WCCU Loan Options

Your Wexford Community Credit Union membership opens the door to great rates, friendly service and the assurance of doing business with a dedicated community partner.


We are committed to providing you with the excellent service and attention you deserve.

Below you will find links to many WCCU forms that are downloadable for your convenience. Please note that these forms must be presented at a branch for processing, as we do not allow for electronic transmission of your information to ensure your protection.

WCCU Advantage

Having a lending partner you know and trust is very important to establish a good financial relationship. 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 locally.

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

  • No Application Fee
  • Low competitive rates
  • Quick loan request turnaround
  • Pre-payment allowed without penalty
  • Payroll deduction service for easy, automatic payments
  • Optional automatic monthly payments
  • 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.

If you are not yet a member, apply here!

WCCU Loans


WCCU Mortgage |                Local. Trusted. Simple.



Buy a Home | Learn More

Looking to purchase a home? WCCU offers local mortgage servicing with the people you have come to know and trust. Down payments as low as 3%, fixed and adjustable rate mortgages, and very competitive closing costs. Share your home buying dreams with a WCCU Mortgage Specialist today, and get started on a simpler path to home ownership.



Refinance | Learn More

Considering refinancing your existing mortgage? WCCU offers competitive rates and numerous loan options. Let our Mortgage Specialists find a loan that fits your needs perfectly.



Home Equity | Learn More

A Secured Home Equity Loan might be the right choice for you if you have equity in your home or property and are in need of funds for a major purchase. WCCU offers competitive rates and loan terms on Home Equity Loans. Talk to our Mortgage Specialist about your options today!


Debt Consolidation

Is this the year we finally consolidate our debt and prioritize our financial futures? We have multiple products built to do just that: Personal Loans, Home Equity Loans, Lines of Credit, or VISA Balance Transfers. Plus, our flexible terms and competitively low rates make your choice to save that much easier. Let one of our skilled loan officers build a consolidation plan perfectly suited to your needs. One payment. One rate. One happy you!

Must be eligible for membership. Additional limits, terms and conditions may apply based on creditworthiness. Wexford Community Credit Union is an Equal Opportunity Lender and federally insured by NCUA. Please call our Loan Department at (231) 775-2081.

Vehicle Loans

If it has a clean title, we can finance it! The benefits of working with Wexford Community Credit Union to secure your next vehicle loan are lower rates, fewer fees, and streamlined local loan processing. When in the market for a vehicle of any sort, be sure to check with us first. If you find a better rate, bring us the competitor’s written offer and we’ll match it!

Protect your vehicle by adding Mechanical Breakdown and Guaranteed Asset Protection! Finance the coverage plan right into your loan for a fraction of the cost compared to dealer coverage plans. 

Titled Vehicles (New & Used)
  • Boats
  • RVs
  • Campers
  • Motorcycles
  • UTVs
  • Large trailers (over 2,500 lbs.)
  • Classic cars
Untitled Vehicles (New & Used)
  • Snowmobiles
  • Mopeds
  • Small trailers (under 2,500 lbs.)
  • Tractors
Get Pre-Approved First!

Why should you get pre-approved for your car loan?

You get better interest rates. 

You protect your credit. 

You can shop with confidence.

You increase your negotiating power.

You save money.

For details, click here!


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

*APR = Annual Percentage Rate. All loans are subject to credit approval. Terms of loans vary dependent upon vehicle age and type and excludes salvaged and rebuilt titled vehicles. Additional limits, terms and conditions may apply. Wexford Community Credit Union is an Equal Opportunity Lender and federally insured by NCUA. Please call our Loan Department at (231) 775-2081.

Signature Loans

Wexford Community Credit Union offers Signature (unsecured) Loans to help you pay for a variety of personal expenses: car repair, furniture, debt consolidation, medical expenses, and home improvements. A Signature Loan does not require collateral like some other loan types, but is instead secured based upon your credit history.

*APR = Annual Percentage Rate. Rates for this product are as low as stated. Must have credit score of 720 or higher to qualify for lowest rate. All loans are subject to credit approval. Additional limits, terms and conditions may apply. Wexford Community Credit Union is an Equal Opportunity Lender and federally insured by NCUA. Please call our Loan Department at (231) 775-2081.

Share-Secured Loans

Having trouble establishing credit or getting a loan?

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

Or do you have funds to cover a loan in savings, but you want to keep funds in savings? Share-Secured Loans are great for members who have enough funds in a savings account to cover a loan but do not want to use the Share (Savings) account. No need to withdraw your money; use it to secure the funds that you need, while you continue to earn interest on the funds in the savings.

Loan Details
  • Terms up to 48 months.
  • 100% of the loan balance will be secured with a Wexford Community Credit Union Share (Savings) account
  • Super-low interest rate!

Overdraft Protection

This loan is attached to your checking/share (savings) account and is activated when used for overdraft protection.

Overdraft Protection Details
  • Funds will be automatically disbursed from the 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.

Line of Credit

This loan is a line of credit that is attached to your checking/share (savings) account and is activated when an amount is withdrawn from the revolving line of credit.

More Details
  • 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.


Our low interest WCCU Platinum Preferred VISA credit card is the one card you can afford to carry. It’s perfect for shopping, travel, and unexpected expenses. Take advantage of the low rate savings and convenience it offers for managing your cash flow. As an added bonus, you will be able to accrue points with each purchase with the Scorecard® Rewards program to use on travel, merchandise, or discounts.

All Wexford Community Credit Union Loan and VISA accounts are serviced locally. So if you need assistance, you can call the branch and talk directly to a WCCU Loan Officer. No more call center processing and long hold times.

Loan Calculators

Note: These calculators are provided as a tool to estimate a loan payment, and results may not be reflective of your actual situation.  The information provided is not a guarantee for a loan, nor serve as pre-approval for a loan.  Please contact the Loan Department at 231-775-2081 for actual loan information.

Loan Resources

Loan Applications

Click to download an application:

WCCU Online Membership Application

Debit Card Application

Loan Application

Get Started & Join Today

What do I need to Bring?

To open your Wexford Community Credit Union Account you will need to bring the following:

  • Your Michigan Driver’s License or State of Michigan ID card (or any other government-issued photo-ID such as U.S. passport).
  • A second form of ID which bears your name, for example, Social Security Card, Insurance Card, School ID, Voters Registration, Work ID, etc. (Reminder: Please remember to bring children’s social security card and birth certificate with you when opening children’s accounts.)
  • Proof of physical address.
  • If provided forms of ID do not list physical address, or if it is a brand new address, we will need to see car registration, any official mail, something that is printed with the physical address. (A Secretary of State update sticker on your license is perfectly acceptable.)
  • If you work, worship or go to school in one of our eligible counties, we must have a letter from that organization, a paystub, or something to establish proof of the relationship.
  • A $5.00 minimum deposit establishes your Regular Share (Savings) Account. This Regular Share (Savings) Account is required for access to all other services provided by the Credit Union. The $5.00 minimum deposit must remain in the account as long as you are a member of, and wish to use services provided by, Wexford Community Credit Union.