You must be a member of Welcome Federal Credit Union to apply for a loan. If you’re not a member, please click here to view our field of membership. If you are eligible to open an account, you will need to complete a membership application and make an initial deposit of $25.00. For our online membership forms and disclosures, click here.

Our lending practices have changed effective December 17, 2012, in accordance with new interpretations and definitions of open-end lending by our regulators.

You can apply for a loan as soon as you have opened an account with us. Applicants must meet the Credit Union's criteria for credit worthiness (i.e., good current and past credit history, satisfactory debt ratio, good employment status, etc.).

Complete a loan application if you are applying for one of the following loan types: New or Used Vehicle, First-time applicant, Debt Consolidation, Computer, Disaster, Tax Relief, or Bridge.

For Line-of-Credit loans, do not complete a loan application if you have an approved application on file with us. For Real Estate loans including First Mortgage loans, Land loans, and Home Equity Line-of-Credit loans, contact your branch.

Please phone us for more information or if we can help you in any way.


To apply for a loan, click here, select a loan type, and complete the loan application.

   WFCU Toll Free:         888-932-8148
   WFCU Main Branch:   919-474-3240