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Loans
Q: What types of loans are available for borrowing?
A: We make borrowing simple, with timely approval, competitive rates and reasonable terms.
Q: How do I apply for a loan?
A: There are three easy ways to apply for a loan:
Call (716 or 800) 632-9328 during business hours
Complete a loan application
Visit one of our branch locations
Q: How long do I have to be a member before I can apply for a loan?
A: You do not need to have an established relationship with the credit union before applying for any type of loan. Your credit application decision is determined by your credit score (determines your interest rate) and your ability to repay the loan (debt to income).
Q: Can I get pre-approved for a loan?
A: We recommend it, so you know exactly what we can offer as you compare your options. Call (716 or 800) 632-9328 or complete a loan application. (Pre-approvals are good for 90 days.)
Q: Does Western Division provide refinancing for existing loans?
A: Absolutely! Call (716 or 800) 632-9328 or complete a loan application. We can then discuss with you money saving options. (Refinancing does not apply to existing Western Division loans.)
Q: What are my options for making payments to my loan?
Direct Deposit - is the most convenient way to make payments.
Automatic Funds Transfer (AFT) - a transfer from your credit union checking or savings account.
U.S. Mail - send to Western Division FCU, 6750 Main Street, Williamsville, NY 14221
Q: Does Western Division offer Student Loans?
A: We offer a variety of Student Loans and Parent PLUS Loans to help finance your higher education.
Q: What is Western Division's Student Loan lender code?
A: 832264.
Q: Does the credit union offer Credit Life or Credit Disability Insurance for loan products?
A: You may request credit life or credit disability insurance on your credit union loans to help keep your family in their standard of living if your income is reduced or eliminated due to a disability injury, illness or unexpected death. Contact us for more information.
Credit Life Insurance Information & Calculator
Credit Disability Insurance Information & Calculator
