Products - Loans

Apply today by using our secure on-line loan Application link or go to our Applications page to use the calculator we have provided for a loan estimate before applying.

Unsecured Loans

Unsecured loans are also known as signature loans. You may obtain a signature loan for various reasons such as to go shopping, payoff another debt, wedding expenses or maybe school expenses. The maximum term is 36 months. Minimum loan amount is $250 and maximum loan amount is $7,000.

Credit Builder Savings Plan

This savings plan offers a short-term loan to members who have either minimal to no credit history or who need to improve or rebuild a damaged credit history with the additional benefit of establishing a savings plan.

• All applicants must be 18 years of age or older and must be in good standing with the credit union
• Minimum loan amount of $500 to qualified borrowers
• Loan proceeds will be deposited to the borrower's savings account and will be held there until the loan is paid in full

Secured Loans

The Credit Union offers the following Secured Loan Products:

• Share Loan: This is a loan where you will use your savings/certificate account as collateral. You may borrow up to 95% of the savings account balance. Minimum loan amount is $500. You can choose your payment amount provided it is sufficient to pay the monthly accrued interest and does not exceed a term of 15 years.
• Recreational Vehicle Loan: This type of loan includes financing for the purchase of camping trailers, travel trailers, truck campers, van campers, and motor homes. Minimum loan amount is $1,000 and the maximum loan amount is the 100% of the purchase price not to exceed the MSRP for new vehicles or NADA Average Value for used vehicles. Taxes, title fees, extended warranties may be added to the loan amount.
• New or Used Vehicle Loan: This type of loan is for financing the purchase of an automobile. Minimum loan amount is $1,000 and the maximum amount is the purchase price not to exceed MSRP for new automobiles or up to NADA Retail Value* for used automobiles. Taxes, title fees, extended warranties may be added to the loan amount. Maximum term of 60 months is preferred; however may consider 72 months depending on loan amount and age of vehicle.
• Marine Craft Loan: This type of loan is for financing the purchase of marine craft. Minimum loan amount is $1000 and the maximum loan amount is the purchase price not to exceed MSRP for new marine craft or NADA Average Value for used marine craft. Taxes, title fees, extended warranties may be added to the loan amount. Maximum term is 60 months.
• Personal Secured: This is a loan collateralized by an acceptable item that is already owned by you. Maximum loan amount is based on the value of the collateral. Maximum term is 48 months.

You must have a $100 share balance; which will be on hold during the life of the loan.

Life Insurance and Disability insurance is available on all loans.

*Your credit report will determine the maximum you may borrow.

No Credit Check Loan Program

Periodically the CU offers No Credit Check loans. Details of program will be announced when program is offered.

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