Wheatland Federal Credit Union

At Wheatland FCU we strive in making your financial needs easy and more accessible. With our NEW PCU Home Banking, members can now access their accounts from your home, office or any where you have computer access. NEW features include Bank to Bank Transfers, Member to Member Transfers, E-deposits and a quick link to our FREE Bill Payer.

If your not already signed up for PCU Home Banking or would like more information on these NEW services, give us a call! Some qualifications may apply.

Wheatland FCU's New College Resource Center

Low Mortgage Rates

New Mortgage Rates as low as 3.25% APR with 1 point and Home Equity Line of Credit Rates as low as 3.00% APR.

Call for Details!

**APR=Annual Percentage Rate; Rate determined by credit score and % of equity of home.

BETTER CHOICE LOAN PROGRAM

The "Better Choice Loan Program" is an alternative to Pay-Day 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 on-line)
Bring a copy of your most current pay-stub
Bring the $20 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 has a maximum of $500 and a minimum of $200
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.