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Bank Closed

All branches of WCF Financial Bank will be closed on Monday, October 9, 2023 in observance of the Columbus Day holiday.  All business transacted after 5 pm on Friday will be processed on Tuesday, October 10th.  WCF will resume our normal business hours on Tuesday, October 10th.  

Branches Closing Early

Our Tama branch and Webster City branch including the drive-up will be closing at 3:00 on Wednesday, October 4th to allow for staff training.  These branches will be open for normal business hours on Thursday, October 5th.  


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Funding Your Life

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
  • Personal 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

Your Information

Our Personal Lenders

Brad Cheyne
Brad Cheyne Vice President Lending Webster City (515) 832-1973 NMLS ID: 1206542
Julie Olmstead
Julie E. Olmstead Asst. Vice President Lending Webster City (515) 832-1752 NMLS ID: 2136879
Tricia Rose
Tricia Rose Customer Service Representative Webster City
Stephanie Christian
Stephanie Christian Senior Vice President / Independence Market President Independence (319) 327-8387 NMLS ID: 1852981
Cody Heckenlaible
Cody Heckenlaible Asst. Vice President Lending Independence (319) 327-8388 NMLS ID: 1675076
Kelly Smith
Kelly J. Smith Senior Vice President / Tama Market President / Senior Loan Officer Tama (641) 484-2078 NMLS ID: 535722
Lesa Haughey
Lesa Haughey Customer Service Tama (641) 484-2079 NMLS ID: 1958636
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