Loans

Vehicle (New & Used), Motorcycle and Watercraft

We offer loans for new and used vehicles, as well as, travel trailers, pickups, recreational vehicles, snowmobiles, boats, jet skis, ATVs, and motorcycles.  We offer up to 100% Black Book retail value for financing.  Vehicle History Reports and Calculators are available on our Auto Link page.

Debt Consolidation

Debt Consolidation allows you combine multiple debts into one payment.  This can be a great option if you are overwhelmed with the number or payments you have to make every month or would like to try to reduce the amount of interest you pay by applying for a lower interest rate through your credit union.

Mortgages & Home Equity Mortgages

The search for a new home can be overwhelming, but your mortgage loan doesn't need to be.  We will help you through every step of the process and discuss the different financial options that are available to you.  We offer standard mortgages, as well as, Home Equity Line of Credit (HELOC).  HELOC will give you the option in the future to borrow against the equity you have in your home for emergencies.  We can help make your dreams of home ownership a reality. 

Home Improvement Loans

Planning a home improvement project?  We offer Home Improvement loans to members who want to finance their next project at a great rate!

Holiday/Vacation Loans

We offer Holiday/Vacation Loans to help you reach your holiday or vacation destination in style.  Maybe it's time to take that trip of a lifetime that you've been dreaming about!  We would love to help make your dreams a reality.

Unsecured Signature (Personal) Loans

Unsecured Signature (Personal) Loans are issued based on credit worthiness and do not require a form of collateral.  This loan type is great for members with high credit scores and can be used to for your miscellaneous financial needs.

Share Secured Loans

Share Secured Loans use your Share Savings as collateral as a basis for loan qualification (instead of a credit score).  This allows you to build up your credit by securing your loan through your Share Savings Account.  Interest rates are very low, so a share secured loan may be right for you.

Student Loans for West Michigan Postal Service FCU by Sallie Mae®

Choose the student loan that’s right for you. Whether you’re an undergraduate, graduate, or parent–we have options to meet your specific needs. Benefit from these features–with any loan used for undergraduate or graduate school expenses.

• Competitive interest rates
• No origination fee or prepayment penalty¹
• Multiple repayment options

Learn More

¹ Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Skip a Payment

Would you like extra cash in your pocket?  You can now postpone your August or December loan payment (s) at West Michigan Postal Service Credit Union.  Use the extra cash for holiday or vacation expenses or anything else you may need.  It’s easy to participate in the Skip a Payment program.  Just complete this form and mail, fax or bring it to the credit union for approval. 

Please be sure to review the conditions below, as well as the types of loans that are excluded from this offer.  All eligible requests must be received prior to payment due dates. 

Non-Eligible Loans:

• Home Equity
• Overdraft
• Pals
• Loans that were granted an extension during the past 6 months are not eligible.
• Loans that are being paid by disability insurance are not eligible.

Conditions:

• All loans must be current
• Fee of $20 per loan must be available
• Co-signer/Joint owner must sign