Loan Types

Wauna is proud to offer the area’s largest variety of low-interest loans!

Wauna Federal Credit Union is dedicated to providing you the kind of services you want and need. This enables us to meet whatever lending need you may have at a rate and term that will financially benefit you. And, there are no penalties for early payoff.

Add comfort to your life with a new or used automobile , a home improvement loan , a boat , or by easing your monthly payment load with a debt-consolidation loan. You can make your vacation dreams come true with our Special 12-month loan or take a relaxing trip in your new Recreation Vehicle with an RV Loan. Remember, whatever your needs, we’re here to serve you.

No Loan Application Fees

Effective January 1, 1995, your credit union Board of Directors elected to eliminate the Loan Application Fee. Many financial institutions charge loan application fees ranging from $25 to several hundred dollars. No fees are assessed to apply for a loan at WFCU. From the beginning, WFCU is able to offer you financial savings.

Loan Protection Insurance

When the need arises, insurance protection can be a precious asset. Credit Disability Insurance coverage will make your loan payments in the event of an illness or injury and you are unable to work. Credit Life Insurance coverage will pay your loan in full, in the event of your death. Many members experience a peace of mind because they know their loan will be taken care of in their time of need. The low cost of such a valuable service is another reason why these insurance options are so attractive.

Automatic Payment Options

There are a couple of automatic loan payment options to choose from: Payroll Deduction (where available) and Automatic Payment. The convenience of these programs is enjoyed by many WFCU members. It saves time, because there is no need to write a check every month and deliver the payment to the Credit Union. And, if you normally mailed your payment, consider the savings in postage and envelopes. It will also provide you with additional peace of mind that your payments will be made automatically as agreed, which is reflected very positively on your credit report.

The purchase of your home will, more than likely, be the largest purchase you will make in your lifetime.

Mortgages

Our real estate loan officers are available to assist members with the mortgage loan process. Please call us today for an appointment to review which loan option is best for you.

Mortgage Loan Options Include:

• First Mortgage Purchase and Refinance
• USDA or VA Zero Down Financing
• Home Equity Loans and Lines of Credit
• Manufactured Home Loans
• Bare Land Loans

Auto Loans

Current Interest Rates
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Kelley Blue Book / Edmunds / NADA

You love the vehicle. Every detail about it — the look, the color, the ride, the features.

It is exactly what you have been looking for. Even the price fits your budget. It is now on sale, and priced lower than anywhere else. You know this because you have checked around and this is the “Hot Deal.”

What about financing? After all, buying a new or used car is a long term deal — three or four years, maybe even longer. Before you get carried away by the car and price, make sure you are happy with the financing too. That’s where WFCU comes into the picture. With our low-rate auto loans, no application fees, and large number of payment schedules to choose from, you can’t find a better place to do your financing than Wauna Federal Credit Union.

Buying a car can be a frightening experience. Prices today are so high that “sticker shock” is common among car shoppers.

Wauna Federal Credit Union can help you recover from the shock of high prices and discover that you can get that new car and not blow your whole budget.

There is a big difference in car loans. Don’t be fooled by low advertised interest rates. We urge you to comparison shop and look at total loan costs. Another option available that will give you the upper hand in negotiating that new car price is a “Pre-approved Loan.” As we all know, “money talks” and provides you the opportunity to wheel and deal for the car of your dreams.

Depending on a member’s credit rating, Wauna Federal Credit Union offers 100% financing with no application fees. Schedule payment options range from 36 to 84 months.

Auto Answers is Wauna’s newest program, offering vehicle brokering services to our members! See the below link for details!
Auto Answers Details

Recreational Vehicles

Current Interest Rates
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Kelley Blue Book / Edmunds / NADA

If you’re like most vehicle buyers, the most common mistake we make when buying a vehicle is that we see one that catches our eye, go for a quick test drive, then jump right into the fire and begin negotiating for the best deal. And you know what?

Nine Times Out Of Ten We End Up Paying…..More for the Vehicle Than We Should!

The average American family will purchase only a few recreational vehicles in their life time — however, the recreational vehicle salesman sells them every day of the week. Who do you think is the more experienced negotiator? Is it any wonder why most people don’t get the best deal they could?

But what if you had an edge? an ally? someone who knows the business — who could give you the “Inside Information?”

Then you could have the kind of information that would make you an informed buyer — you’d control the vehicle-buying situation. And you’d make the best deal possible.

One of the most important steps you can take is to secure your financing before you start to shop. That way you’ll already know what price range you can afford, what your monthly payments will be and how much you’ll have for a down payment. You’ll essentially be shopping with cash. And you know the best deals are always made with cash!

Wauna Federal Credit Union offers loans for many types of recreational vehicles such as, but not limited to: RVs, boats, motorcycles, jet skis, etc.

If you’re shopping for a recreational vehicle and need some assistance in financing it, give us a call. We will do what we can to provide the best financing option available.

Because sometimes you just need to borrow money from your credit union.

Personal Loans

Choose from either a secured or unsecured loan. Most Consumer loans fall into these categories.

Current Interest Rates
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Share Secured Loans

You can pledge up to 90% of the balance in your regular Share or Certificate Account, and borrow up to 90% of that amount at a rate significantly lower than an unsecured personal loan.

Current Interest Rates
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Visa Credit Card

We offer a credit to meet all your needs which includes Rewards, Platinum, Corporate, and 1st Time Visas.
Click here to see more details!