(231) 775-2081


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.

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.

WCCU Loans

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WCCU Mortgage | Local. Trusted. Simple. 

Whether you are looking to purchase a home, refinance and existing home, or want to make a major purchase using the equity in your home, WCCU has a home loan just right for you. Let our Mortgage Specialist walk you through the options  to make your home dreams a reality.

Home Mortgage:

  • Conventional Mortgages
    • Down payments as low as 3%
    • Local loan servicing – no outsourcing
    • Offering Fixed and Adjustable Rate Mortgages (ARMs)
    • NO balloons
    • No pre-payment penalties
    • Very competitive closing costs!
    • Portfolio Program with fixed-rate options
    • You are unique, so why expect a cookie-cutter mortgage to suit you? We will find the right plan for you to make your home-owning dream come true!

| 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.

  • Save money with a lower percentage rate loan
  • Lower your monthly payment
  • Use equity in your home for a major purchase
  • Very competitive closing costs!

| Learn More

Secured Home Equity:

Wexford Community Credit Union offers competitive rates and loan terms on Secured Loans for major purchases. A Secured Loan might be the right choice for you if you have equity in your home, property, or another asset that can be used as collateral to secure the loan. Talk to our Mortgage Specialist about your options today! Financing for:

  • Home Improvements
  • Vehicles
  • Unexpected Expenses
  • Technology
  • Travel

| Learn More

Apply Now!

WCCU has diverse loan option to suit your home buying needs. Whether you are choosing your first home or you have your eye on a dream vacation home, tell our Mortgage Specialist all about your vision and we will work with you to formulate just the right solution to make your dream a reality. Let’s get started today!

| Apply Now!

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Vehicle Loans

If it has a clean title, we can finance it! The benefits of working with your 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.

Titled Vehicles (New and Used)

  • Boats
  • RVs
  • Campers
  • Motorcycles
  • UTVs
  • Large trailers (over 2,500 lbs.)
  • Classic cars

Untitled Vehicles (New and Used)

  • Snowmobiles
  • Mopeds
  • Small trailers (under 2,500 lbs.)
  • Tractors

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!

Terms of loans vary dependent upon vehicle age and type and excludes salvaged and rebuilt titled vehicles; please call our Loan Department at (231) 775-2081 OR (231) 839-2081.

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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.

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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 loan balance will be secured with a Wexford Community Credit Union Share (Savings) account.

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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.
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Line of Credit

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

Line of Credit 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.

Visa Platinum Preferred

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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.

Access Your WCCU VISA:

Already have a WCCU Visa?

Access your account online here: EZCard Access

WCCU VISA benefits:

  • As low as 7.50% fixed APR* 
  • No Annual Fee
  • No Application Fee
  • 24/7 online account access
  • Bonus points earned through Scorecard Rewards
  • 25-Day Grace Period on Purchases
  • Cash Advances available at the same low interest rates as purchases

*The Credit Union’s Standard Rates as of February 1, 2017 range from 7.50% APR to 18% APR.  The rates are variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All WCCU loan programs, rates, terms and conditions are subject to change at any time.

Applying for a VISA:

  • Complete both pages of our VISA application: VISA Application (p1) VISA Application (p2)
  • Provide proof of income – a copy of a recent paycheck stub, a copy of your W-2 form, or in cases of self-employment your last 2 years income tax return.
  • Would mailing in the application be more convenient for you? Click on the link to our Online Visa Application to download the application, complete the application, and remember to send proof of your income with the application.

More VISA Details:

  • Our VISA credit card is a revolving line of credit loan and requires interest to be paid on any unpaid balance.
  • If your Visa card was lost or stolen and it is after business hours, please call 1-800-991-4961.
  • To access your current Visa account online, login to ezcardinfo.com.

Save Even More!

When you transfer the balances from your high rate credit cards to your Wexford Community Credit Union VISA you will save with our low fixed rate. Just bring in your last credit card statement for accounts you would like to transfer, and we’ll transfer the balance to your WCCU VISA account.

VISA Account Forms

Card and/or PIN Replacement Form: Visa Card-PIN Reorder Form

Account Closing Forms: Visa Account Closing Form

*The Credit Union’s standard rates as of February 1, 2017 range from 7.50% APR to 18% APR.  The rates are variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All WCCU loan programs, rates, terms and conditions are subject to change at any time.

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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 or 231-839-2081 for actual loan information.

For your convenience you can download the forms below to assist with loan services.

Loan Documents

Click on an underlined link to download a form:

Payroll Deduction Request: Payroll Deduction Form

Loan Applications: Blank Loan Application

Join Today

Visit a WCCU branch, no appointment needed, and meet with a dedicated Member Services Representative who will be happy to share all the great benefits of membership and will help you get started today.