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Loans

When it is time to purchase a vehicle, new or used, we are here to help handle your loan quickly and efficiently. Pre-approvals are an excellent way to begin the process, simply fill out a paper application or submit a secure application through our website. Unlike other institutions, we do not base your rate on your credit score. Your rate is determined by the year of vehicle, length of financing and how much you are financing in comparison to the vehicle’s retail value as established by NADA or Dealer Invoice for new vehicles. We offer terms up to 72 months and can finance more than the retail value for our members who have established good credit with us and others. As always, payroll deduction of your payment is the BEST way to make your payment on time.

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If you’re in the market for a camper, boat, motorcycle, ATV or side-by-side, check us out. Our rates for motorsports loans are adjusted 1% higher than vehicle loans. Full coverage insurance is required. We do not finance mobile homes. As always, payroll deduction of your payment is the BEST way to make your payment on time.

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Personal loans are for those expenses that roll into your day without any warning or for unexpected personal purchases that don’t fit into your current budget. Members take out personal loans for such things as vehicle repairs, paying off bills, tuition, remodeling, appliances, property or personal taxes and several other financial emergencies. The limit on a personal loan is $5,000 or as high as $10,000 with an approved co-signer. As always, payroll deduction of your payment is the BEST way to make your payment on time.

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One of the best loan rates available is on our Share Secured Loan, because repayment is guaranteed by your savings at the credit union. The pledged shares are used as collateral while they continue to earn dividends. That way you always have enough money in your savings to secure the loan. As you make payments, your pledged amount decreases. This type of loan is perfect for building credit or starting a good credit history.

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