NEW HOME EQUITY FIXED RATES

Wheatland FCU is now offering tiered Home Equity Loan rates

Wheatland FCU as 1st Lien on Property

0 to 48 months- 5.75% APR with 1 point or  5.99% APR with NO points

49 to 120 months- 5.99% APR with 1 point or 6.50% APR with NO points

121 to 180 months- 6.99% APR with 1 point or 7.50% APR with NO points

Wheatland FCU is 2nd Lien on Property

0 to 36 months- 5.85% APR with 1 point or 6.10% APR with NO points

37 to 84 months- 6.25% APR with 1 point or 6.75% APR with NO points

85 to 120 months- 6.99% APR with 1 point or 7.50% APR with NO points

For more information on these new tiered Home Equity Rates, please call or stop by any of our office locations. 

BETTER CHOICE LOAN PROGRAM

The "Better Choice Loan Program" is an alternative to PayDay Lending.  Your credit union has come up with a "Better" way to offer these types of short term loans. 

WHAT DO I NEED TO DO?

• First you have to stop into any one of our offices to fill out an application (these applications can not be done over the phone or online)
• Bring a copy of your most current paystub
• Bring the $25 application fee (this fee can be added into the borrowed amount, and the fee is non-refundable)

WHAT ARE THE TERMS AND CONDITIONS?

• Short term loan advance with a maximum term of 90 days
• Loan amount is a minimum of $100 and a maximum of $500
• Maximum rate is 18% APR
• No credit check is done
• 10% of the loan amount will be placed on hold in the regular share account until the loan is paid in full.
• The loan must be repaid through Payroll Deduction or ACH origination only
• The loan must be repaid in FULL before any other loan can be disbursed
• The loan cannot be approved if the members monthly payment exceeds 30% of the monthly net pay.
• After 2 "Better Choice" loans, the member will be required to have financial counseling.  Any future "Better Choice" loans will be decided by the Counselor and the Loan Manager.

For a list of our office locations and hours of business click here.

ALL-STAR Rewards Program

Wheatland FCU has started our member rewards program called "All-Star Rewards". This program is designed to Reward you for using Wheatland FCU's products and services. Here at Wheatland FCU we consider all of our members a STAR!

If your not sure which STAR level you fall into than click on "All-Star Rewards".  To see our new "Rewards Schedule" click here. 

If your ATM/ Debit Card has been lost or stolen please call  1-800-523-4175 ASAP or if your VISA Credit Card has been lost or stolen please call 1-800-558-3424 ASAP