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This credit union is federally insured by the National Credit Union Administration.

Copyright © 2013 Ware County School Employees FCU. All Rights Reserved.


1301 BAILEY STREET | WAYCROSS, GA 31501 | PHONE: (912) 285-9728 | FAX: (912) 287-2202

Loan Products

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 2.75% 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 (wcsecu@ware.k12.ga.us), faxed, or brought in to our office. 


Effective September 2019. Rates subject to change.



Types of loans offered to members


Short Term Small Amount Loans

Signature Loans

Auto Loans

Share Secured Loans

Student Loans

Mortgage Loans

Mobile Home & Land Loans

Land Loans

NOTE: This calculator is intended for informational purposes only. It is NOT intended as a disclosure or offer of credit. Your actual payments may vary.