Loan Types

How To Apply

Please read all instructions before proceeding.

  1. Complete an online loan application.

  2. All loan application submissions, with the exception of the Visa Credit Card, require a $35 non-refundable loan application fee. This fee must be paid before any loan will be processed or a final decision will be given.

  3. Before closing the loan, verification of pay (i.e., Paystub or W-2) must be presented to complete the loan processing.

  4. If you wish to count Child Support, Rental Income, or a Side Job as income, you must provide a copy of supporting documentation to verify this income.

If you have any questions, please feel free to contact us at (833) 292-7828.

Vehicle Loans

  • Low interest rates for new and used vehicles

  • Rates are based on debt-income ratio and credit score and created using a matrix system

  • Term is determined by age of the vehicle

  • Need assistance finding a vehicle? Check out our car-buying resources

Personal Loans

  • Used for debt consolidation, car repairs, tuition, medical bills, moving expenses, wedding expenses, etc.

Helping Hand Loans

  • $500 dollar loan used as a “last resort” loan or to build credit

  • Loan term is for 6 months

  • Loan must be repaid in FULL before another advance can be made

Fixture Filing Loans

  • For appliances, lawnmowers, furniture, electronics, etc.

  • Uses personal property as collateral to receive a lower interest rate

Vacation Loans

  • 12-month term loans

  • Rate is based upon credit score and debt-to-income ratio

Christmas Loans

  • Special rate loans for the holiday season

  • Amounts, terms, and rates change annually. The promotion usually runs anytime between October 1 and January 31, but subject to change. Call the credit union at (833) 292-7828 for more information about this year’s special

Overdraft Protection Loan

  • Line of credit is established to take care of share drafts (checks) if funds are not available in your checking account at the time the check is presented for payment

Share Secured & Certificate Secured Loans

Want our lowest rates? Let your money work for you. A share-secured or certificate-secured loan is a personal loan that is secured by you pledging the balance in your savings account or term certificate as collateral. Your funds will continue to earn dividends during the loan repayment period. This type of loan is a great way to establish or rebuild credit at a low net interest rate. By making your payments on time you can help to build your credit profile.

Share Secured Loan

  • Borrow up to the amount in your Share Savings account.

  • Funds are released and made available as you pay down the loan balance.

  • Finance up to 120 months.

Certificate Secured Loans

  • Borrow up to the amount of your term certificate.

  • Finance term is up to the term of the maturity for your certificate.