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

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 Breakdown Insurance

This program is brought to you by InterContinental Warranty Services (IWS).

  • They offer a variety of comprehensive and flexible vehicle warranty programs.
  • The program is insured by one of the world's leading and financially strong reinsurers rated "A" by A.M. Best Co., Inc.

Ask a loan officer for details.

Guaranteed Asset Protection (GAP)

This program is brought to you by InterContinental Warranty Service (IWS)

  • GAP is the difference between the principal balance on your auto loan or payoff amount and the actual cash value of your vehicle.
  • GAP pays the outstanding principal balance on your auto loan in the vent of theft or total loss.
  • GAP is available for a nominal cost and may be purchased within 30 days of your vehicle purchase date.

Ask a loan officer for details.