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Loan Rates - Effective April 1, 2020.

Rates are for loans obtained at our office and WRFCU website. You'll receive the lowest rate we can offer based on your personal credit profile, loan type and terms of the loan. We will always work our hardest to give a fast response to all your loan needs. Other loan conditions may apply beyond those shown below. Rates may change without notice. WRFCU is an Equal Opportunity Lender.

Low rates and competitive terms are available on cars and non-commercial trucks.

  • No application fees
  • Repayment terms from 24 to 84-months
  • Finance up to 100% with nothing down
  • All loans acceptance and rates are based on your individual Fair Isaac Credit Score as calculated by Trans Union Credit along with your personal debt ratio.

For more information or questions, please contact our Loan Officers at (219) 659-3254 or loans@wrfcu.org

Holiday Loan Special up to $2500.00 for a repayment term of 24 months at 4.99%*
*certain restrictions may apply.

Term in Months
New & Used 2021-2020
Used 2019-2016
Used 2015-2013

Other rates and terms are available. Rates may change without notice. Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan.

* WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs. WRFCU uses Kelly Blue Book (KBB) Values to determine value of used vehicles. WRFCU will finance up to 100% KBB Value on used vehicles.

** Terms of 72 and 84 Months require a minimum loan of $20,000.

WRFCU offers signature loans to its members up to $25,000.00. ***Certain Restrictions may apply. Current Terms and Rates are below.

Signature Loans
12 Months
24 Months
36 Months
5.00% - 10.00%
6.00% - 11.00%
7.00% -12.00%
Signature Loans Cont.
48 Months
60 Months
66 Months
72 Months
8.00% - 13.00%
9.00% -14.00%
9.50% - 16.24%
10.00% - 10.50%

Standard loan approval criteria apply. ***Rates subject to change anytime. ***The rate and amount you may be eligible for will be based on your personal credit profile and fico score.

Loan is secured by savings account balance. Rate of 1.99% APR. Repayment terms up to 60 months based on loan amount.

A full range of traditional and special-program mortgages are available through Lake Mortgage.

  • Fixed Rate Conventional Mortgages
  • First Time Home Buyer
  • Mortgage Refinance
  • Specialty Mortgages

Contact Sean Conley at Lake Mortgage to apply for one of our mortgages at a .25% discounted rate from Lake Mortgage's already low rates. Just call toll free at 1-800-627-5566 ext. 355 or 219-769-5941 ext. 355 and ask for Sean. Make sure you tell him you are a member of our credit union to get the special financing.

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Having trouble making your loan payment? Do you have unexpected expenses that have come up? Take advantage of our Skip a Pay program for a low monthly fee of $35.00. Contact the credit union for more details or fill out the attached flyer and submit it to the credit union office for approval.

Skip a Pay Loan Amendment Agreement basic terms

  • A payment may be skipped for month of my choice.
  • The fee for processing a Skip a Pay is $35 per loan.
  • Finance charges will continue to accrue on your balance from the time of your last payment at your contracted rate of interest.
  • Mortgages, and Real Estate secured loans are not eligible for this offer.
  • Loans must have had six months of payment history to be considered.
  • Loans must be current to be eligible for the Skip A Pay.
  • You can only have one Skip a Pay per loan within a 12 month period.
  • All Skip a Pay requests are subject to approval.

The Skip a Pay agreement will defer my current month’s to the end of my original loan agreement with Whiting Refinery Federal Credit Union. The fee for this contract is to facilitate the amendment to original loan and no portion will be applied to outstanding interest or principal due on the loan. Interest on the outstanding loan balance will still be accrued during the Skip a Pay period.

Skip-A-Pay agreement