Products & Services - Loan Information & Rates

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 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 10/01/09.

Click on the links below for more information on each item.

• Secured Loans & Rates
• Auto Loans/Boats/RVs/Campers/Motorcycles/ATVs
• Snowmobiles/Other/Untitled
• Signature (Advance) Loans
• Share Secured Loans
• Overdraft Protection / Line of Credit Loan & Rates
• Home Improvement Loans
• Home Equity Loans

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!

YEAR OF VECHILE ANNUAL PERCENTAGE RATE TERM OF LOAN     New & Used 2009-2010 4.50%* 36 - 60 Months     New & Used 2009-2010 5.50%* 72 Months     2008 5.75%* 36 - 60 Months     2006-2007 6.00%* 36 - 60 Months     2004-2005 6.00%* 36 - 48 Months     2003-2004 7.00%* 60 Months     RV/Camper/Boat/Motorcycle *Extended Term* (Over $10,000) 8.75%* 96 Months

*All rates are based on credit score.  Published rates are "as low as" rates.  Rates are effective 10/01/09.

Interest Rate: 8.25% APR*

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

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

INTEREST RATE - ANNUAL PERCENTAGE RATE (APR*) TERM OF LOAN     8.50% - 15.50% 36 - 72 Months

Minimum payment will never be less than $35.00/month.
 

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 36 months.

Interest Rate: 7.90% - 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/month.

INTEREST RATE - ANNUAL PERCENTAGE RATE (APR*) TERM OF LOAN     6.25% - 9.00% 36 - 84 Months

INTEREST RATE - ANNUAL PERCENTAGE RATE (APR*) TERM OF LOAN     VARIABLE - 5.00% 15 Years     FIXED - 6.50% 15 Years

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