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WCFCU: Building lifelong financial relationships one member at a time.

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Apply For A Loan

We offer loans for a variety of purposes at very attractive rates. You may also qualify to have your rate reduced by .25 when you establish an automatic loan payment transfer from your share account. Our professional staff will do more than process your loan – we’ll provide you with the service that will keep you coming back. Borrow from the people who know you best.

*Rate reduction option does not apply on all loan types. Contact your loan officer to determine eligibility.

Credit Life & Disability Insurance

Protect you and your family against the unexpected. Insure your loan payments today so you can worry a little less about tomorrow.

  • Simple to apply
  • Coverage that fits your loan
  • Totally voluntary
  • Learn More Here

Personal Loans

Need some extra cash to help you plan your next trip? Members of WCFCU may quickly apply for funds to cover personal purchases with 48 month terms. All you have to do is start planning your next:

  • Education Payment
  • Must-needed vacation
  • Home repairs
  • Any Important purchase

*Rates are subject to risk based scoring criteria.

All Purpose Loan

Think of our All Purpose Loan as a Personal Loan with a 12 month term and lower interest rates!

  • Energy Saver Loan for the pre-purchase of heating oil, cord wood, or wood pellets
  • Vacation Loan
  • Home Improvements to make your home more energy efficient
  • Competitive Rates

*Rates are subject to risk based scoring criteria.

Business Loans

Winslow Community Federal Credit Union offers a variety of business loans. We can develop creative solutions that fit your long or short term needs. Our experienced staff will guide you in obtaining the right financing for your business.

To get started on your business loan, contact our lending department at 207.872-2636!

Auto Loans

With Direct & Indirect lending, applying for an Auto loan has never been so stress-free. Find the value of your car here. Come see our loan officers today and get pre-approved before visiting the dealership! Find our rates here.

GAP Program helps you to pay off your remaining loan balance if your vehicle is stolen or damaged and is deemed to be a total loss. This program is inexpensive and can be included as a small addition to your monthly payment.

Auto Advantage Program is a complimentary bonus for purchasing GAP.  With this program, you will receive the Auto Deductible Reimbursement (paying up to $500 per loss with UNLIMITED losses per year), in addition to Personal ID Restoration Consulting (peace of mind knowing that a professional is standing ready in the case of identity theft).

Route 66 Extended Warranty ensures you’re covered in the event that a mechanical breakdown occurs. Rest easy knowing you are covered!

Recreational Loans

You only live once so get the most out of life and be adventurous. WCFCU has you covered, whether your thrill is:

*Rates are subject to risk based scoring criteria.

Real Estate Loans

Mortgage Loans– With the CU Promise Mortgage Program, we strive to meet all your financialcupromise needs. WCFCU’s mortgage loan officers are trained to determine which loan is best for you. For more information, please go to

Home Equity loans Qualified home owners can establish a home equity line of credit up to 80% of the value of your property (less existing liens) of your home.

Credit-Builder Loan

No credit history, but looking to start building it to get approved for a loan in the future? This is a great place to start. This is a share secured loan with no cosigner needed if you are over the age of 18. Here’s an example how a credit builder loan works. Let’s say we’ll do the loan in the amount of $500. We’ll put the $500 in your account, but place a hold on those funds so they cannot be spent. You will make your loan payment each month from the income you currently have. This will slowly build your credit over the course of the loan. After the loan has been paid off, you will then have access to the $500, and now have some credit history. This is a great first step a building your credit and a relationship with our wonderful loan officers.

VISA® Rewards Credit Card

The application process is simple. Transfer your high rate balances from other institutions to your WCFCU Credit Card today! For existing Credit Card holders you can view your VISA® Credit Card balance and activity since your last statement by clicking on the VISA® logo. Receive 1 Bonus Point for each qualifying $1. Redeem points for Merchandise, Statement Credits, Gift Card and Travel. FMI:

  • EMV Smart Chip Technology
  • Low interest rate
  • No annual fees
  • Access to view your most recent transactions with EzCard Info
  • Add to your Digital Wallet with Apple Pay, Samsung Pay, & Google Pay
  • ScoreCard® Rewards

Apply today by filling out this form and returning it to the credit union.

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Draft-A-Matic Loan(Overdraft Protection Program)

Make an already great checking account even better. This program protects you against over drawing your checking account by automatically creating a loan when an overdraft situation occurs.

  • When a check is presented to the credit union for payment and there are not adequate funds in your account to cover the check, we will advance you a loan (in multiples of $100) so your check will clear.
  • We will notify you that Draft-A-Matic has been activated and tell you how much was transferred.
  • Credit limits up to $1,500.00 are available to qualified borrowers.
  • Rate=18% APR.
  • Monthly payments are due on the 25th of each month.
  • Advances will appear on your monthly checking account statement.
  • Draft-A-Matic is a line of credit and is subject to credit approval.

Fill out the loan application form to apply!

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