Auto & Mortgage Loans

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Overview

Helping our members finance (or refinance) their homes and cars is our great privilege. We work closely with you to secure a competitive rate and the right terms for your financial situation.

Account Types

Mortgage Loans

WNC Community Credit Union offers members 80 – 90% lending towards a home with no PMI. Plus, we never add points or origination fees to your loan – just the actual cost. We have both conventional mortgages with 15-Year Fixed or 30-Year 5/1 ARM.

Current Rates

Automobile Loans

WNC Community Credit Union offers members both new and used automobile loans on 2009 and newer models. Rates range from 4.40 – 6.40% depending on the term and vehicle value. We also offer optional Extended Warranty and GAP Insurance.

 

(Rates subject to change)

Start Your Loan Application

Download the required loan form(s), and learn what to bring to your first meeting. You can also submit your completed application below.

Home Mortgage, Refinance and Unimproved Property Loans

Please bring the following to your loan meeting:

  • Completed Application (download form below)
  • Two (2) Years of Tax Returns (with supporting documents such as W2, 1099, etc.)
  • Two (2) Months Proof of Current Income
  • Three (3) Months of Current Bank Statements
  • Current Driver’s License (or other valid photo identification)
  • Homeowner’s Insurance (including flood insurance if applicable)
  • Current Mortgage Statement (if applicable)

 

Home Equity Line of Credit (HELOC)

Please bring the following to your loan meeting:

  • Completed Application (download form below)
  • Two (2) Years of Tax Returns (with supporting documents such as W2, 1099, etc.)
  • Two (2) Months Proof of Current Income
  • Three (3) Months of Current Bank Statements
  • Current Driver’s License (or other valid photo identification)
  • Homeowner’s Insurance (including flood insurance if applicable)
  • Current Mortgage Statement (if applicable)
  • $100 Application Fee

 

Automobile and Camper Loans

Please bring the following to your loan meeting:

  • Completed Application (download form below)
  • Two (2) Months Proof of Current Income*
  • Three (3) Months of Current Bank Statements
  • Current Driver’s License (or other valid photo identification)

* Self Employment requires two (2) Years of Tax Returns (with supporting documents such as W2, 1099, etc.)
 

Construction Loan

Please bring the following to your loan meeting:

  • Completed Application (download form below)
  • Two (2) Years of Tax Returns (with supporting documents such as W2, 1099, etc.)
  • Two (2) Months Proof of Current Income
  • Three (3) Months of Current Bank Statements
  • Current Driver’s License (or other valid photo identification)
  • Construction Contract
  • Cost Estimates/Blueprints/Specs
  • Builder’s Risk Insurance
  • Lien Agent

 

Personal Loan

Please bring the following to your loan meeting:

  • Completed Application (download form below)
  • Two (2) Months Proof of Current Income*
  • Three (3) Months of Current Bank Statements
  • Current Driver’s License (or other valid photo identification)

* Self Employment requires two (2) Years of Tax Returns (with supporting documents such as W2, 1099, etc.)