Our Lowest Rate Loans
Powered by Your Savings
Keep your savings intact while getting the cash you need. A secured loan lets you use your own funds as collateral, unlocking our lowest interest rates.
Loans Secured by Savings
Get the best of both worlds: keep your money in your savings account while receiving a loan for the same amount. This is a great way to build credit or cover an expense while enjoying our lowest rates. Best of all? No credit check is ever needed.
Certificate-Backed Lending
Your Certificate is a great tool for the future, but we understand you might need funds now. Use your Share Certificate as collateral to secure a low-rate loan today. Your loan term will align with your Certificate’s maturity date, and because it’s fully secured, you’ll enjoy instant approval with no credit check.
Choose Share Savings Secured
If you want flexibility in your repayment schedule and to keep growing your primary savings account.
Choose Certificate Secured
If you have a specific timeline (based on your certificate’s maturity) and want to avoid penalties of an early withdrawal.
Apply at Your Convenience
To apply for a secured loan, visit any WFCU branch during business hours, schedule an appointment, or call us at 717-898-7673 option 3.
Rates
Interested in Debt Protection?
Ask us about Debt Protection with Life Plus
Loan Calculator
The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.
Loan Amortization Schedule
| Period | Payment | Interest | Principal | Principal Balance |
|---|---|---|---|---|
| $0,000.00 |
Loan Calculator
The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using this calculator does not guarantee credit.
Loan Amortization Schedule
| Period | Payment | Interest | Principal | Principal Balance |
|---|---|---|---|---|
| $0,000.00 |
Common Questions
We believe in a personalized loan process to ensure you fully understand your options, rates, and terms before signing. To keep your data safe and provide you with tailored support, we handle applications either on the phone or in person at our branches. You can get started with a pre-approval by calling our lending team at 717-898-7673 option 3.
You can apply for a loan with Wheatland without having an account. However, you must open an account before the loan is disbursed.
Each person that has a loan at Wheatland must have at least a share savings account with a $5 minimum balance.
Depending on the type of loan, you can be approved in as little as 24 hours. Mortgages and Home Equity loans can take up to 4 weeks.
Wheatland does not do any type of business lending. Auto loans must have a title in a personal name as collateral.
Yes! Wheatland offers life insurance, disability insurance, and unemployment insurance on most loan types. Please ask our loan officers for details.
We’ve partnered with United Solutions to manage our collections department calls. If you’re receiving a call from a United Solutions representative at 800-292-2024, your account may be delinquent and it’s important that you speak with them.
Related Links
Blog Article
Understanding Your Credit Score
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