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We will be launching a new, upgraded bill pay system on August 23rd.


You can expect many new features and services, but prior to the launch, please note the following.


During conversion, no new bill pay enrollees will be allowed from August 16th until August 23rd.


There is a black-out period where you will NOT have access to bill pay from 5:00 pm EST on August 21 through 8:00 am EST on August 23rd.


Look for more information later in August.   Thank you for your understanding and cooperation.






Savings Share Certificates Loan Interest Rates

Effective as of: July 1, 2018
Apply For A Loan On-Line
(Unless stated otherwise, the following loan rates are disclosed
as annual percentage rates and are accurate as of: July 1, 2018*.)
Personal Loans
Loan TypesAnnual Percentage Rate (APR)
Line of Credit Loans14.00%
Overdraft Line of Credit Loans14.00%
Holiday Line of Credit Loans14.00%
Summer Vacation Line of Credit Loans14.00%
Disaster Loans12.00%
Debt Consolidation Loans16.00%
Bridge Loans14.00%
Tax Relief Loans14.00%
Credit Cards
New Vehicles
Approximate TermAnnual Percentage Rate (APR)
New Cars, Trucks, and SUVs: Up to 60 MonthsAs low as 3.05%***
New Cars, Trucks, and SUVs: 61 Months - 84 MonthsAs low as 3.30%***
New Boats, RVs, Motorcycles, and Other Vehicles: Up to 60 MonthsAs low as 5.05%***
New Boats and RVs: 61 Months to 84 MonthsAs low as 5.30%***
New Boats and RVs: Loan >$20,000 and term >84 Months (up to 120 Months)As low as 6.30%***
New Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months)As low as 6.30%***
Used Vehicles
Approximate TermAnnual Percentage Rate (APR)
Used Cars, Trucks, SUVs, and Classics: Up to 60 MonthsAs low as 3.35%***
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 MonthsAs low as 3.60%***
Used Boats, RV's, Motorcycles, and Other Vehicles: Up to 60 MonthsAs low as 5.35%***
Used Boats and RV's: 61 months to 84 monthsAs low as 5.60%***
Used Boats, RVs, and Classic Autos: Loan >$20,000 and term >84 Months (up to 120 Months)As low as 6.60%***
Used Luxury Vehicles: Loan >$40,000 and term >84 Months (up to 120 Months)As low as 6.60%***
Other Loan Types
Share LoansShare Rate Plus 3.00%
Certificate Secured LoansCertificate Rate Plus 2.00%
Land Loans **8.50%
Home Equity Line of Credit Loans **As low as 4.75% - APR is Based on Combined Loan-to-Value, your creditworthiness, and the Index****
*Quoted annual percentage rates (APR) and effective dates are subject to change without notification at the discretion of the Board of Directors.
**Eligible property must be located within the State of North Carolina.
***The loan rates shown are our premium rates based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is
determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to
change without notice.
****This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) and the minimum payment may change
as a result. The APR is accurate as of January 31, 2018. The Annual Percentage Rate is based on your creditworthiness, the value
of an index and the combined loan-to-value. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal.
When a range of rates has been published, the highest rate will be used. We will use the most recent index value available
to us as of the last business day of the January preceding any annual percentage rate adjustment. No interest is charged until you use the funds.
To determine the Annual Percentage Rate that will apply to your account, we add a margin to the value of the index. If the rate is not already rounded,
we then round up to the next .25%.
The Annual Percentage Rate can change annually on the first day of May. The rate cannot increase more than 1.0 percentage point in any
one year period. The Annual Percentage Rate cannot increase more than 5.0 percentage points above the initial rate. The maximum APR for a
home equity line of credit is 15.0%. The minimum APR is 3.0%.
(Contact your branch for more information and full disclosures).
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NCUA Logo Your savings are Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government (National Credit Union Administration, a U.S. Government Agency). Tree Swirl Service Logo The Tree Swirl Service Mark is a registered trademark of Welcome Federal Credit Union. Unauthorized use is prohibited.

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