Email disclaimer

Water and Power Community Credit Union will never request sensitive information such as Social Security numbers, online banking PINs, passwords, or account numbers by email or text message. Please beware of solicitors who ask for sensitive information. If you receive an email or text message or any other forms of solicitation requesting this type of information, please contact Water and Power Community Credit Union immediately: 800-300-9728. To learn more of our policies please click here >

YOU CAN CHOOSE TO STOP RECEIVING “PRESCREENED” OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL-FREE 1-888-567-8688. SEE PRESCREEN & OPT-OUT NOTICE FOR MORE INFORMATION.

PRESCREEN & OPT-OUT NOTICE

THE CONSUMER RECEIVED THE OFFER OF CREDIT BECAUSE THE CONSUMER SATISFIED THE CRITERIA FOR CREDIT WORTHINESS UNDER WHICH THE CONSUMER WAS SELECTED FOR THE OFFER. IF APPLICABLE, THE CREDIT MAY NOT BE EXTENDED IF, AFTER THE CONSUMER RESPONDS TO THE OFFER, THE CONSUMER DOES NOT MEET THE CRITERIA USED TO SELECT THE CONSUMER FOR THE OFFER OR ANY APPLICABLE CRITERIA BEARING ON CREDIT WORTHINESS OR DOES NOT FURNISH ANY REQUIRED COLLATERAL. YOU HAVE THE RIGHT TO PROHIBIT INFORMATION CONTAINED IN YOUR CREDIT FILE WITH ANY CREDIT REPORTING AGENCY FROM BEING USED IN CONNECTION WITH ANY CREDIT TRANSACTIONS THAT YOU DID NOT INITIATE. TO EXERCISE THIS RIGHT, PLEASE CALL EXPERIAN OPT-OUT AT 1-888-5-OPTOUT (1-888-567-8688), OR WRITE TO EXPERIAN, P.O. BOX 919, ALLEN, TX 75013.

General Disclosures
This offer is non-transferrable and is only valid for the recipient. You must have at least 90 days of membership, be a member in good standing, and have no more than $17,500 total in unsecured debt with WPCCU to take advantage of this offer. We reserve the right to verify your identity and monthly income before we extend credit. If you do not meet minimum monthly income requirements for the loan amount indicated in your offer, we may offer you a lower loan amount. You must have a minimum monthly income of at least $5,000. If your verified income is lower, we may offer you a lower loan amount or rescind this offer.

Credit may not be extended if, after you respond, it is determined that you do not meet the criteria used for screening or you do not furnish the required collateral or information. When responding to this offer, please provide your last two pay stubs. 

Acceptance of any credit offer is your statement under penalty of perjury that you will know of no reason you will be unable to make the required monthly payments for that debt. This offer of credit expires on January 15, 2026 at 5 p.m. PST. Credit requests submitted after this date will require an application.

Automatic payment from a WPCCU account is required. Without automatic payment, the Annual Percentage Rate (APR) is 0.50% higher. Any existing seasonal loan balance must be paid in full prior to funding your new loan. New loan proceeds may be used to pay off existing seasonal loan. The minimum amount financed for a Holiday Loan is $500.

For more information, including payment examples, please see your pre-approval offer letter or email.

** Same day funding is available Monday through Friday when the completed pre-approval request is received in the branch by 3:30pm.