ATTENTION: Due to Juneteenth National Independence Day, WCTFCU offices will be CLOSED Wednesday, June 19, 2024.

Home Loans

If you are in the market for a home loan, we offer mortgage loans, fixed rate home equity loans, and home equity lines of credit (HELOCs).  Home loans are available for primary residences located in Pennsylvania (Franklin and Fulton counties), West Virginia (Berkeley, Jefferson, and Morgan counties), and Maryland (Allegany, Baltimore, Cumberland, Frederick, Garrett, and Washington counties).  Closing costs are the responsibility of the borrower and vary based on the property.  Applications are avaialbe at either location.

All Home Loans are processed at the Leitersburg Pike location only. 

Mortgage Loans

Whether you are purchasing a new home or looking to refinance the loan you have with another financial institution, WCTFCU may have the mortgage loan for you.  Up to 80% financing is available.  Mortgage loan rates can vary daily, please Contact Us for today's rates. Available terms are 10, 15, 20, and limited 30 years.  

Fixed Home Equity Loans

A one time, lump sum, fixed rate loan using the equity of your home as collateral.  Up to 80% financing is available.  Terms can be 5, 8, or 10 years.  

Home Equity Lines of Credit (HELOC)

A revolving line of credit with a variable rate allowing you to borrow against your home's accumulated equity.  Up to 80% financing is available.  There is a five year draw period with an additional 15 year repayment period.  Your minimum payment will be 1% of the outstanding balance.