LOANS

We offer a wide range of loans for a variety of purposes at low rates with convenient repayment plans and terms. Because we exist only to serve our members and have no stockholders taking away earnings, we can charge less for our loans than our bank competitors and the best news is you benefit through lower rates with less loan fees.

Your credit union can provide loans for any worthwhile purpose, and because we are member owned, our rates are generally lower than other financial institutions. New or used, secured or unsecured, we can tailor your loan to meet your needs. We offer the following loans:

Auto Watercraft RV
Motorcycle ATV Boat
Signature Lines of Credit Christmas loans
Deposit Secured Snow Machine

Loan Protection insurance is available on all new loans. Coverage fees are much lower than those offered by other institutions. Credit Disability provides coverage for unexpected medical emergencies that last longer than 30 days. Credit Life provides coverage for your loved ones in the event of your death. Protection for you and the ones you love just makes sense.

Secure Your Loans with Credit Life and Credit Disability

MEMBER’S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you.

Credit Life and Credit Disability benefits:

  • Immediate coverage for eligible members
  • Choosing the insurance that helps to give you peace of mind
  • Complements existing insurance

Ask your credit union Loan Officer for full benefits and details! If you prefer, please call 307-­875-­4989 or visit Wyochem Federal Credit Union.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.
License #: 149-­0082-­4
Unique ID & Copyright
CDCL-­0713-­D0E0, © CUNA Mutual Group 2014, All Rights Reserved.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) is like an airbag for your vehicle loan.  If your vehicle is totaled or stolen, GAP could help fill the gap between what your car insurance will pay and what you owe on your loan, to cushion you against sudden out­-of-pocket expenses. These expenses could cost you thousands of dollars. Fair market value doesn’t seem fair if your car is totaled, because you could end up owing more on your loan than the insurance company says your vehicle is worth. Don’t let a wrecked car wreck your finances!

Call 307­-875-­4989 at Wyochem Federal Credit Union and get GAP today.

Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the GAP Waiver Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

Mechanical Repair Coverage

The miles can add up but the repair costs don’t have to. MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget. Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

  • Good at any authorized repair facility in the U.S. or Canada
  • Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
  • 24­hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock­out service.
  • Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
  • Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.
  • Cancelable: receive a full refund within the first 60 days or a pro­rated refund thereafter less an administrative fee.
  • No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.
  • Ask about deductible options

*Program details may vary by state. Ask a Loan Officer for details or receive a quote by calling 307-­875-­4989.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators,Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1­800­752­6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU­001­MBI) it is underwritten by Virginia Surety Company, Inc.
MRC­-896721.1-­0414-­0516 © CUNA Mutual Group 2014, All Rights Reserved.