Save time and apply for a loan online -- get an answer within 3 calendar days.
We have a well-trained loan team of lending professionals to assist members in choosing the best loan to meet their individual needs. We pride ourselves on providing simple application methods, quick loan processing, low-cost financing, easy repayment terms, and a friendly, knowledgeable staff.
If you are a Wauna Member:
Apply Online
To apply for Auto Loans, Home Loans and Consumer Loans, use our Online Loan Application for fast results!
E-Mail a Real Estate Professional
If you are purchasing a home, click here to email Kellie Elliot with your contact information.
Visit a Branch
Visit your nearest branch to receive additional information, product brochues, and review your needs.
Apply By Phone
Call 800-773-3236 (toll-free)
If you are NOT a Wauna Member
Apply Here
Find out if you're eligible to become a Wauna member .
Apply for Membership
To apply for membership, call 800-773-3236 (toll-free) or visit your nearest branch.
The purchase of your home will, more than likely, be the largest purchase you will make in your lifetime.
Your credit union offers financing on these long-term personal investments.We offer a variety of Real Estate loan products which include Home Equity Loans, Mortgage Loans, Manufactured Home Loans, Construction Loans, and more.
Whether you’re purchasing a new home or refinancing your existing loan, you’ll appreciate our competitive advantage and friendly environment. We'll give you a number of options to choose from. We can even get you pre-approved. This will give you more bargaining power (as we all know, "money talks").
Choose a home loan that meets your needs:
Purchase Mortgages
Contact Kellie Elliott, Mortgage Loan Manager, to help guide you through financing a home purchase.
E-Mail : Click here
Phone: 800-773-3236 (toll-free)
1st Mortgage Equity Refi
Apply Online
Email a Real Estate Professional
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Our new Equity REFI option uses the equity in your home to pay off the remainder of your mortgage with a low rate, no loan origination fees, very few closing costs, and much more simplified paperwork. Members who have already chosen to refinance with Wauna Federal have literally saved thousands of dollars – up to as much as $125,000.
Maybe you’ve been putting it off, or maybe you refinanced a while ago before mortgage rates dropped even more. If either of these is true for you, than NOW is the time to act. Rates are the lowest in decades and you know what that means? They can only go up from here.
Wauna Federal has many different refinance options available to you. One of the most interesting is our fixed-rate 1st Mortgage Equity * that uses the equity in your home to pay off the remainder of your mortgage with a low rate, no loan origination fees, very few closing costs and much more simplified paperwork.
Home Equity Loans
Apply Online
Email a Real Estate Professional
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Homeowners looking to secure a loan for college tuition costs, medical bills, home improvement, or any other major expense can look to their homes. You can turn up to 90% of either the tax assessed or appraised value of your home into valuable cash (whichever best suits your financial need). There are no origination fees associated with WFCU's Home Equity loans. Plus, the interest paid may be tax deductible.
Use the simple formula below to calculate the Equity you have established in your home.
1. Current tax assessment value
2. Multiply by 90%
3. Subtract first mortgage balance
4. Lendable Equity
Example:
1. Current tax assessment value $100,000
2. Multiply by 90% (X .90) $90,000
3. Subtract first mortgage balance -$35,000
4. Lendable Equity $55,000
The maximum term available is 120 months (10 years). Should the tax assessment on your home not be sufficient for your needs, you may contact a loan officer at the credit union to discuss the option of having an appraisal done on your home.
2nd Mortgages
Apply Online
Email a Real Estate Professional
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Need to do some home repair, purchase a car, or just need some extra cash? Use the equity of your home and take out a second mortgage on your home.
Refer to WFCU's Home Equity Loan (above).
Home Equity Line of Credit
Apply Online
Email a Real Estate Professional
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
WFCU's Home Equity Line of Credit's (LOC) lendable equity is determined thesame as the Home Equity Loan (refer to above). However, the Line of Credit is set up as a revolving loan, which allows a member to pay down the loan and re-borrow to meet their financial needs with no repeated closing costs and origination fees associated with Equity Loans and LOCs offered elsewhere. Again, the interest paid may be tax deductible.
You can borrow up to 90% of either the tax assessed or appraised value, whichever best suits your financial need. The maximum term is 120 months (10 years).
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.
New Auto Loans
Apply Online / Get Pre-Approved
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Current Interest Rates
Loan Payment Calculator
Kelley Blue Book / Edmonds / NADA
Buying a new 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.
Wauna Federal Credit Union will loan up to $50,000 for a new vehicle and offers 100% financing with no application fees. Schedule payment options range from 48 to 84 months.
Used Auto Loans
Apply Online / Get Pre-Approved
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Current Interest Rates
Loan Payment Calculator
Kelley Blue Book / Edmonds / NADA
Buying a used automobile often takes negotiations similar to new automobile buying. And it can mean some tough decisions about price. WFCU can help, especially with the pricing of used automobiles. Researching the cost of the used vehicle is a wise move. You can do this by either using the "KellyBlueBook" link in the Useful Links and Resources option in the go to box located at the top right hand corner of this page OR stop by the branch closest to you and ask a Member Service Representative to assist you.
The key to buying smart is to shop for financing --- and understanding the discount financing deals being offered. Then come to your credit union to determine which option is right for you.
The Pre-Approved Loan Option is also a good choice when used automobile shopping. As stated in the New Automobile section above, it provides needed bargaining power.
Wauna Federal Credit Union will loan up to $35,000 for a used vehicle with 100% financing. There are no application fees and payment schedules range from 48 to 84 months.
New and Used Cars- No Dealers
- No Hassle or Haggle Pricing
- Free delivery to your local Wauna branch
Find It. Buy It. Drive It Home.
It's that simple to find the perfect used car online with Wauna Federal CU and Enterprise Car Sales.
Search for Vehicles Online. Choose from a wide variety of nearly new model vehicles, including foreign and domestic trucks, compacts, sport utilities, minivans and luxury cars.
Haggle-Free Buying
Enterprise provides fair, competitive used car prices clearly marked on every Enterprise used car. You'll never haggle with a sales person because Enterprise used car prices are always clearly marked and set below their NADA or Kelley Blue Book value.
7-Day Repurchase Agreement
Change your mind? No problem. Enterprise will buy your used car back within 7 days or 1,000 miles of your purchase whichever comes first. Just drive it back and they'll refund your purchase price.
Certified Used Cars
Enterprise only sells certified used cars - each and every used car must pass a rigorous, 109-point inspection performed by an ASE certified technician in order to receive the official Enterprise Certified stamp of approval.
Trade-ins
We want to make certain that your car buying experience is as convenient and pain-free as possible - So, at Enterprise Car Sales we gladly accept your trade-in.
Recreational Vehicles
Apply Online / Get Pre-Approved
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Current Interest Rates
Loan Payment Calculator
Kelley Blue Book / Edmonds / 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.
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.
Personal Loans
Choose from either a secured or unsecured loan. Most Consumer loans fall into these categories.
Apply Online
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
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.
Apply Online
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Current Interest Rates
Loan Payment Calculator
The Wauna VISA Credit Card offers many advantages and benefits over other major credit cards!
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.
Apply for a Wauna VISA Credit Card
E-Mail A Financial Loan Consultant
Visit a Branch
Apply by Phone: 1.800.773.3236 (toll-free)
Current Interest Rates
Visa 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!
