Personal Loans from Wakota FCU
Wakota Federal Credit Union returns its profits to members through high savings yields and low loans rates.Apply for your loan today.
- Online: Apply here.
- At a Dealer: Get pre-approved before or provide us with the purchase agreement for fast financing.
- By Phone: Call 651.451.3330
- In Person
From new or used cars and trucks to boats and snowmobiles, Wakota FCU has the right loan for you. Add great interest rates, prompt turn-around and customized service and you’ll be ready to hit the road (or lake… or snow…) in no time.
- Cars and Trucks
- Motorcycles
- Boats
- RVs and Travel Trailers (Ice Castles too!)
- Snowmobiles, Jet Skis and ATVs
Financing terms available up to 84 months on most items to qualified applicants. Your RV, boat, motorcycle, etc., may also be used as collateral for debt consolidation or personal loans.
- Signature (unsecured)
- Debt consolidation
- Terms up to 60 months
This loan is for travel purposes and usually is unsecured. The rate and term are based on how much you borrow instead of your credit score, however a minimum credit score is required.
Running a successful business takes hard work and determination. You also need reliable partners. Wakota FCU has teamed with Servion, Inc. to offer a variety of business lending solutions.
Business Loan services include:
- Commercial real estate
- Commercial, residential, and business construction
- Business equipment
- Business expansion
- Purchase an existing business
- Lines and letters of credit
Let Servion, Inc. help your business thrive. For more information on our business lending solutions, call (651) 631-3111.
Rates effective 07/1/2026
Auto Loan Rates
Terms quoted are average terms, up to 84 months is available depending on year of collateral and amount of loan for an increased rate.
| Model Years | Term | APR* as low as | Payment Example (per $1,000 borrowed) |
|---|---|---|---|
| 2021 and Newer | 36 month term | 4.74% | $29.85 |
| 48 month term | 4.99% | $23.02 | |
| 60 month term | 5.49% | $19.10 | |
| 72 month term | 5.74% | $16.45 | |
| 84 month term | 5.99% | $14.60 | |
| 2020 and Older | 36 month term | 6.24% | $30.53 |
| 48 month term | 6.49% | $24.71 | |
| 60 month term | 6.99% | $19.80 | |
| 72 month term | 7.24% | $17.16 | |
| 84 month term | 7.49% | $15.33 |
Other Secured Loan Rates
This category includes: Motorcycles, Boats, RVs, Travel Travelers, Snowmobiles, ATVs, and Jet Skis. Terms quoted are average terms, up to 180 months is available depending on year of collateral and amount of loan for an increased rate.
| Model Years | Term | APR* as low as | Payment Example (per $1,000 borrowed) |
|---|---|---|---|
| 2021 and Newer | 60 month term | 5.99% | $19.33 |
| 84 month term | 6.49% | $14.84 | |
| 120 month term | 7.24% | $11.73 | |
| 144 month term | 7.74% | $10.68 | |
| 180 month term | 8.49% | $9.84 | |
| 2020 and Older | 60 month term | 7.49% | $20.03 |
| 84 month term | 7.99% | $15.58 | |
| 120 month term | 8.74% | $12.53 | |
| 144 month term | 9.24% | $11.52 | |
| 180 month term | 9.99% | $10.74 |
Unsecured Loan Rates
Terms quoted are average terms, up to 60 months is available for an increased rate.
| Term | APR* as low as | Payment Example (per $1,000 borrowed) |
|---|---|---|
| 36 month term | 11.49% | $32.97 |
| 48 month term | 11.74% | $26.21 |
| 60 month term | 11.99% | $22.24 |
Shared Secured and Overdraft Protection Rates
| Term | APR* as low as |
|---|---|
| Shared Secured-Up to 60 month term | 3.00% fixed APR over the savings rate earned. |
| Overdraft Protection Line-of-Credit | 18.00% Variable |
* APR = Annual Percentage Rate. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. Rates are subject to change without notice at any time. New or existing Wakota FCU membership is required. Rates are subject to change based on market conditions. Actual rate is based on factors, including applicant's credit history, term, and Loan-to-Value (LTV). All loans are subject to credit approval. The maximum interest rate for loans is 18% APR and the minimum loan amount for the 84-month loan is $25,000. Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. Some restrictions may apply. Federally Insured by NCUA. Equal Housing Lender.
- GAP Advantage with ADR
- Route 66 Extended Warranty
- ConsumerSafe Debt Protection
- Auto and Home Insurance
- TruStage™ Insurance
Protect Your Vehicle Investment, Not Just Its Value
In most circumstances, your vehicle is worth a lot less the second you drive it off the lot. Protect the investment made in your vehicle with GAP Advantage.
WHAT IS GAP ADVANTAGE?
Guaranteed Asset Protection Advantage, or GAP Advantage, is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision, or liability coverage. GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan.1 In other words, it protects the “gap” between your vehicle’s value and the amount you still owe in the case it is damaged beyond repair or stolen and never recovered. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle if financed or leased with the same financial institution.
HOW DOES GAP ADVANTAGE WORK?
