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WEPCO Federal Credit Union offers a variety of loan products to suit your financial needs:  Check out our Loan Brochure.

Click here to view our NMLS List Of Mortgage Loan Originators



WEPCO makes purchasing a vehicle fun and easy! We offer 100% financing on the book value on new and used vehicles. Terms range from 24 months to 84 months.  Vehicles financed for 60, 72, or 84 months will require minimum financing. Additional terms and conditions apply. 



WEPCO finances boats, RVs, lawn equipment, farm equipment, motor homes and mobile homes under our recreational vehicles loan product. Maximum amount we will finance is 80% or 90% of the book value. Call for complete details at 800.292.8139.



WEPCO finances 4-Wheeler, UTVs and motorcycles at 100% financing book value. Maximum term is 72 months.



WEPCO likes to play Santa or assist you with your dream vacation plans. We’ll loan up to $10,000 for Christmas or Vacation purposes with 12 months to repay!



WEPCO offers this loan product that is specifically designed to assist members with any purchase such as furniture up to $10,000 at a great low interest rate.  Maximum term is 72 months.



WEPCO offers a VISA credit card that just can’t be beat with a range of options such as All Purpose Rewards, Cash Back and Travel Rewards and Business Cards.  Apply today by clicking HERE.



WEPCO offers a line of credit we like to call WEPCOline that provides easy access to a credit line without a credit card. After the initial approval, members may access the WEPCOline Line of Credit via WEPCO PAL or PAL Plus, in person.  Plus, WEPCOline can provide overdraft protection for your share draft (checking) account at your request. Maximum unsecured amount loaned is $10,000.00.  We offer 25 complimentary checks for another way to conveniently access your line.



WEPCO offers a Share Pledge loan option that is secured by the money available in your share savings account, and provides a lower interest rate.  Most importantly, you still earn dividends on your share!



First Mortgage

WEPCO would love to put you and your family into your dream home. We offer mortgage loans for the purchase or construction of members primary residence, the refinancing of the outstanding balance of an existing mortgage on their primary residence, or for home improvements and consolidation.  The rate will not increase during the term of the loan.

WEPCO provide 10 – 15 year fixed mortgage loans. Interest rate is based on a market rate which can adjust weekly, so please contact any credit union office and speak with a Loan Officer for today’s rates. Maximum financed is 80% of the appraised value of the property.

First Mortgage Balloon

WEPCO offers a balloon mortgage interest rate is based on a market rate for a 15 year balloon with payments based on 30 years. We’ll finance 80% of the appraised value of the property, for a maximum term of 15 years with a balloon payment at the end of this term.

Real Estate Land

For the purchase of land, we’ll finance 80% of the appraised value of the property value for a maximum term of 7 years.

Home Equity Fixed Rate

WEPCO offers a Home Equity Fixed Rate product provides maximum financing of 80% of the appraised value, less any other financing, for a maximum term for  5-10 years.

Home Equity Variable Rate (HELOCs)

WEPCO offers a variable rate home equity loans provides for a 7 year draw period with a 8 year payback or 10 year draw with a 10 year payback. We provide financing on 80% of the appraised value of the property less any other financing. The interest rate is based on the Prime Rate and adjusts two times per year.

This product is an open-end loan and the rate is subject to change during the term of the loan.  Loan fees and other fees required to open the plan periodic rate used to compute the finance charge (expressed as APR); and the maximum APR. 



Guaranteed Asset Protection Advantage (GAP Advantage). 

This coverage protects against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered.  Since a vehicle’s value declines due to depreciation, the loan balance can be higher than its Actual Cash Value (ACV).  Without GAP Advantage coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance.

What other benefits does GAP Advantage provide? If you purchase a new vehicle to replace the totaled one and finance the vehicle with WEPCO, GAP will apply $1,000 toward the new auto loan.

What does this coverage cost?  The purchase price, which is added to your loan, is just $425.


WEPCO Debt Shield

Whether you’re taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with WEPCO Debt Shield , a voluntary loan-payment protection product. WEPCO Debt Shield helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan),

WEPCO Debt Shield will cancel or waive your loan payment(s), up to the contract maximums. Help lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war
• Involuntary unemployment

Call any Loan Officer at 301-359-3081 or 800-292-8139 and ask about protecting your loans, today.

Disclosure: Your purchase of WEPCO Debt Shield 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 Member Agreement for a full explanation of the terms of WEPCO Debt Shield. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

DPGAP-0813-4C50, © CUNA Mutual Group 2014, All Rights Reserved.

Mechanical Repair Coverage

The miles can add up but the repair costs don’t have to.  MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.  We offer three plan levels – Platinum, Silver and Gold.  See Brochure for More details

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

  •  Good at any authorized repair facility in the U.S. or Canada
  •  Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
  •  24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
  •  Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.
  •  Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee. 
  •  No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.

Ask about deductible options

*Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling 301-359-3081 or 800-292-8139.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA,where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-896721.1-0414-0516 © CUNA Mutual Group 2014, All Rights Reserved.

Collateral Protection Insurance

Some collateral loans at WEPCO require insurance coverage.  To help us maintain updated insurance information, we have contracted a third-party insurance vendor, State National.  They require members insurance information via a declaration page (Dec Page) and verify with our loan portfolio.  

If your insurance is due to renew, had a change in provider, has been canceled, got a new loan or you have not listed WEPCO as a lien holder, you may receive a letter from State National referring to WEPCO Federal Credit Union, requesting an updated Dec Page.  You can simply have your insurance agent fax your Dec Page to 877-300-8096 or go to to update your information and upload your Dec Page.  They also offer a 24/7 toll free phone number you may call for additional questions at 877-869-1033.