Sallie Mae Smart Option Student Loan program. Learn more
West Orange Municipal Federal Credit Union offers a wide variety of loans at affordable rates.
Are you looking for a new car, SUV, pickup or motorcycle? Do you need to consolidate bills to one simple monthly payment? How about an affordable credit card with no hidden fees and a reasonable rate? Looking to use the equity in your home? Purchasing a home as a first-time or repeat buyer or looking to refinance your current mortgage loan?
You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of WOMFCU. We think our combination of outstanding service, great rates and convenience just can’t be beat!
All loans are subject to review of borrower’s credit information and income. Loan rates, terms and conditions are based on credit score and debt to income ratio. Loans that cannot be approved by the credit union staff may be reviewed by the Board of Directors at the member’s request.
Member paid credit life and credit disability insurance is available on all signature, vehicle, share and certificate secured loans.
Guaranteed Asset Protection (GAP) is available on all vehicle loans.
All vehicle loans require collision and comprehensive coverage through the member’s own automobile insurance policy with maximum deductibles of $1,000.
Applications for VISA credit card, personal, vehicle or education loans require copies of last 2 paystubs or document verifying other income such as pension or social security.
Get Pre-Approved before you shop so you know your loan will be ready when you find a great deal. GAP and Mechanical Repair Coverage available on all vehicle loans – our rates are WELL below what’s available at the dealer for comparable or superior coverage. All vehicle loans require collision and comprehensive coverage through the member’s own automobile insurance policy with maximum deductibles of $1,000.
New Vehicle Loans
Used Vehicle Loans
Enterprise Car Sales Loans
Share Secured and Certificate Secured Loans
Make Your Dreams Come True with a West Orange Municipal FCU Home Loan
We offer first mortgages with both fixed and adjustable rates and terms up to 30 years. These loans are available for purchase and refinances.Learn more
You can also call our mortgage department at 866-432-5427 to speak to one of our knowledgeable representatives or to apply by phone. Let West Orange Municipal FCU help make your dream a reality today.
Home Equity Loans – Terms from 5 to 15 Years Amounts from $20,000 to $150,000 First and Second position equity loans available
Call our Mortgage Department at 866-432-5427 to apply by phone orLearn more
Here’s what you need to complete your application:
All loans subject to credit approval, qualifying ratios and sufficient equity in property.
All of our VISA® cards come with the ScoreCard Rewards Bonus Points program for merchandise and travel rewards – earn 1 point for every dollar spent. Learn more about rewards and special offers at www.scorecardrewards.com. Online account management at www.ezcardinfo.com to view transactions, make payments, retrieve statements and set alerts.
Visa Platinum Cards
Secured Visa Cards
Young Consumer Visa
Visa Checkout for Online Shopping Convenience