Save Big Money with a credit union loan!

• Applies to purchases or refinances from another financial institution or finance company.
• Easy application process.
• No prepayment penalty.
• Fill out your loan application on-line.

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Send your payment to: 
Western Cooperative Credit Union
PO Box 2237
Williston, ND 58802

Send your physical damage insurance coverage information to:
PO Box 924427 Fort Worth, TX 76124
Fax: 1-877-513-3905
www.MyLoanInsurance.com
Toll-Free Phone: 1-877-261-6757 – 24 Hour Service

We've Streamlined How Members Can Claim Their Complimentary AD&D Coverage. It's Fast, Easy And Online. Get Started.

Great rates and personal service for farmers and ranchers.

• Lines of credit and loans at competitive rates are available for operating expenses, cattle, equipment and real estate purchases and expenses.
• Loan officers provide ongoing financial analysis and on-the-farm visits for convenience.
• The credit union offers low rates and flexible terms.
• Ag loans are risk-rated.

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• Borrow for home improvements, college tuition or starting a business.
• Borrow at a fixed or variable rate.
• Consult a tax adviser regarding the deductibility of interest.

Members use the equity in their home to establish a revolving line of credit!

• Ideal for large purchases--autos, RV's
• Initial line of credit advance is $2,000 minimum, thereafter, $200 minimum.
• Available on first or second mortgage only.
• Consult a tax adviser regarding the deductibility of interest.

Low cost financing! An alternative to traditional loan programs!

Member uses already established savings to secure the loan
Loan interest rate is set at a certain percentage over the current savings rate:

Eliminate overdrafts with a line of credit loan!

• Once the loan is established, it provides immediate access to funds if overdrafts occur.
• Line of credit that transfers funds, in $100 increments, to checking account to cover overdrafts. Payments are generally $100/month.

Eligible borrowers have the opportunity to purchase credit life and or credit disability insurance which may help during unforeseen events.

Credit Life Insurance is designed to help reduce or pay off your eligible loan balance, up to the policy maximum,  should an unexpected life event occur.

Credit Disability Insurance may help make your loan payment, up to the policy maximum, if you become totally disabled due to a covered injury or illness.

Credit Life:

• Total benefit maximum is $50,000 
• Must be under the age of 70 to elect protection

Credit Disability:

• Must be under the age of 66 to elect protection, working 25 hours a week
• Maximum Monthly Disability Benefit is $850
• Total Benefit Maximum is $50,000 per disability

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative or refer to the Group Policy for a full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992.   CDCL-3473018.1-0321-0423

As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road?

You depend on your car.  However, big unexpected repairs can happen after your factory warranty expires.  Mechanical Breakdown Protection (MBP) can help you limit the cost of any breakdowns.  MBP can help lighten the financial burden for you and the people you care about.  Get a MBP contract today so you can worry a little less about tomorrow.

Choose the right plan for you. There are Easy Street, Main Street, and First Street Plans available. 

Ask a loan officer for details.

A wrecked vehicle can wreck your finances if you owe more on your loan than your insurance will pay.

Guaranteed Asset Protection (GAP) Advantage can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses.  If your vehicle is totaled or stolen, GAP Advantage may cancel part of your next loan with your credit union, when you purchase a replacement vehicle.  GAP Advantage can help lighten the financial burden for you and the people you care about.  Get GAP Advantage today so you can worry a little less about tomorrow.

Ask a loan officer for details.

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