Auto/Personal Loans

Auto/Personal Loans



New and Used Auto Loans

Automobiles up to 5 years old can be financed up to 100% of fair market value. Our rates are extremely competitive and our service is fast. Get pre-approved and improve your buying power when shopping for a vehicle. For help on negotiating a fair deal, download the following Car Buying Guide Brochure.

Personal Loans

This a very basic type of loan that can be used for buying an older vehicle, debt consolidation, small home projects, or vacation. The amount you may be able to borrow will be based on your ability to repay the loan, financial stability, and past payment history.

Credit Life and Accident/Sickness Insurance

Credit Insurance is a great way to protect you and your family against the unexpected. In cases where you are unable to work because of illness, an accident, or other qualified medicals reasons Credit Disability Insurance will cover your loan payments for the time you are out of work. Or in the event you pass away Credit Life Insurance will pay your loan in full.

Simple Eligibility - No physical exam, just a few simple health questions
Affordable - The premium is included in the loan payment
Great Coverage - 14 day retro active period to qualify for disability coverage

Guaranteed Asset Protection (GAP) Protection

A vehicle's value generally declines faster than the loan or lease balance on the vehicle. And if the vehicle is wrecked or stolen and not recovered, the owner may be in for an unpleasant surprise. The insurance settlement may be several thousand dollars short of paying off the loan balance. GAP coverage pays the deficit! Our GAP Protection is extremely affordable and even pays you back the insurance deductible. Ask a loan officer for more details.

Apply Now using our online application system.

Call us at 1-800-426-5057 or e-mail us at loans@westernctfcu.com with any questions. We look forward to working with you!






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Forms
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Internet Banking/Bill Pay
Report Lost/Stolen Card
ATM Locations
Rates
Type APR*
Personal Loan7.49%
10 Year Fixed Home Equity3.99%
New Auto up to 60 months2.49%
Type APY**
Financial Freedom Account0.35%
14 month Certificate0.652%
48 month certificate1.005%
* APR may vary month to month based on the Prime Rate. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details.
** APY as high as amount shown. APY=Annual Percentage Yield. Rates subject to change.