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funds for anything

As a member and owner of White River Credit Union

You receive the perks of great rates when it comes to loans for living. We offer a variety of loans with competitive rates and flexible terms. Whether you have your eye on a new car or a techy new gadget, we’ve got an option for you.

White River CU members have the ability to get 24/7 loan decisions with our mobile-friendly online application. You can even get a callback within 15 minutes to ask questions.



Vehicle loans


Mortgage and home equity


Lines of credit and personal loans


VISA credit cards

funds for anything

Vehicle loans

Whether you’re looking to buy a new sports utility vehicle, a sensible hybrid or a used car for your teen, we have vehicle loans that will fit your needs. Make your vehicle shopping experience easier by getting pre-approved, so you can focus on getting the most car for your money. For your convenience, WRCU is part of the Credit Union Direct Lending (CUDL AutoSMART) program which means you can complete all the loan paperwork at the dealership. Simply visit their site for an easy way to find the vehicle you want while shopping at home. 

Don’t feel like going to the dealership? Try Auto Solutions. Members can contact Auto Solutions and they will do all the looking for you! Typically Auto Solutions can save you money and they will even deliver your car to WRCU (so cool).

Additionally, we now offer loans for your Uber/Lyft vehicle purchase.

First time car buyer? With our first time car buyer program, hitting the open road in a car of your own doesn’t have to be so intimidating. And with easy financing up to $15,500, you’ll even have money for road trip snacks. You’ll receive a First Time Car Buyer kit to help you get started. This is a great way to help you build your credit.

Loan Rates



What else should you consider?

What else should you consider when buying a car?

Show up with financing.

Most car buyers assume that the car dealership always has the best financing deals. That’s not always the case. While you should certainly consider the loan the dealership offers, it’s a good idea to have an approved loan application from a bank or credit union when you go to the dealership. That way, you’ll know if the dealer is offering you a good financing deal, and you’ll have an alternative if they’re not.

Having financing all ready also means you’ll be protected from some dealer tricks. Some dealers will give you a great price on a car, but will charge you a higher interest rate on the loan, which will cost you more money in the long run. With financing in hand, you can focus on the price of the car.

Car financing is tricky even when the credit market is good. Now that the credit market is tight, it’s back to basics for buyers and lenders.

Taken from:
U.S. News & World Report

Confused about what to buy? Find the right car at the right price on AutoSMART.

funds for anything

Mortgage and home equity

Home equity loans

Need funds for a home improvement project, debt consolidation or other major expense? Use funds that are secured by the equity you’ve earned in your home. White River Credit Union offers a variety of Home Equity Loans. Home Equity Loans and the interest you pay may be tax-deductible (consult your tax advisor).

Start by selecting “Check Rates”

Apply Now*

*By clicking apply now you are leaving White River Credit Union’s website. By leaving our website, WRCU is not responsible for the content of this alternate website, and privacy and security policies may differ from those practiced by White River Credit Union 

20 & 30 year mortgage loans

Looking for home sweet home? Give us a call at (360) 825-4833 x4 and our friendly, experienced staff will ensure the entire home loan process is smooth, efficient, and hassle-free.

What else should you consider?

What else should you consider when looking for a Home Equity Loan?

A natural place to look for more funds is in your single biggest asset: your home.

Want to pay off high-interest debt in one fell swoop? Searching for ways to pay for a basement renovation, a bathroom upgrade, or a new tile roof? Since you probably don’t have that kind of money stuffed under your mattress, a natural place to look for more funds is in your single biggest asset: your home.

But before you tap into those funds, you need to know exactly what you’re getting into. Putting your home at risk isn’t for the uninformed or undisciplined.

Taken from:
“Home Equity 101″ The Motley Fool

funds for anything

Lines of credit and personal loans

White River Credit Union can help ensure that you have cash available whenever you need it. You can even choose to set up your line of credit to provide overdraft protection for your checking account when you need it. Repayment is easy too. Our Lines of Credit and Signature Loans can help you access additional funds as you pay off the balance with no annual or transfer fees.

Contact Us With Any Questions You May Have


Shared secured loans

If you have no credit history, or are looking to rebuild your credit, you may want to consider a Share Secured Loan. Borrow against your White River Credit Union Savings Account and get an exceptional rate, and a flexible term. Continue earning interest on your deposits while you pay off the loan.

Personal loans

With approval, you have the flexibility to take out a personal loan for almost anything. Use your imagination!

Lines of credit

A White River Credit Union Line of Credit gives you the freedom to borrow funds as you need. Whether it’s an emergency situation or unexpected expense, a line of credit is a flexible option that is available to help you with variable costs.

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What else should you consider?

Want to know more about getting a Line of Credit?

Many factors come into play when you apply for a line of credit.

As you probably know, your creditworthiness is expressed by your credit score, a number based on the size of your debt and how timely your debt payments have been in the past. The higher the score, the more likely a financial institution will extend you a line of credit.

When you apply for a line of credit, a lender also looks at your ability to repay and your credit history. It evaluates how much money you make, how secure and sustainable your job and lifestyle are and how you’ve paid your past debts. For business lines of credit, a financial institution evaluates profitability and business risk. It scrutinizes your business’s profit/loss history, as well as any risks like a large investment in a new technology that could impact your ability to pay back the loan.

Taken from:
How Stuff Works

funds for anything

VISA credit cards

Convenience & flexibility when you need it.

Our VISA Credit Cards offer a highly competitive 9.99% APR* (OAC*) with easy application process and variety of additional benefits which equals less hassle for you.  From everyday purchases and making hotel reservations, to shopping online, a WRCU VISA Credit Card is convenient and reliable.

24/7 VISA Transaction Line: (888) 526-0404 

Member PIN Select 1-877-746-6746

Member Visa Card Activation 1-800-411-6390

Lost/Stolen Visa 1-800-682-6075

Key Benefits

  • NO transaction fees on cash advances
  • NO annual fee
  • 25-day grace period on purchases
  • Optional Credit Life and/or Credit Disability Insurance
  • Make payments by mail, visit our office, transfer from your savings or checking account via phone or online with Online Banking
  • Access your account history online with Online Banking
  • Enjoy added security for your online purchases with Verified by Visa 
  • MyCardRules App
  • Mobile Wallet (ApplePay, GooglePay, Samsung Pay)

What else should you consider?

Want to know more about Credit and your rights as a consumer?

A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal.

The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. These laws do not guarantee that everyone will receive credit. Instead, the credit laws protect your rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. This brochure explains your rights under these laws and offers practical tips to help you solve credit problems.

Taken from:
The Federal Trade Commission

What will my payments be?


Check out our Loan Calculator for an estimate.



  • Annual Percentage Rate
  • Rates are based on approval of credit
  • Rates and terms are subject to change without notice
  • Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown.
  • NMLS Number 486046

* Annual Percentage Rate
* OAC – On Approved Credit

© 2020 White River Credit Union