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.  You cannot apply for a home loan online; however, loan applications are available at any Credit Union location.  

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, and 20 years.  This loan can only be done at the Main Office.

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.  This loan can only be done at the Main Office.

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. This loan can be done at both the Main Office and the Williamsport Branch.