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Mortgage & Refinance

Our affordable mortgages have opened a lot of front doors.

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  • Wide range of mortgage options
  • Fixed or adjustable rate
  • Purchasing or refinancing
Wide range of mortgage options
Fixed or adjustable rate
Purchasing or refinancing
Mortgage & Refinance Home Equity Auto Loans Personal Loans & Lines Loan Payment Protection Credit Cards

We'll roll out the 'Welcome' mat for you

You've scouted neighborhoods, counted bedrooms, looked closely at closet space - and you've made your choice. Or maybe you are living now in your dream home but are looking to refinance it for a lower term or rate. WCCU has the expertise to help! At WCCU, our Mortgage Lending team can help you choose a loan that fits your financial needs.

Need help with the down payment or closing costs? WCCU is now offering 2 NEW mortgage grant programs up to $30,806 to help buyers with the high cost of purchasing a home. Learn More: Mortgage Grant Program
Fixed Rate Mortgages
Get the security and predictability you need with a fixed rate loan.
Adjustable Rate Mortgages
The best of both worlds - Lock in your rate & don't worry about refinancing!
First Time Homebuyer
There are advantages to being a first time homebuyer!
Jumbo Mortgages
Enjoy lower interest rates and a lower down payment.
FHA, USDA & VA Loans
Don't think you can qualify for a home? These programs may be right for you.
Land & Construction
With land, there is opportunity! 
WCCU NMLS ID: # 518892.

For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access website or feel free to contact us.
WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.
David I. of Charlestown
We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!
Gerry M. of Westerly
We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.
Deanna C. of Westerly

Helpful Resources

Flex Equity Line of Credit

Unlock your home's potential! Use it as a fixed rate loan or line of credit. NEW - Now available for Investment Properties.