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Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.
Expert Review
Review by
Anna Serio
White Rose Credit Union personal loans are best for residents of York and Adams counties in Pennsylvania — you won’t qualify otherwise. It doesn’t have any hard-and-fast credit and income requirements, meaning you might be able to qualify even if you don’t have the strongest finances. And it offers the option to skip one payment a year for a $25 fee if you’re struggling.
But its loans max out at $20,000 — not ideal if you need to borrow a high amount. And it doesn’t have the most competitive starting rates compared to other lenders out there — especially if you choose a longer loan term. You also might have to apply with a cosigner if you can’t meet White Rose’s credit and income standards on your own — which it doesn’t disclose.
White Rose Credit Union personal loans are best for residents of York and Adams counties in Pennsylvania — you won’t qualify otherwise. It doesn’t have any hard-and-fast credit and income requirements, meaning you might be able to qualify even if you don’t have the strongest finances. And it offers the option to skip one payment a year for a $25 fee if you’re struggling.
But its loans max out at $20,000 — not ideal if you need to borrow a high amount. And it doesn’t have the most competitive starting rates compared to other lenders out there — especially if you choose a longer loan term. You also might have to apply with a cosigner if you can’t meet White Rose’s credit and income standards on your own — which it doesn’t disclose.
Like with many credit union personal loans, you need to be a member to be eligible for a White Rose signature loan. You must live, work, go to school, own a business or worship in York or Adams County, Pennsylvania to become a member.
While there are no hard-and-fast credit or income requirements, you may be asked to apply with a cosigner if you don’t meet White Rose’s standards on your own.
How much do White Rose Credit Union signature loans cost?
Aside from your credit score, your loan term and amount determine your APR. Here’s how it breaks down
Loan term
Loan amount
Starting APR with autopay
1 to 5 years
Any amount
8.99%
5 to 6 years
$10,000+
10.49%
6 to 7 years
$15,000+
10.49%
Pros
Cosigners accepted
Can skip one payment a year
All credit types welcome
Autopay APR discount of 0.25%
Cons
Membership limited to two Pennsylvania counties
Cosigner might be required
You need to become a member before you can receive your funds
Not the most competitive rates for good credit
What other personal loans does White Rose Credit Union offer?
Aside from signature loans, White Rose Credit Union also offers several types of secured loans, which require collateral. These include:
Shared secure loans. This secured personal loan is backed by your White Rose Credit Union savings account or share certificate. It starts at 2.99% APR with autopay, and offers terms up to 120 months. Share certificate loans last the life of your CD, with APRs starting at your CD rate plus 1.75% — also including an autopay discount.
Recreational loans. Get funds to buy a new or used boat, dirt bike or RV. Get up to 125% financing with terms up to 72 months and APRs starting at 4.24% with autopay.
Compare other personal loan providers
Updated January 23rd, 2020
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What do customers say about White Rose Credit Union?
BBB accredited
No
BBB rating
A+
Customer reviews verified as of
26 December 2019
To get an idea of others’ experience, you’ll have to visit online forums and review sites like Yelp. In fact, it makes Yelp’s list of the 10 Best Banks and Credit Unions in York, Pennsylvania — ranking sixth. Customers were particularly happy with the quality of customer service, with one saying it had helped their family become more financially healthy. Another said it was quick to resolve any issues that came up.
How do I apply?
The online application process is simple and only takes a few minutes:
Go to the White Rose Credit Union website and select Signature Loans under its loan options.
Sign in to your account or agree to join the credit union.
Follow the directions to complete the online application.
Review your application and sumbit.
Wait for White Rose Credit Union to get back to you with a response.
You can also apply in person or over the phone by calling 888-755-9773
What information do I need to apply?
You will need to provide some basic information, including:
Date of birth
Credit Union account number
Social Security number
Driver’s license number
How to apply step-by-step with screenshots
What happens after I apply?
If you have strong credit, you could hear back as soon as the same business day. Poor-credit borrowers will need to wait until its lending panel can review your application, but you may get a decision as soon as the next morning.
If you aren’t already a member, you need to visit a branch in person to join before you can receive your funds. Joining involves opening up a savings account with $5 and paying a $1 membership fee.
How do repayments work with White Rose Credit Union?
Double-check your loan documents to see how frequently your payments are due — it’s not always monthly. If you signed up for autopay during the application process for the 0.25% rate discount, White Rose Credit Union will deduct repayments from your checking account each time they’re due. If you’re struggling to make a repayment, you can apply to skip one month of payments per year with no penalty for a $25 application fee.
Think there’s something wrong with your account? Reach out to customer service over the phone or visit a local branch.
Want to explore other options? Check out our guide to personal loans to see how White Rose Credit Union stacks up to the competition.
Frequently asked questions
No, though you’ll need to join after you’ve been approved before you can get your funds. You need to do this in person at a branch.
White Rose Credit Union only asks to see a state-issued driver’s license showing that you live in York or Adams County.
Follow these steps to find your local branch:
Go to the White Rose Credit Union website.
Hover over Contact in the main navigation bar.
Click Locations.
Click on a branch name to get the address and hours for each branch.
Image source: Shutterstock and whiterosecu.com
Personal loan ratings
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