Wauna is proud to offer the area’s largest variety of low-interest loans!

Wauna Federal Credit Union is dedicated to providing you the kind of services you want and need. This enables us to meet whatever lending need you may have at a rate and term that will financially benefit you. And, there are no penalties for early payoff.

Add comfort to your life with a new or used automobile , a home improvement loan , a boat , or by easing your monthly payment load with a debt-consolidation loan. You can make your vacation dreams come true with our Special 12-month loan or take a relaxing trip in your new Recreation Vehicle with an RV Loan. Remember, whatever your needs, we’re here to serve you.

No Loan Application Fees

Effective January 1, 1995, your credit union Board of Directors elected to eliminate the Loan Application Fee. Many financial institutions charge loan application fees ranging from $25 to several hundred dollars. No fees are assessed to apply for a loan at WFCU. From the beginning, WFCU is able to offer you financial savings.

Loan Protection Insurance

When the need arises, insurance protection can be a precious asset. Credit Disability Insurance coverage will make your loan payments in the event of an illness or injury and you are unable to work. Credit Life Insurance coverage will pay your loan in full, in the event of your death. Many members experience a peace of mind because they know their loan will be taken care of in their time of need. The low cost of such a valuable service is another reason why these insurance options are so attractive.

Automatic Payment Options

There are a couple of automatic loan payment options to choose from: Payroll Deduction (where available) and Automatic Payment. The convenience of these programs is enjoyed by many WFCU members. It saves time, because there is no need to write a check every month and deliver the payment to the Credit Union. And, if you normally mailed your payment, consider the savings in postage and envelopes. It will also provide you with additional peace of mind that your payments will be made automatically as agreed, which is reflected very positively on your credit report.

The purchase of your home will, more than likely, be the largest purchase you will make in your lifetime.

Mortgages

Our real estate loan officers are available to assist members with the mortgage loan process. Please call us today for an appointment to review which loan option is best for you.

Mortgage Loan Options Include:

• First Mortgage Purchase and Refinance
• USDA or VA Zero Down Financing
• Home Equity Loans and Lines of Credit
• Manufactured Home Loans
• Bare Land Loans

You love the vehicle. Every detail about it — the look, the color, the ride, the features.

It is exactly what you have been looking for. Even the price fits your budget. It is now on sale, and priced lower than anywhere else. You know this because you have checked around and this is the “Hot Deal.”

What about financing? After all, buying a new or used car is a long term deal — three or four years, maybe even longer. Before you get carried away by the car and price, make sure you are happy with the financing too. That’s where WFCU comes into the picture. With our low-rate auto loans, no application fees, and large number of payment schedules to choose from, you can’t find a better place to do your financing than Wauna Federal Credit Union.

Auto Loans

Current Interest Rates
Loan Payment Calculator
Kelley Blue Book / Edmunds / NADA

Buying a car can be a frightening experience. Prices today are so high that “sticker shock” is common among car shoppers.

Wauna Federal Credit Union can help you recover from the shock of high prices and discover that you can get that new car and not blow your whole budget.

There is a big difference in car loans. Don’t be fooled by low advertised interest rates. We urge you to comparison shop and look at total loan costs. Another option available that will give you the upper hand in negotiating that new car price is a “Pre-approved Loan.” As we all know, “money talks” and provides you the opportunity to wheel and deal for the car of your dreams.

Depending on a member’s credit rating, Wauna Federal Credit Union offers 100% financing with no application fees. Schedule payment options range from 36 to 84 months.

Auto Answers is Wauna’s newest program, offering vehicle brokering services to our members! See the below link for details!
Auto Answers Details

Recreational Vehicles

Current Interest Rates
Loan Payment Calculator
Kelley Blue Book / Edmunds / NADA

If you’re like most vehicle buyers, the most common mistake we make when buying a vehicle is that we see one that catches our eye, go for a quick test drive, then jump right into the fire and begin negotiating for the best deal. And you know what?

Nine Times Out Of Ten We End Up Paying…..More for the Vehicle Than We Should!

The average American family will purchase only a few recreational vehicles in their life time — however, the recreational vehicle salesman sells them every day of the week. Who do you think is the more experienced negotiator? Is it any wonder why most people don’t get the best deal they could?

But what if you had an edge? an ally? someone who knows the business — who could give you the “Inside Information?”

