Loan Information & Rates

Having a lending partner you know and trust is very important for 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 are dedicated to providing you with the excellent service you deserve.  If you have a question or a concern regarding your Wexford Community Credit Union Loan, you may call our office and talk directly to a loan officer. We service all of our loans here in Cadillac.

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 NCUA or any other federal government agency.

All loan rates are based upon Credit Score. All quoted rates are “As Low As”.  All loan rates are effective 2/1/2017 .

Loan Rates*

Vehicles: Autos, Cycles, RVs, Boats, UTVs   APR
     2017-2016 Up to 72 months 2.50%
     2015-2013 Up to 72 months 2.50%
     2012-2010 Up to 60 months 3.00%
     2009-2007 Up to 60 months 3.25%
     2006 & Older Up to 48 months 4.00%
     
Home Equity Loans Up to 84 months 4.00%
Home Equity Loans Up to 120 months 4.25%
Home Equity Loans Up to 180 months 4.50%
Share-Secured Loan Up to 48 months 3.00%
Share-Secured VISA  Revolving Credit 3.00%

*Rates are effective 8/2/2017.

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:

  • Automobiles
  • Recreational Vehicles – Motor Homes, 5th Wheels, Travel Trailers, and Camper Trailers
  • Boats

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!

Auto Loans, Boats, RVs, Campers, Motorcycles, UTVs, and Classic Cars

If it has a title, we can finance it!

*All rates are based on credit score. Published rates are “as low as” rates.

Snowmobile/Other/Untitled

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

Signature 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.

Share-Secured Loan & Rates

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 48 months.

Overdraft Protection / Line of Credit Loan & Rates

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/month.

Calculators

Monthly Payment Calculator

Note: This calculator is provided as a tool to estimate a loan payment, and results may not be reflective of your actual situation.  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

Note: This calculator is provided as a tool to estimate a loan payment, and results may not be reflective of your actual situation.  It is not a guarantee for a loan, nor serves as pre-approval for a loan.  Please contact the Loan Department at 231-775-2081 or 231-839-2081 for actual loan information.