trucks, and SUVs: Up to 60 Months | As low as 6.00%*** |
| New Cars, Trucks, and SUVs: 61 Months - 84 Months | As low as 6.75%*** |
| New Boats, RVs, Motorcycles, and Other Vehicles: Up to 60 Months | As low as 8.00%*** |
| New Boats and RVs: 61 Months to 84 Months | As low as 8.75%*** |
| New Boats and RVs: Loan >$40,000 and term >84 Months (up to 120 Months) | As low as 9.75%*** |
| New Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months) | As low as 9.75%*** |
Used Vehicles
| Approximate Term | Annual Percentage Rate (APR) |
|---|---|
| Used Cars, Trucks, SUVs, and Classics: Up to 60 Months | As low as 6.50%*** |
| Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months | As low as 7.25%*** |
| Used Boats, RV's, Motorcycles, and Other Vehicles: Up to 60 Months | As low as 8.50%*** |
| Used Boats and RV's: 61 months to 84 months | As low as 9.25%*** |
| Used Boats, RVs, and Classic Autos: Loan >$40,000 and term >84 Months (up to 120 Months) | As low as 10.25%*** |
| Used Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months) | As low as 10.25%*** |
*** 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 6.00% APR is $483.45.
(Contact your branch for more information and full disclosures.)
Personal Loans
| Loan Types | Annual Percentage Rate (APR) |
|---|---|
| Disaster Loans | 12.00% |
| Debt Consolidation Loans | 16.00% |
| Bridge Loans | 14.00% |
| Tax Relief Loans | 14.00% |
^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).
Home Equity Lines of Credit
| Loan Types | Annual Percentage Rate (APR) |
|---|---|
| Home Equity Line of Credit Loans ** | As low as 8.25% - APR is Based on Combined Loan-to-Value, your creditworthiness, and the Index**** |
**Eligible property must be located within the State of North Carolina.
****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 August 1, 2023. 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 the January preceding any annual percentage rate adjustment. No interest is charged until you use the funds. The maximum APR for a home equity line of credit is 15.0%.
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.
(Contact your branch for more information and full disclosures).
Individual Lines of Credit
| Loan Types | Annual Percentage Rate (APR) |
|---|---|
| Line of Credit Loans - Variable Rate^ | APR is Based on your income, your creditworthiness, the Index and a margin^ |
| Overdraft Line of Credit Loans - Variable Rate^ | APR is Based on your income, your creditworthiness, the Index and a margin^ |
| Line of Credit Loans | 14.00% |
| Overdraft Line of Credit Loans | 14.00% |
| Holiday Line of Credit Loans | 14.00% |
| Summer Vacation Line of Credit Loans | 14.00% |
^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).
Other
| Loan Types | Annual Percentage Rate (APR) |
|---|---|
| Share Loans | Share Rate Plus 3.00% |
| Certificate Secured Loans | Certificate Rate Plus 2.00% |
| Land Loans ** | 9.00% |
**Eligible property must be located within the State of North Carolina.
(Contact your branch for more information and full disclosures).