Routing Number: 313083992
Branches and ATMs

Make a Payment
Rates & Fees
Contact Us

Make a Payment
Rates & Fees
Contact Us

Checking
Free High Yield Checking, Premium Perks
Enjoy a high yield, no monthly service fees, Early Payday, and other premium perks with a Wellby Secure Spending account. (APY = Annual Percentage Yield)
Open Now
Savings
Take Your Savings Further
Pair your Wellby Savings Plus account with any Wellby checking account and double your savings rate** to earn up to 3.56% APY*
**DOUBLE YOUR RATE!
Mortgages
Save Money with a Lower Rate on a 10-Year ARM
An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power to own your dream home.
LEARN MORE & APPLY ONLINE
Home Equity
- Home Loans
  Home Equity Loan
  Home Equity Line of Credit (HELOC)
- Rates
  Home Equity Rates
  HELOC Rates
- Resources
  Your Guide to HELOCs
HELOC Starting at 4.99% APR for the First 6 Months
Turn your home's equity into affordable funding for your next big goal. Remodel your home, consolidate debt, or make a major purchase—the possibilities are endless with a Home Equity Line of Credit.
Apply Online
Loans & Credit
Love Your Car, Love Your Payment
We can help you find a payment that fits your budget with rates as low as 5.39% APR*!
LEARN MORE
Investing
- Investment Services
  Start Investing
  Manage Investments
  Build Wealth
  Wealth Management
Helping you turn your investment goals into reality
From financial advice to hands-on guidance, we're here to assist you in creating a plan and staying on track.
Learn More
Resources
Financial Power in Your Pocket
Wellby mobile banking empowers you to manage your finances from a single platform anywhere life takes you.
DOWNLOAD OUR APP
About
- About Us
  Our Story
  Our Board
  Wellby Difference
- Community
  Habitat for Humanity House Build
- Member Advocacy Group
- Newsroom
  Annual Reports
  Press Releases
- Premier Partner Program
Discover the Wellby Difference
At Wellby, you’re more than just an account holder and our purpose is to help turn your dreams into reality.
START HERE

Routing Number: 313083992
Branches and ATMs
Make a Payment
Rates & Fees
Contact Us

Checking
Savings
Mortgages
Home Equity
Loans & Credit
Investing
Resources
About

Accounts
Secure Spending
Youth Checking
Checking FAQs

Rates
Secure Spending Rates
Youth Checking Rates

Features
Debit Cards
Direct Deposit
Early Payday
Identity Theft Recovery
Overdraft Services

Bank Anywhere
In-Person Banking
Mobile Banking
Online Banking
Telebanking

Free High Yield Checking, Premium Perks

Enjoy a high yield, no monthly service fees, Early Payday, and other premium perks with a Wellby Secure Spending account. (APY = Annual Percentage Yield)

Open Now

Accounts
Savings Plus
Savings
IRA Savings
Youth Savings
Savings FAQ

Rates
Savings Rates
Youth Saving Rates
Certificate Rates

Certificates
CD FAQs

Take Your Savings Further

Pair your Wellby Savings Plus account with any Wellby checking account and double your savings rate** to earn up to 3.56% APY*

**DOUBLE YOUR RATE!

Mortgages
Fixed-Rate Mortgage
Adjustable-Rate Mortgage
Mortgage Refinancing
Investment Property
Mortgage FAQs

Rates
Fixed Rates
Adjustable Rates
Jumbo Rates

Loan Officers

Blog Articles
How to Save for a Home Downpayment
Options for First-Time Homebuyers
Mortgage Terms to Know

Save Money with a Lower Rate on a 10-Year ARM

An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power to own your dream home.

LEARN MORE & APPLY ONLINE

Home Loans
Home Equity Loan
Home Equity Line of Credit (HELOC)

Rates
Home Equity Rates
HELOC Rates

Resources
Your Guide to HELOCs

HELOC Starting at 4.99% APR for the First 6 Months

Turn your home's equity into affordable funding for your next big goal. Remodel your home, consolidate debt, or make a major purchase—the possibilities are endless with a Home Equity Line of Credit.

Apply Online

Vehicle Loans
New & Used Cars
Auto Refinancing
ATV Loan
Boat Loan
Motorcycle Loan
Recreational Vehicle
Vehicle Loans FAQ

Rates
Vehicle Loan Rates
Auto Refinance Rates
Credit Card Rates
Personal Loan Rates

Credit Cards
Visa Platinum
Visa Platinum Rewards

Personal Loans
Debt Consolidation
Line of Credit
Secured Personal Loan
Unsecured Personal Loan

Love Your Car, Love Your Payment

We can help you find a payment that fits your budget with rates as low as 5.39% APR*!

LEARN MORE

Investment Services
Start Investing
Manage Investments
Build Wealth
Wealth Management

Helping you turn your investment goals into reality

From financial advice to hands-on guidance, we're here to assist you in creating a plan and staying on track.

Learn More

Locations
ATMs
Branch Locations
Branch Status
Holiday Hours

Security Center
Report Fraud or Lost Card
Fraud & Scam Protection
Identity Theft Recovery

Tools and Forms
Account Forms
Currency Exchange
Disclosures
Financial Calculators
Online Payment Center
Video Library

Financial Wellness
Financial Wellness Center
Blog Articles

Events
Financial Classes

FAQs

Insurance Offers
AD&D Insurance

Promotions

Financial Power in Your Pocket

Wellby mobile banking empowers you to manage your finances from a single platform anywhere life takes you.

DOWNLOAD OUR APP

About Us
Our Story
Our Board
Wellby Difference

Community
Habitat for Humanity House Build

Member Advocacy Group

Newsroom
Annual Reports
Press Releases

Premier Partner Program

Discover the Wellby Difference

At Wellby, you’re more than just an account holder and our purpose is to help turn your dreams into reality.

START HERE

New and Used Vehicle Loan

Whether brand new or new to you, your dream car is just a few clicks away.

an approved car loan with car keys and a car wrapped with a bow thanks to the easy application process from Wellby

Dream Car, Realistic Payments

You’ve found the car of your dreams. Now it’s time to find a loan with a monthly payment that fits your budget. With our fast and easy online application process, you’ll be on the road before you know it.

Competitive Rates

As a member-focused, not-for-profit organization, you’ll find we offer lower interest rates on most loans.

a percent sign with a downward arrow showing the competitive interest rates on car loans available from Wellby

a stack of money in front of a monthly calendar showing the flexible term lengths available with your new car loan from Wellby

Flexible Financing

We offer a variety of term lengths that fit your needs and can even provide options if you have less than perfect credit.

Auto Rates

Select an Vehicle Loan Type:

Auto Loan (New & Used)

Auto Loan (New & Used)
Auto Refinance
Motorcycle Loan
Boat & Watercraft Loan
Recreational Vehicle Loan
ATV Loan

Print PDF

Model Year (Term)	Annual Percentage Rate (APR)

Auto Rates

Ready to Go?

If you’re ready to get on the road, we’re ready to help you take the next step toward your dream vehicle. Get started today!

Wellby Auto Loan FAQs

Learn more about your Wellby new and used auto loan options.

Learn More

Common Questions

Depending on the model year, you may finance an auto loan for up to 84 months. Please speak with a Wellby lending specialist for more details.

You will be contacted by the loan officer assigned to your application as soon as your loan has been approved. Your loan officer will then answer any questions you may have and explain your next steps.

Yes, you may apply for the approximate amount you will finance and obtain a pre-approval which is good for 45 days.

JSC Federal Credit Union does business as Wellby Financial ("Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union.