Consumer Lending

Automobile Loans

WCB offers new or used car financing without any closing costs and with rates and terms that help to make your purchase affordable. Please contact one of our Deposit Specialists to discuss rates and terms that meet your specific financing needs.

Personal Loans

We offer flexible terms for personal loans in amounts up to $7,500. Please come into the WCB office and talk to one of our Deposit Specialists to discuss our consumer loan solutions that are designed to help you meet your personal needs.

Passbook Loans

Use your Passbook Savings or Term Deposit Certificate account as collateral to meet your short term financing needs. Passbook loans offer instant access to your funds at a low effective interest rate.

For additional details regarding any WCB consumer loan program, please come into the Bank and speak with one of our Deposit Specialists, or call us at 781-729-3620.


Credit Reporting

Winchester Co-operative Bank reports payment activity to three of the major national credit reporting agencies: Equifax, Experian and TransUnion. The Bank’s report to the agencies includes a twenty-four (24) month history of payments of all mortgages, home equity lines of credit, automobile and personal loans. Please see this document for additional information about credit scores. If you are unable to access this PDF form or still have questions, please give us a call at 781-729-3620 or click on the “contact us” link on the this page.