Ware County School Employees Federal Credit Union is here to make loans to our members for almost any purpose. We offer a variety of loans at fair and reasonable finance rates and convenient terms.
Loan interest rates could be as low as 2.25% APR (annual percentage rate) up to 28.00% APR. The actual rate will depend on your individual credit rating and the collateral age/value if considered.
We have adopted "risk-based" pricing in order to become the lender of choice for all members, by offering the best possible rate based on each individual's credit history/score. Certain members represent more risk than others. Less creditworthy members benefit by qualifying for a loan with our Credit Union instead of resorting to higher-cost alternatives such as finance companies. Members with good credit history can qualify for a loan at a competitive rate with us so they do not have to turn to other financing sources.
Other factors are involved (disposable income, debt-to-income rate, unsecured credit, etc.) - Contact Us for more information.
Apply in person at our office located inside the Ware County Board of Education OR fill out our PDF fill-able application online. Application may be saved and e-mailed (firstname.lastname@example.org), faxed, or brought in to our office.
Effective November 2022. Rates subject to change.
Types of loans offered to members
Share Secured Loans
Mobile Home & Land Loans