Member Loans

WEPCO Federal Credit Union offers a variety of loan products to suit your financial needs:

New & Used Vehicle Loans

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.

Recreational Vehicles

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.

4-Wheelers & Motorcycles

We finance 4-Wheeler, UTVs and motorcycles up to 100% financing. Maximum term is 72 months.

Christmas & Vacation Loans

We like to play Santa or assist you with your dream vacation. We loan up to $10,000 with 12 months to repay!

Signature Loans

We can assist members with any purchase, such as furniture, up to $10,000 at a great, low interest rate. Maximum term is 72 months.

VISA Credit Card

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. No matter which card you choose, you'll enjoy important features like:

  • EMV smart chips for added security
  • Add to your mobile wallet for convenience

Click to apply today!

WEPCOline Line of Credit

After initial approval, you can access this line of credit via PAL Plus, WEPCO Mobile or in-person. Plus, we offer 25 complimentary checks for another way to conveniently access it. Optionally, you can set up your line of credit for overdraft protection on your checking account.  Maximum amount is $10,000.

Share Pledge Loan

We offer a loan that is secured by money available in your share savings account at a low rate. Most importantly, you still earn dividends!

Mortgages & Home Equity Loans

WEPCO offers several options for financing your home.  With the exception of land, all these loans must be secured by your primary residence.


We would love to put you and your family into your dream home! We offer mortgage loans for the purchase or construction of your new home, refinancing an existing mortgage, or for home improvements and consolidation. The rate will not increase during the term of the loan.

We offer 10- or 15-year terms. Interest rate is based on a market rate which can adjust weekly. Maximum financing is 80% of the appraised value of the property.

Balloon Mortgage

We offer a balloon mortgage based on a market rate for a 15-year balloon with payments based on 30 years. We finance up to 80% of the appraised value of the property for 15 years with a balloon payment at the end.

Real Estate Land

For the purchase of land, we finance up to 80% of the appraised value for a maximum term of 7 years.

Home Equity Fixed Rate

Put the equity in your home to work!  Maximum financing is 80% of the appraised value, less any other financing, at a 5- or 10-year terms.

Home Equity Variable Rate (HELOCs)

We offer a variable rate home equity line of credit at either 7-year draw/8-year payback or 10-year draw/10-year payback. We provide financing up to 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 at origination are used to compute the finance charges and APR.

Download our Loan Brochure

Download our NMLS List Of Mortgage Loan Originators