Message Pay
How to Join
Accounts
Applications
Calculators
Forms & Disclosures
Newsletter
Money management center
Whether this is your first car or you want to improve what you drive now, we make applying for an auto loan easy. The rates here at your Credit Union are always competitive and we make getting the loan fast and convenient.
Automobile guidelines are listed below. We finance 100% on a new vehicle and 90% of Kelly Blue Book and/or N.A.D.A. retail price for a used vehicle.
New vehicles can be financed up to 84 months.
Used vehicles can be financed accordingly:
| Maximum Term | Minimum Value |
| 72 Months | $15,000.00 |
| 60 Months | $8,000.00 |
| 48 Months | $6,000.00 |
| 36 Months | $3,000.00 |
Vehicles over 10 years old can be financed at double the current interest rate, except antique cars follow the above guidelines.
All loans are subject to approval by the Credit Committee. Please have loan applications to us as soon as possible for approval the same week.
News and Promotions
*Fraudsters posing as bank workers may ask you for login information, including your personal information. WTCU will never text or call to ask for this confidential information. *
Vehicle Loan Special EXTENDED through April 30, 2025
Take 0.50% OFF of interest rates on loans granted! NEW OR USED VEHICLE. See our current rates under the rates tab at the top of this page.
*All rates may change daily without prior notice.
**Loans must be granted within 2 months of approval date.