342 Main St. West Orange, NJ 07052      Holiday Schedule       (973) 736-1929       info@womfcu.org

Loan Services


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.

Vehicle Loans


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

  • Loans for up to 100% of the purchase amount plus tax and title/registration fees
  • Terms up to 72 months
  • Available for passenger cars, passenger minivans, SUVs, motorcycles and light trucks for personal non-commercial use
  • Financing for vehicles from the 2 most current model years

Used Vehicle Loans

  • Loans for up to 100% of NADA “clean retail”
  • Terms up to 72 months
  • Available for passenger cars, passenger minivans, SUVs, motorcycles and light trucks for personal non-commercial use
  • Financing offered on vehicles from the last 10 model years

Enterprise Car Sales Loans

  • Monthly rate and trade-in specials – call or email the credit union for more info
  • Certified pre-owned vehicles backed by Enterprise’s 12 month/12,000 mile limited powertrain warranty
  • Click on the link below to visit the Enterprise website to search the current inventory

enterprise car sales loans

Personal Loans



Signature Loans

  • Available for terms to 72 months and amounts to $20,000
  • Can be used for a variety of purposes when borrower does not have or does not wish to provide collateral

Share Secured and Certificate Secured Loans

  • Available for terms to 120 months
  • Funds on deposit in share or certificate account serve as collateral for the loan and may not be withdrawn during term of the loan
  • Security equal to 125% of amount being borrowed. (e.g. $1,250 secures a loan of $1,000
  • Rates based on type of account securing the loan

Home 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 1-866-893-9486 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 1-866-893-9486 to apply by phone or

Learn more


Here’s what you need to complete your application:

  • $75 application fee, refundable at closing
  • W-2’s from the 2 most recent tax years AND paystubs from the last 30 days before application.
    • Note: If self-employed or all income documented on 1099’s – 2 most recent year’s tax returns
  • Homeowner’s insurance policy declaration page
  • Photo ID – driver’s license or passport

All loans subject to credit approval, qualifying ratios and sufficient equity in property.

Visa Cards


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

  • Credit limits up to $20,000 available
  • Fixed rate 8.99% to 17.99%
  • No annual fee

Secured Visa Cards

  • Credit limit secured by funds on deposit in a share savings account. Deposit equal to 125% of credit limit. (e.g. $625 deposit for $500 limit)
  • A great choice for a first card or for the credit impaired borrower.

Young Consumer Visa

  • For borrowers age 17-21
  • Credit limit for a card issued to a borrower under age 21 may be based on borrower’s income if employed
  • Will require a parent, guardian or other adult over age 21 who will be jointly liable. Limit then based on that joint borrower’s debt/income ratio.
  • Maximum limit of Young Consumer VISA® is $2,500

Visa Checkout for Online Shopping Convenience

  • Simple – One place to load all your cards for online purchases
  • Fast – Once you’re enrolled just click on the Visa Checkout button on the merchant’s website, no need to enter your card info every time
  • Secure – Card data protected by multiple security layers