Wheatland Federal Credit Union

Members have the option to Skip their July, August or September loan payment for a fee of $50 for each loan you want to skip. Call or stop in to see if you are eligible for Skip-A-Pay. A portion of the fee will go towards Wheatland FCU's charity account to be given to local charities in Lancaster County.

(First mortgages, Better Choice Loans and Home Equity Loans are not eligible for Skip-A-Pay promotion. Not all All-Star levels are eligible. Members account must being in good standings.)

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 $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.

If your ATM/ Debit Card has been lost or stolen please call 1-800-472-3272 ASAP or if your VISA Credit Card has been lost or stolen please call 1-800-558-3424 ASAP