Latest News
- Make sure to check out our 78th Anniversary offer- Starting June 17th rates as low as 1.78% APR for up to 6 year terms! Restrictions apply-see the credit union for details!
- Sallie Mae and your credit union have partnered in order to offer you private student loans. Click here to learn more or apply!
- Looking for "Surcharge Free ATMS" close to your home or work?Click here! And remember you can get cash back for FREE at many merchants in the area.
Loans
We provide a variety of home loan products to meet your needs, whether it is a First Mortgage Loan, Second Mortgage Loan, or a Home Equity Line of Credit we can help. We want to be your one stop shop for mortgages.
NMLS # 404971
First Mortgage
Purchasing or refinancing a home is an important decision. The Credit Union can help you make the right one. You have questions on rates, payments, terms, programs costs and we have answers. Let us help you save money and feel confident that you are getting the best deal. To help give you more first mortgage options and added convenience, we have a partnership with
Rates on First Mortgages are low!
Contact us at 228-1614 to see if NOW may be the right time to refinance!
Use our Loan consultant to find the mortgage product and rate that matches your needs!
- We use My CU Mortgage to underwrite First Mortgages (new purchase, rate and term refinance and cash out refinance)
- FHA, VA, Conventional, Jumbo
- Fixed Rate, ARM
- First-Time Home buyer / *Welcome Home Program
- Servicing retained by Cenlar
- Short term and long term loans available
- Application to closing generally takes approximately 45 days
- Property may be located almost anywhere within the United States
- Primary owner-occupied, vacation home or owner occupied 1-4 family dwellings
- Closing costs vary based on loan amount
- Maximum loan to value (LTV) is 97%-certain restrictions apply
- Easy automatic payment option
- Save thousands on interest and years off your mortgage with our Bi-weekly payments option
The Welcome Home Funds for 2014 start in March! Sorry all 2013 funds are exhausted.
- *$5,000 Welcome Home Grant for Home buyers; income restrictions apply.
The Welcome Home Program is a way to assist members with their down payment and closing costs when purchasing a home. This is a chance for home buyers to receive up to $5,000 toward their down payment and or closing costs to make buying a home a little more affordable. If you are in the market for a home, call the credit union today. Reservations for the Welcome Home Grant start March 1st and funds are usually depleted by the end of March. This is a tremendous opportunity for anyone who has ever dreamed of owning a home or who is looking to move to a new home. You must meet certain income requirements and certain restrictions apply. Funds for this program will go fast. Call 228-1614 today!
Learn more
Second Mortgages
Get a 5 year fixed second mortgage as low as 4.5% APR!*
*APR=Annual Percentage Rate. Rates based on credit and term. Rate quoted based on a 5 year term. Other rates and terms available. Rates subject to change. Home owners insurance required and closing fees may apply. Contact the credit union for more details.
Our Second Mortgage is a closed end fixed rate loan secured by the borrower's residential property or can be used on non-owner occupied properties.- Application appointments available- call today or apply online
- Loan amounts:
- Minimum loan amount is $5,000
- Maximum is $150,000
- Rate:
- Is based on LTV, term and credit
- Property must be located in the state of Ohio
- No penalty for early payoff
- Closing costs range from $250-450-depending on documentation needed for loan
- Easy Payroll Deduction Option/Automatic pay
- Access to your account information 24/7 via Online Banking and HAL
- Online E-statement of account
- Personal assistance to structure loans to benefit you
Home Equity Line of Credit (HELOC)
- Application appointments available- call today or apply online
- Easy Access to Funds; HELOC Convenience Checks
- Minimum line is $5,000; maximum line is $100,000
- Financing limits are based on Loan to Value (LTV):
- Property must be:
- Located in the state of Ohio
- Primary owner-occupied and second home
- Investment properties max $50,000 75%LTV
- Rate:
- Variable-Annual percentage rate may vary throughout the repayment of this loan
- Based on the Prime Rate, LTV and credit rating. Prime is determined on the first day of the last month before a new quarter begins.
- Minimum rate is 3% APR; Maximum rate is 18% APR
- Minimum monthly payments calculated on a 120 month repayment term of current HELOC rate.
- Minimum payment is $50
- Draw period is 5 years with account review to determine extension.
- Home owners insurance required
- Closing costs range from $250-450-depending on documentation needed for loan
- Auto pay available
- Statements and balance available online via online banking and HAL.
