Products and Services - Loans and Rates

(All loan rates are based upon Credit Score. All quoted rates are "As Low As".)

We offer a variety of low interest loans to meet our members' needs. Borrowing from your Credit Union offers these distinct advantages:

• No Application Fee
• Low competitive rates
• Quick loan request turnaround
• Pre-payment allowed without penalty
• Payroll deduction service for easy, automatic payments
• Automatic monthly payments from your Wexford Community Credit Union account
• For your protection, Credit Life/Disability Insurance is available for a low cost*

*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the National Credit Union Administration or any other federal government agency.

There are no requirements or obligations to purchase insurance from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way.  The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.

Having a lending partner you know and trust is very important to a good financial relationship. Being a member of Wexford Community Credit Union opens the door to great rates, friendly service and the assurance of doing business with a community partner. We offer a variety of low interest loans to meet our member's needs. We are dedicated to providing you with the excellent service you deserve.

If you have a question or problem with your Wexford Community Credit Union Loan you can just call our office and talk to a loan officer. No need to call someone in another state and keep getting transferred from one person to another and being put on hold. We service all of our loans here in Cadillac.

Information we need when you are applying for a loan:

• A completed application, if you have not filled one out before
• Proof of income - a copy of a recent paycheck stub, a copy of your current year W-2 form, or in cases of self-employment, your previous year income tax return

Click below for loans

Interest rates based on Credit Score

Auto Loans/Boats/RVs/Campers/Motorcycles/ATVs
Snowmobiles/Other/Untitled
Signature (Advance) Loans
Secured Loans
Share Secured Loans
Line of Credit Loans
Home Improvement Loans

Home Equity Loans

Save interest, pay off loans sooner with payroll direct payments!
Contact the credit union for details

Monthly Payment Calculator

Note:  This calculator is provided as a tool to estimate a loan payment.  It is not a guarantee for a loan, nor serve as pre-approval for a loan.  Please contact the Loan Department at 231-775-2081 or 231-839-2081 for actual loan information.

Amortization Schedule Calculator

Secured Loans & Rates

Wexford Community Credit Union offers great interest rates whether you are purchasing new or used! We offer new and used collateral loans on the following:

• Cars, Trucks, and Vans - tired of spending all that money on car repairs we will help you get the vehicle of your dreams.
• Recreational Vehicles - Motor Homes, 5th Wheels, Travel Trailers, and Camper Trailers - to help make your weekend a little more relaxing
• Boats - wouldn't you love to be in a boat this summer. Fishing, water skiing, tubing or just riding around.

If you have already made the purchase, and have a loan, don't worry about missing Wexford Community Credit Union's great rates. Refinance with us today!

[Back to Top]

Auto Loans/Boats/RVs/Campers/Motorcycles/ATV

*ALL RATES ARE BASED ON CREDIT SCORE, PUBLISHED RATES ARE "AS LOW AS" RATES

*Rates effective beginning October 01, 2008.

[Back to top]

Snowmobile/Other/Untitled:

Interest Rate: 8.25% APR*

Terms of loans may vary, please call our Loan Department at (231) 775-2081 OR 231-  839-2081.

*Loan rates are effective beginning 03/01/08.

[Back to Top]

Signature (Advance) Loan Rates:

Wexford Community Credit Union offers Unsecured/Signature Loans to help you get the things you need: car repair, furniture, debt consolidation, and home improvements.

Minimum payment: Will never be less than $35.00 monthly.

*Loan rates are effective beginning 10/14/08.

[Back to Top]

Share Secured Loan & Rates

Interest Rate: 5.25% APR*

Are you having trouble re-establishing credit or getting a loan? Or do you have funds to cover a loan in savings, but you want to keep funds in savings? Then our Share Secured Loans are for you.

Share Secured Loans are great for members who need to re-establish credit history or are having trouble getting credit. And since these loans are secured by a Share (Savings) account, it is offered at our lowest rate of interest.

Share Secured Loans are also great for members who have enough funds in a savings to cover the loan, but do not want to use the Share (Savings) account. No need to take the money out, use it to secure the funds that you need, while you continue to earn interest on the funds in the savings. And you get a great rate on the loan.

• 100% of loan balance will be secured with a Wexford Community Credit Union Share (Savings) account.
• Terms up to 60 months.

*Loan rates are effective beginning 03/01/08.

[Back to Top]

Overdraft Protection / Line of Credit Loan & Rates

Interest Rate: 9.90% APR*

This loan is a line of credit that is attached to your checking/share (savings) account and is activated when used for overdraft protection or for a revolving line of credit.

• Funds will be automatically disbursed from the Line of Credit loan to cover an overdraft
• NO return check fees to pay
• Overdraft advances given in increments of $100.00

Minimum payment: Will never be less than $35.00 monthly.
*Loan rates are effective beginning 04/02/07.

[Back to Top]

Home Improvement Loan Rates

*Loan rates are effective beginning 10/01/08.

[Back to Top]        

      Home Equity Loans

*Loan rates are effective beginning 10/01/08.

[Back to Top]