Loan Products

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Need some dough this Christmas? Let us help with your cash needs.

Worries about overpaying for Christmas shouldn’t detract from this special season! Here is a great option to help you get through this wonderful – and sometimes chaotic – time of year.

If you need a little extra cash this holiday season, we can help with a Christmas Loan featuring a 2.00% lower interest rate than a regular personal loan! With this low rate and 1-year term, we put you first to help meet your needs. 

Loan amount and rate based on your credit history and/or debt ratio. Christmas Loans are available November 1st through January 31st.


Interest rate based on credit history, low debt ratio, automatic payments and a current checking account.

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Available loans:

  • Automobiles

  • Motorcycles

  • Boats and ATV

  • Tractor

  • Travel Trailers

  • Christmas

  • Appliances

  • Computer

  • Home Equity

  • Vacation

  • And more

Loan payments may be made through payroll deduction and direct deposit for a lower interest rate. Please email our loan officer at loans@wichitafallsfcu.com if you have any questions.


Convenient and affordable!

There is a fixed rate and no annual fee. Unlike most of the big bank cards, the same low rate applies for cash advances and balance transfers with no transaction fees.

As a member, you can go online and check your MasterCard® account and make your payment at https://www.ezcardinfo.com . You may also make your payment by phone or pay here in our office. We can also set up a recurring automatic draft to come from your account for payment.

To report a lost or stolen card, please call (866) 604-0381, 24-hours a day. 

Card Type APR* for Purchases Minimum Finance Charge Transaction Fee
MasterCard Standard 13% - 17% Fixed N/A None
MasterCard Gold 9.00% Fixed N/A None
MasterCard Platinum 8.50% Fixed N/A None

Annual Fees:  None.

Cash Advance Fees:  None.

Late Payment Fee: Minimum payment is due within 10 days following your payment due date or you may be charged a late fee of $25.00.

Over the Limit Fee:  None.

Return Check Fee: If a check used to make a payment on your account is returned unpaid, you may be charged a fee of $15.00 for each item returned.

Foreign Currency Transaction Fee:  1.00%.

Variable Rate Information: Not Applicable.

Grace Period for Purchases: Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Balance Calculation Method for Purchases: The finance charge is calculated on the average daily balance (including new transactions).

Charges incurred by use of the card are due on receipt of the account statement.

Fair Reporting Act Notice

Grant of this application is conditioned upon your satisfying any applicable criteria based on your credit worthiness, including your income, employment, and any other information provided by you. You have the right to prohibit information contained in your credit report from being used in connection with any credit or insurance transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agency opt-out notification system toll free at 888-5-OPTOUT (888-567-8688) or write to Equifax Operations, PO Box 740123, Atlanta GA 30374-0123.


Get $500.00 - $700.00, Use Direct Deposit

  • Pay Loan fee of $10.00

  • Complete application

  • Get cash

  • Repay at 23.00%

  • Requires 6 months employment

Member Notice

Salary Advance Loans should be used for short-term financial needs only, not as a long-term solution.


Your credit union offers Home Equity Loans! A Home Equity Loan enables you to borrow money in a lump sum against the equity (80% of the value of your home minus what you owe) you have built up in your home. Home Equity Loans are often used to pay off credit card debt, buy a car or to make major renovations to a home.

Loan payments may be made through payroll deduction and direct deposit for a lower interest rate.

Please email our loan officer at loans@wichitafallscu.com if you have any questions.


Financial Protection for the unexpected – protect the ones that matter most.

Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events:
•    Involuntary Unemployment
•    Disability
•    Death

For additional protections, Life Plus can extend your Debt Protection with Life Plus to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.
•    Accidental dismemberment
•    Terminal illness
•    Hospitalization or family medical leave

Disclosure
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.


Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.


Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Our GAP Plus program includes Deductible Assistance which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

Contact us today to learn more about adding GAP Plus with Deductible Assistance to your vehicle loan so you can worry less about tomorrow.

GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All Rights Reserved


The miles can add up, but the repair costs don’t have to.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs. Ignoring repairs can be dangerous.

Mechanical Repair Coverage (MRC) can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget.

Benefits for covered repairs:

  • Limit repair costs to your deductible, if any

  • Rental reimbursement up to $35.00/day for 5 days (up to an additional 5 days with verified parts delay) from day one

  • 24-hour emergency roadside assistance up to $100.00 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lockout service

  • Travel reimbursement up to $200.00 per day for 1-5 days for food, lodging & transportation expense, when a covered breakdown occurs 100 miles or more from home (Not available to NY residents)

  • Good at any authorized repair facility in the U.S. or Canada

  • No out of pocket expense except any deductible. Plan pays the repair facility

  • Transferable to increase resale value. Only if sold privately. Subject to transfer fee

  • Cancel for full refund within 60 days. A full refund is available only if coverage is unused in the first 60 days. If used or cancelled after 60 days, refund is prorated less administrative fees. Cancellation administrative fees vary by state

Ask a Wichita Falls FCU representative for details or get a quote by calling (940) 322-9328.


*APR=Annual Percentage Rate. Rates are subject to change.