Then you could have the kind of information that would make you an informed buyer — you’d control the vehicle-buying situation. And you’d make the best deal possible.

One of the most important steps you can take is to secure your financing before you start to shop. That way you’ll already know what price range you can afford, what your monthly payments will be and how much you’ll have for a down payment. You’ll essentially be shopping with cash. And you know the best deals are always made with cash!

Wauna Federal Credit Union offers loans for many types of recreational vehicles such as, but not limited to: RVs, boats, motorcycles, jet skis, etc.

If you’re shopping for a recreational vehicle and need some assistance in financing it, give us a call. We will do what we can to provide the best financing option available.

Because sometimes you just need to borrow money from your credit union.

Personal Loans

Choose from either a secured or unsecured loan. Most Consumer loans fall into these categories.

Current Interest Rates
Loan Payment Calculator

Share Secured Loans

You can pledge up to 90% of the balance in your regular Share or Certificate Account, and borrow up to 90% of that amount at a rate significantly lower than an unsecured personal loan.

Current Interest Rates
Loan Payment Calculator

Our Plantinum VISA card shines as bright as you do!

Platinum VISA

The Wauna VISA Credit Card has a low APR, no annual fee, no cash-advance fee, 25-day grace period for purchases and plenty of free extras.
Current Interest Rates
Loan Payment Calculator

No Annual Fee

You could be paying an annual fee as much as $60.00 a year for the major credit card(s) you hold right now. Wauna Federal Credit Union’s Visa Classic Card offers you substantial savings right from the start.

Low Annual Percentage Rate (APR)

Our Visa Classic card meets the needs of most WFCU members. Even though the Visa Classic Card has an adjustable rate that may change quarterly, every effort is made to keep the rate low and attractive for our members. View Current Rates. (LINK TO CREDIT CARD RATES PAGE)

Other WFCU members may benefit from our Credit Saver Visa card program, which was developed to assist in establishing or re-establishing credit.

25-Day Grace Period on Purchases

If the balance is paid in full on or before the due date shown on the statement, there is no finance charge.

No Cash Advance Fee

You will pay no fee for a cash advance whether you call or drop by your credit union. When you are traveling, your Visa Classic Card and Personal Identification Number (PIN) provides you access to any Automatic Teller Machine displaying the VISA emblem. And, WFCU will assess no fee.

Free Extras

• 24-hour, 365 days a year roadside assistance: 1-800-VISA-TOW
• $250,000 Common Carrier insurance
• 24 hour, 365 days a year Visa Information Call Line (VIC) . 1-800-695-1134
• Visa “Guaranteed Reservation” Service
• Convenience & Security
• And Much Much More!!!

The Cardholder Agreement that accompanies the VISA Card, when issued, will provide current information. Please contact Wauna Federal Credit Union at PO Box 67, Clatskanie OR 97016-0067 for any change in the card terms disclosure.

Visa Online Banking

Wauna’s partner — eZcardInfo — puts you in touch … 24 hours a day, seven days a week … with information and services that make your credit card more convenient and easier to manage than ever before.

Now, with the click of a mouse, you can view important information about your credit card account, including account balances, available credit, current and past statements, and transactions since your last statement date. In addition, eZcardInfo allows you to make payments automatically and securely via the Internet. No postage and no writing checks; everything is handled electronically.

eZcardInfo

Current Users (Log In)

New Users (Enroll Online)

Visa Online Shopping Safety

Verified by Visa helps make online shopping a safe and protected way to make purchases.

More and more cardholders use the Internet for shopping. This is good news. However, to protect Visa users, Visa decided to develop an added security program for these types of transactions called “Verified by Visa.” The Verified by Visa program is designed to reduce Internet Fraud and take Internet security to a new level.

WFCU is pleased to offer this additional protection FREE to all WFCU Visa Classic cardholders. WFCU Visa Classic cardholders can register for this added security by visiting the link below.

When registering you will be asked to provide your name, social security number, home phone, postal code, and CVV2 number. There is a help button to the right of the box that helps explain where the CVV2 number is located on your card. During the registration process, you will be creating an Internet Visa transaction password, which only you will know. However, in the event that you do forget your password, you can request the password hint* that was established during registration. If the password is entered incorrectly, a failed authentication response will be returned to the Merchant. The Merchant is not permitted to submit failed authenticated purchases for authorization.

Enroll Today!