Personal Loans

Personal loans are perfect for moments when you need a quick boost. Whether you’re planning a wedding or you’re replacing your furnace, we’ve got you covered!

We offer loans for purchases and refinancing to fit your needs. Our Member Service Representatives will help guide you in the right direction and walk you through the lending process. We want to be there for you at every stage of life to fit your financial needs.

Helping you plant some holiday cheer.

A Holiday Loan that helps you nurture celebration without uprooting your budget. You can apply for our 2026 Holiday Loan beginning on November 1, 2026 for amounts between $1,000 and $10,000.

Rates as low as 6.99% APR* Limited time offer began 11/01/26. To apply for the Holiday Loan, click here.

*Annual percentage rate for 11 monthly payments. Minimum $1,000. Maximum $10,000. Payment per $1,000 borrowed at 6.99% APR is $94.12/11 month term. Available November 1 - December 31, 2026. Qualified borrowers only. Must qualify for membership. Restrictions apply.

Personal Loan

Use this option for almost any purpose, like a new roof, furnace, or a vacation! This all-purpose loan can be a better alternative than a credit card, because of its low, fixed-rate, no fee and short term, making it easier to pay off.

Personal Line of Credit

This is our most convenient personal loan option. Once you are approved, you can get loan advances by phone, online or in person. It has a $1,000 maximum limit.

Home Improvement Loans

A home improvement loan can get you the cash you need for your home projects, with a very competitive rate.

Share Secured Loans

Share Secured Loans are simple, quick and inexpensive loans secured by the funds in your WMCU Deposit Account. The interest rate is just 3 points above the rate of the certificate account being pledged.

Credit Cards

Our Visa Credit Card rates are well below the national average rate, which is well over 20% APR! Your local credit union offers you two better options with low rates and no annual fees. You can even get cash back with our Better Rewards Credit Card.

You can apply online below, by phone, or at your local branch.

Simply Secured is an available feature for a personal loan. To learn more, click here(opens in new tab).