Loans

Vehicle, RV and Boat Loans

Save Big Money with a credit union loan!

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

Apply for a Loan

LOAN CALCULATOR

Send your physical damage insurance coverage information to:

Western Cooperative Credit Union
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.

Agricultural Loans

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.

Home Equity Loans

Check this out!

  • Borrow for home improvements, college tuition or starting a business.
  • No closing costs under normal circumstances
  • Borrow at a fixed or variable rate.
  • Consult a tax adviser regarding the deductibility of interest.

Home Equity Line of Credit

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.
  • No closing costs under normal circumstances

Pledge of Savings Loan

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:

Loan Amount Percentage over savings rate
$10,000 + 2%
$300 - $9,999.99 3%

Checking Reserve

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 $100/month.

Payment Protection for Loans

Protect your credit union loans and your peace of mind with credit life and credit disability insurance!

  • Insurance covers $50,000 loan maximum.
  • Pays $850/month disability (maximum).
  • Maximum term, 120 months for credit disability. Maximum term, 240 months for credit life.
  • Maximum age for disability is 66-years-old. Maximum age for life is 70-years-old.
  • Reasonably priced coverage is calculated and added monthly to the loan principal.

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

Mechanical Repair Coverage (MRC)

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 Repair Coverage (MRC) can help you limit the cost of any breakdowns.  You pay only the applicable deductible, if any.  MRC can help lighten the financial burden for you and the people you care about.  Get MRC today so you can worry a little less about tomorrow.

Choose the right plan for you.  There are Platinum, Gold, and Silver Plans available. 

Ask a loan officer for details.

Guaranteed Asset Protection (GAP) Plus

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

Guaranteed Asset Protection (GAP) Plus 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 packet expenses.  If your vehicle is totaled or stolen, GAP Plus may cancel part of your next loan with your credit union, when you purchase a replacement vehicle.  GAP Plus can help lighten the financial burden for you and the people you care about.  Get GAP Plus today so you can worry a little less about tomorrow.

Ask a loan officer for details.

LOAN CALCULATOR