A personal loan from WCF Financial Bank can finance your needs, wants and everything in between.
Our helpful and experienced lenders will customize a loan especially for you and walk you through every step of the way. Best of all, decisions are made locally and quickly.
Contact one of our personal lenders today to learn more about what we have to offer!
Types of Personal Loans
Mortgages (see below!)
Home equity loans
Home equity lines of credit (HELOCs)
Construction loans
Land/lot loans
Car loans
Installment loans for RVs, UTVs, boats, snowmobiles and other recreational vehicles
Credit-builder loans
Mortgage Options
Fixed-rate mortgages
Adjustable-rate mortgages (ARMs)
First-time homebuyer loans
Jumbo loans
Bridge loans
FHA loans
USDA loans
Loan Calculator
Home Affordability Calculator
Our Personal Lenders
Brad CheyneVice President LendingWebster City(515) 832-1973NMLS ID: 1206542
Meet Brad Cheyne
Vice President Lending
With 6 years of insurance experience, 7 years in business and 15 years in banking under his belt, Brad is well-positioned to serve WCF’s clients as vice president of lending. A self-described straight talker, he is committed to making the lending process efficient and smooth. Brad earned a bachelor’s degree in finance and mathematics from Loras College. He pitched for men’s fastpitch softball for 20 years, including at the world tournament in Eau Claire, Wisconsin. When he’s not busy with work, you might find him in a duck blind or out fishing with his two beautiful children.
Julie E. OlmsteadAsst. Vice President LendingWebster City(515) 832-1752NMLS ID: 2136879
Meet Julie E. Olmstead
Asst. Vice President Lending
Julie joined the bank as a teller in 1998. She has more than 23 years of experience in many aspects of banking with WCF. Even though the banking industry has changed over the years, the one thing that has not changed for Julie is her passion for helping others. She was born and raised in Webster City, where she resides with her husband, Dale. She has two grown sons, Nicholas and Brett. Julie belongs to St. Thomas Aquinas Catholic Church and serves her ministry in many ways. She enjoys running, biking, skiing, and spending quality time with family and friends.
Senior Vice President / Independence Market President
Stephanie joined the WCF team in 2002 while attending Webster City High School. She has held many roles during her career, beginning in the Webster City office before moving to the Independence branch. Today she is part of the bank’s Executive team and serves as the Market President in Independence with responsibilities for the growth and oversight of that office. She also is the bank’s Compliance Officer, a lender, and is instrumental in the bank’s employee training efforts.
Upon graduation from Webster City High School, Steph earned a Bachelor’s Degree in Business Administration from Buena Vista University, and later completed the Graduate School of Banking at the University of Wisconsin-Madison. She earned additional certifications in Executive Leadership from the Wisconsin School of Business, as well as from the Iowa Bankers Association Compliance School. In 2021 Stephanie was honored as one of six recipients of the prestigious Bank Beat Magazine Outstanding Women in Banking. She and her husband live in Independence and are very involved in their children’s activities, and she serves as the Relay for Life Treasurer.
Cody HeckenlaibleAsst. Vice President LendingIndependence(319) 327-8388NMLS ID: 1675076
Meet Cody Heckenlaible
Asst. Vice President Lending
Cody grew up on a small ranching operation in South Dakota, fostering a passion for agriculture that endures to this day. He earned a degree in ag business from South Dakota State University — where he also was a member of the Rodeo Team! Cody loves working alongside farmers to make their agribusinesses stronger and values the trust they place in him. “This trust factor, along with the high-level customer service I hold myself to, is what helps me build long-time relationships with my clients,” he said.
Kelly J. SmithSenior Vice President / Tama Market President / Senior Loan OfficerTama(641) 484-2078NMLS ID: 535722
Meet Kelly J. Smith
Senior Vice President / Tama Market President / Senior Loan Officer
Kelly has served within the banking industry for the past 26 years, performing all aspects of lending and managing banking functions. He currently serves WCF in a variety of roles, including senior vice president as well as market president and senior loan officer for Tama/Toledo operations. Kelly earned a bachelor’s degree in finance at Buena Vista University and a master’s degree from the Graduate School of Banking in Madison, Wisconsin. He is a part of the Region 6 Housing Trust Board. He enjoys spending time with family and friends, golfing, hunting and doing just about anything outdoors.
With 19 years of banking experience and the ability to help in all areas of the bank, Lesa can help Tama area customers with most all their banking needs. Lesa’s role is Customer Service meaning one may find her opening a new account, closing a loan, or processing a deposit for customers. Lesa earned her bachelor’s degree in banking and finance from Buena Vista University and holds a professional designation from the Iowa Bankers Consumer and Compliance School. She is active in her community through volunteering at the Wieting Theater. Lesa enjoys shopping, boating, skiing, and being active with her family and friends.
