Personal loans

What is a Line 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 an unexpected expense, a line of credit is a flexible option that is available to help you. You only have to apply once and use as much as you want up to the limit, as often as you need. Think shampoo, lather, rinse, repeat!

*Optional Life, Disability, and involuntary unemployment protection may be available to you.

What else should you consider?

Everything you need to know about a Personal Line of Credit

What is a personal loan?

With approval, you have the flexibility to take out a personal loan for almost anything. Trip of a lifetime, engagement ring, a new puppy….use your imagination!

*Optional Life, Disability, and involuntary unemployment protection may be available to you.

What is a shared secured loan?

If you have no credit history, or are looking to rebuild your credit, you may want to consider a Shared Secured Loan. Borrow against your White River Credit Union Savings Account and get an exceptional rate, and a flexible term. We also offer Shared Secured Credit Cards. Continue earning interest on your deposits while you pay off the loan. Funds borrowed can be used for just about anything!

*Optional Life, Disability, and involuntary unemployment protection may be available to you.

What else should you consider?

How to build credit history with a shared secured loan

Trying to keep track of multiple bills?

Is your head spinning trying to keep track of multiple bills? Learn more about White River Credit Union’s easy debt consolidation options and streamline your debts into a single monthly bill. You may eliminate your debt faster and save money.

We have several options for you to select from:

• Roll your debt onto a vehicle using the equity you have.
• Consider a home equity loan, home refinance, or a personal loan.
• Consolidate into a personal loan.
• We’ll pay the bills for you and help you save on payments and save money. Lower rate and lower debt for you.

What else should you consider?

Do you need a budget?

Are you breathing? You need a budget. (Yes, it’s just that simple.)

How to create a budget

Start by sitting down with the family: What are the “hard costs” – the monthly expenses (like insurance premiums, the mortgage, and taxes) that remain steady? What are the “soft costs” – the monthly expenses (utilities or entertainment) that change? What are the “variables” – things you spend on (vacations and school fees) in some months but not others? How much do you put into savings and investments? How much do you set aside for unexpected expenses?

Protect you and your loan

Protect your family against the unexpected. Debt Protection protects your loan balance or loan payments against death, disability, or involuntary unemployment.

The protection could cancel your loan balance or payments up the contract maximums.

Purchasing is voluntary and won’t affect your loan approval.

Use non-WRCU cards to make a WRCU loan payment or deposit

Send check via snail mail to PO Box 35 Enumclaw, WA 98022-0035

Electronic payments

• Call us at (360) 825-4833 option 6 then 4
• Recurring payments from another financial institution (free)

One-time payment from another financial institution (fees apply)

VISA Debit/Credit (fees apply)

Bill Pay

Make a payment at the Credit Union (we love seeing our members!)

Transfer from your White River Credit Union account

Use the form in the Make a Payment link below (fees apply)