Members can apply for a personal loan of up to $5000.
Recreational Vehicle Loans (Motorcycle, Motor homes, Travel Trailers, Campers)
The credit union will finance car and truck models up to ten years old. The
annual percentage rate is determined by the model of the car, truck, or RV.
The credit union offers competitive financing on new and used autos as well as
boats, recreational vehicles, and motorcycles.
A 5% down payment is required for new purchases and a 10% down payment for used
purchases. In some cases, 100% financing is available.
Members can get pre-approved for a loan prior to purchase.
Members may use up to 100% of the amount they have on deposit in a share savings
account or a share certificate account as collateral for a share loan. The share
loan offers a special interest rate as well as extended terms for repayment.
Farm/Shop Equipment ? Computers ? Utility Buildings ? Auto/Boat/RV Equity ?
Vacation Loan ? Christmas Loan
To ensure members get a fair price on their purchase, financial services representatives are available to give members the N.A.D.A value.
These guides, which give dealer prices for new vehicles, are available in all
credit union offices.
Reasonably priced mechanical warranties can be purchased for most new and used vehicles financed through the credit union.
Credit Disability and credit life insurance can be placed on most credit union loans to protect you and your family in the event of an accident or untimely death. This low-cost coverage gives members a convenient, affordable way to keep loan repayment promises and reduce the financial burden on their family.
If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your auto insurance will cover the replacement value. Nevertheless, you remain liable for payment of the difference between the insurance settlement and your loan balance. Members Choice GAP Protection is an affordable way to fill the gap. For just a few dollars a month, you can protect yourself against this kind of unexpected expense.
Visa Classic and Visa Platinum Preferred cards are offered with a maximum credit
line of $15,000.
Members may borrow up to 70% of the appraised value of the property.
A maximum of $ 200,000 can be financed by the credit union with terms to suit your needs.
Mortgages exceeding a fifteen year term are processed through partner lenders. In most cases you will receive an answer the same day.
These loans are available on First and Second Mortgages. The maximum loan is 95% of the appraised value with terms to suit your needs. With both fixed and variable rates available these funds can be used for any purpose.
This government guaranteed loan, with a maximum of $ 25,000, is designed to help you make improvements to your home, thereby increasing its value.
Loans for construction are available for 80% of the appraised value based upon completion. The maximum loan amount is $200,000. Nine months are allowed to complete the construction.
***All loans are subject to credit approval in accordance with the policies of the credit union. Terms available vary based on individual credit worthiness and/or the collateral offered to secure any loans(s).
