Loan Desk

Overview of Lending Services


We believe a member should be a saver BEFORE becoming a borrower. All members must meet credit criteria as established by policy.  All loan applications must be signed and accompanied by verification of income. It is preferable that loans be repaid through payroll deduction so that you will always remain a member in good standing. Loan rates vary depending on the type of loan and change frequently, you can see tables of current loan rates at our Interest Rates Page.

Full service members receive 1/2% discount on loan rates and 1/4% higher rates on share certificates. To meet these requirements, you need to have a savings account, a share draft account, VISA, and debit card. The interest rate on loans is dependent on credit score.

Available Products



VISA Card


No Annual Fee
Excluded from Life Insurance
Excluded from Full Service Discount

New Car Loans


Up to 72 months

Used Car Loan


2003-2005 up to 60 months
2002 up to 48 months
Older models up to 36 months

Boat, RV, & Trailer Loans


Up to 96 months

Personal Loan


12, 24, 36, 48, 60 months

Education Loan


Up to 60 months

Home Improvement Loan


Up to 96 Months

Home Equity Loan


Up to 180 months
Member responsible for closing costs
No application fee
No Title Insurance required on most loans
Excluded from Life Insurance


Rates are subject to change and are dependent upon credit approval
Rates available to full service members only.
Rates for non full services members are 1/2% higher
Full Service Members: Active Savings, Share Draft, VISA, and ATM.


Rates

Loan Rates Savings Rates Share and IRA Certificates

NEW RVs, BOATS, MOTORCYCLE, ETC.

Max TermAPR*
Up to 36 Monthsas low as 5.75%
(over $10,000)37 to 72 Monthsas low as 6.00%
(over $15,000)73 to 96 Monthsas low as 6.50%
(over $20,000)97 to 120 Monthsas low as 7.00%

Used RVs, Boats, Motorcycles, Ect.

Max TermAPR*
Up to 36 Monthsas low as 6.75%
(over $10,000)37 to 72 Monthsas low as 7.00%
(over $15,000)73 to 96 Monthsas low as 7.50%

New Cars and Trucks

YearMax TermAPR*
2010-2012 Newup to 60 Monthsas low as 3.99%
2009 - 2011 Newup to 72 Monthsas low as 4.99%

Used Cars and Trucks

Model YearMax TermAPR*
2008 - 2010up to 60 Monthsas low as 4.75%
2007up to 60 Monthsas low as 5.00%
2006up to 60 Monthsas low as 5.25%
2005up to 48 Monthsas low as 5.50%
2004up to 36 Monthsas low as 6.50%
Older Modelsindividual basisas low as 8.00%

Home Improvement

Max TermAPR*
up to 60 Monthsas low as 6.00%
up to 96 Monthsas low as 6.50%

Home Equity

Max TermAPR*
up to 180 Monthsas low as 6.75%

Personal Loans: Unsecured

Max TermAPR*
up to 60 Monthsas low as 11.50%

Personal Loans: Share Secured

Max TermAPR*
up to 36 Monthsas low as 4.75%
up to 60 Monthsas low as 5.25%

Education Loan

Max TermAPR*
up to 60 Monthsas low as 6.25%

Credit Cards

DescriptionAdditionalAPR*
No Annual Fee Plus Earn Rewards Points9.99%
* Annual Percentage Rate

Mortgages

DescriptionAPR*
Through CUC MortgageCall us for Rates

Summer Vacation Special Through September 30, 2010

DescriptionMax TermAPR*
Summer Vacation Loan $5000 Maxup to 12 Monthsas low as 5.50%

Wedding/Civil Union Loan Special

DescriptionMax TermAPR*
Wedding/Civil Union Loanup to 36 monthsas low as 8.99%
DescriptionMax TermAPR*
Consolidation Loanup to 18 Monthsas low as 5.99%
up to 36 Monthsas low as 7.99%