Depending on where you live, the established market value of your vehicle could be less than the actual balance you owe. In the event of a total loss or theft, GAP Advantage waives the difference between your primary insurance carrier insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.2 Included in the deficiency balance is the deductible up to $1,000.
NOW with ADR (Auto Deductible Reimbursement)
As a thank you for purchasing GAP, all GAP policies include complimentary Auto Deductible Reimbursement, Personal ID Restoration Consulting and Warranty Registration.
Auto Deductible Reimbursement: pays up to five hundred dollars ($500) per Loss (limit of two losses per year) when a Loss is filed and paid by the auto insurance company for a Covered Auto the Member owns or leases evidenced bu the title or registration, AND insures under an Auto Insurance Policy designating the Member as the Named Insured.
Personal ID Restoration Consulting: you now have the peace of mind of knowing that a professional is standing ready to help restore your good name if identity theft strikes.
Warranty Registration Service: provided a single, central registration service that allows you to take fill advantage of your warranties while you are a member of the Auto Advantage Program.
This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions and exclusions.
Protection against major mechanical expenses with NO DEDUCTIBLE on covered parts and labor…
No matter where you travel in the United States, a Route 66 Warranty protects against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor.
All plans come with Rental Car Allowance and 24 hour/7 days a week Emergency Roadside Service that includes:
- Towing
- Flat Tire Assistance
- Battery Jump Starting
- Lock-out Service
- Minor Adjustments
For more information, contact a loan officer at 651-451-3330 or contact Route 66 directly at 1-800-808-0828 or email claims@route66warranty.com.
Protect what matters!
Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. that’s where optional ConsumerSafe Debt Protection comes in.
Under the ConsumerSafe Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly- that your family is protected.
Availability and plan options
ConsumerSafe Debt Protection is available for closed-end consumer loans of 120 months or less and open-end consumer credit plans, unsecured lines of credit and, credit cards.
Choose from the plan options listed below:
- Plan Option 1 included Death, Disability and Involuntary Employment
- Plan Option 2 includes Death and Disability
- Plan Option 3 includes Death only
Contact a lender for pricing and further details.
You could be paying too much for auto insurance
You work hard for your money and even harder to keep your budget on track. So why spend too much on auto insurance—maybe hundreds of dollars too much?
How much could I save?
Credit union members could save hundreds of dollars on auto insurance through the TruStage™ Auto Insurance and Home Program. And it could be simple to switch carriers—without losing any money.
What are the advantages?
The TruStage™ Auto Insurance Program offers a powerful mix of savings & popular, member-friendly benefits:
- Credit union members could save
- Nationally recognized companies
- Friendly service with extended hours
Get a free quote today. Don’t wait to see how much you could save.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage
AUT-2948367.4-0924-1026
Help protect yourself financially from the unexpected
As a credit union member, you have access to a valuable combination of benefits that could help you prepare financially for some of today’s most serious health risks.
Coverage for accidents
TruStageTM Accidental Death & Dismemberment (AD&D) Insurance provides $1,000 of no-cost coverage that’s fully paid for by Wakota Federal Credit Union. All you have to do is claim it.
In the event of a covered accident, TruStage pays a cash benefit to your family at a critical time. It’s money your loved ones could use for monthly bills, debts or anything else. If you choose, additional AD&D Insurance is available for you or maybe your entire family at a cost-effective, monthly rate. Your acceptance is guaranteed—with no health questions or medical exam.
Add coverage for Cancer, Heart Attack & Stroke
You can now also add Cancer, Heart Attack & Stroke coverage. This is a living benefit that pays you $5,000 upon a covered diagnosis. The money you receive could help pay for out-of-pocket medical bills and daily expenses, helping to relieve financial stress while you focus on getting well.
It’s simple to claim your no-cost AD&D insurance. Go to www.trustage.com/add-insurance or call toll-free 1-855-612-7909.
TruStage™ Accidental Death and Dismemberment Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured, sold, or guaranteed by any financial institution. Product availability, riders and benefits for this product may vary by state. Further reproduction, adaptation or distribution prohibited. Benefits are not payable for the riders during the 12-month period that begins on the Rider Effective Date for illness that is diagnosed within 12 months after the Rider Effective Date and is caused by, contributed by or results from a pre-existing condition. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Policy Form Numbers: 2018-ADD-POL, 2018-ADD-POL(OR), 2018-ADD-POL(ID), 2018-ADD-POLRDR-CI, 2018-ADD-POLRDR-CNR © TruStage
ADI-3469852.3
Integrity Autosource
Automotive Consulting
Purchasing a new or used vehicle can be a stressful experience but it doesn’t have to be! Wakota FCU is proud to partner with Integrity Autosource in order to offer you, our members, a one-stop resource for car buying.
Make a No-Obligation Appointment
Brett is here to help you find the very best deal on your next NEW or USED vehicle. All makes and models to fit any budget! Integrity also takes trade-ins. Call Brett at 651-426-6411 to start the conversation.
Call Brett at (651) 426-6411 today or visit Integrity Autosource online.
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