Loans at WRFCU

WRFCU has multiple loan and financing options available for members. We’re proud to offer the lowest rate we can based on your personal credit profile, loan type and terms. Whether you’re purchasing a vehicle, or buying your first home, WRFCU is here to help you.

Automobile/Motorcycle/Boat/Recreational Vehicle Loans

We have low rates and competitive terms on cars, non-commercial trucks and now MOTORCYCLES, BOATS and Recreational Vehicles!!!!! There’s no application fee, flexible repayment terms, and you can finance up to 100% with nothing down. WRFCU also offers GAP Insurance that will finance up to 125% of the KBB value of the vehicle.

Loan acceptance and rates are based on individual Fair Isaac Credit Score as calculated by Trans Union Credit and your personal debt-income ratio.

If you think you can get a lower interest rate somewhere else, please contact the credit union for a possible rate match.

Signature Loans

WRFCU offers signature loans to its members up to $25,000. Certain restrictions may apply.

Share Secured Loans

Share Secured Loans are secured by your savings account balance. The current rate for Share Secured Loans are 2.99% APR. Repayment terms up to 60-months based on loan amount.

First Mortgages

A full range of traditional mortgages are available through CU Mortgage Service. Services include fixed-rate conventional mortgages, mortgage refinances, and specialty mortgages.


Save .25% when financing your mortgage with The Whiting Refinery Federal Credit Union.


To apply for a mortgage, please contact Heather at CU Mortgage Service at (219)743-6232 and inform her of your WRFCU membership.

Questions about Loans?

If you have questions about the loans we offer or getting started with your loan, please contact us today.
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*Usage of this loan calculator does not guarantee rates, terms, or loan approval.*