Loans

The Credit Union offers low cost loans for any worthwhile purpose to qualifying members. Each member is assured of receiving personal and confidential service. All Credit Union loans are granted based upon the member's credit history and ability to repay and are designed to meet most needs of its members at rates much lower than other lending institutions.

Applications for loans may be made at the Credit Union Office during regular business hours, by calling 24-hr Lending at 1-888-718-6346 or applying online. Click Here to apply now.

Terms, Collateral, and Interest Charges: The amount of a loan and the collateral offered determine the loan repayment term and the annual percentage rate. Some common repayment terms are: 60 months on a new car, 48 months on a used car, and 60 months on share secured loans.

Vehicle Loans: Loans for the purchase of vehicles, either new or used, are available. Titles will be held by the Credit Union until the loan has been repaid. The Credit Union requires the vehicle held as collateral to be fully covered by insurance.

VISA Card: The Credit Union offers a VISA card with no annual fee, a fixed rate of 9.9% APR for purchases with a 25 day grace period, and a fixed rate of 9.9% APR for cash advances.

Misc. Information: Members have the right to prepay their loans without limit on the amount or frequency of extra payments. There is no prepayment penalty. All members receive a quarterly printed statement showing their share and loan balances.

Please note: It is the responsibility of the member to keep the Credit Union advised of any changes in address.