Loans

Signature Loans Need cash for an emergency? Need it fast? Borrow up to $5000.00 on your signature alone! No collateral needed! Rates vary, so give us a call for the current rates.
Co-Maker Loans Do you need more than $5000.00? Borrow up to $7000.00 or $8500.00 with a Co-Maker loan. The Co-Maker acts as collateral for this loan. Rates vary. Give us a call for current rates.
Share Secured Loans You can borrow against your shares! Limits depend on your share balance. The interest rate will be at least 3% lower than the current Signature Loan rate. Shares will be held as collateral.
Automobile Loans Need a new car? You can get a loan for a new or used automobile. The loan amount is determined by the book value or the invoice price. Rates and terms vary between the new and used vehicle loans. Call us for current rates.
Boats/Motorcycles/ATVs/etc. Thinking about a new recreational purchase? A boat to watch the sunsets on the lake? An ATV for a more adventurous pastime? Loans are available for these purchases and more! Loan amounts are determined by the invoice price or appraisal value.

Loan Application Forms
Standard Loan Application Download (PDF 132k)
Co-maker Loan Application Download (PDF 261k)
Loan Addendum Download (PDF 65k)

* Minimum credit line $2000 maximum $50000. Terms up to 15 years. Application processing fee up to $500. Fees may be waived, subject to credit approval. Certain restrictions/qualifications apply. Consult your tax advisor regarding deductibility of interest. Variable rate subject to change semi-annually, 1% over the published Wall Street prime rate. Closed-end fixed rate loans also available.
VISA

Our VISA credit card is accepted world-wide, with no annual fee, and is still a low, fixed rate. Call the office today to ask for an application.

Save money on postage and checks! Just a phone call to the office, and you can have your VISA bill paid directly out of your account.

APR*
 10.50% (periodic rate of 0.875% per month)
Fees for Insurance or Availability
 None
Minimum Finance Charge
 None
Transaction Charge per Use
 None
Grace Period
 25 days on Purchases
None on Cash Advances
Balance Computation Method
 Average Daily Balance
Other Charges
  
Late Payment Fee
 $10.00 after twenty (20) days
Returned Check Fee
 $20.00
Over-the-Limit Fee
 $20.00
Card Replacement Fee
 $2.00
Collection Costs
 To the extent permitted by law, you will be also required to pay the Credit Union's 20% collection expenses, including court costs and attorney's fees.
The preceding disclosures were posted February 11, 2000 / updated June 26, 2004 and are accurate as of the latest date. Rates and terms are subject to change. Please contact your Credit Union for any changes since the terms were posted.

* Annual Percentage Rate
Online Access to your Credit Card Account Information!
You can now access your account information on the Internet! eZCardInfo.com enables cardholders to browse and view their current card information, including:
  • Account Balance
  • Available Credit
  • Amount and Date of Last Payment
  • Minimum Payment Amount and Due Date
  • Last Statement Date
  • Cash Advance Limit
  • Transactions Posted Since Last Statement
Simply click here and enter the card number and security code, and you can see the information about your account. You can access payment address information as well as instructions and forms for handling disputed charges.
Certegy provides eZCardInfo.com as part of your cardholder service package, at no charge. It is a completely generic service, with no Certegy or institution branding.
Equal Housing Lender

PHH Mortgage Financing

Mortgage financing made simple!

Just call 1-877-308-2569 or click on the link above!

Before you call, have the following on hand:
ABOUT YOU
Name and Social Security number of each applicant
Address of landlord or address of mortgage company and mortgage account number
ASSETS
Source(s) of down payment and closing costs
Credit Union address, account number and approximate balance
Value of assets (stocks, bonds, mutual funds, etc.)
Net worth of businesses owned (if applicable)
DEBTS
Confirmation of credit cards and installment loans
Information on any other properties owned (rental, investment, second homes, etc.)
Alimony / child support payments (if applicable)
INCOME
Monthly salary and source of income
Information on employment
Hours of Operations
Monday - Friday 8:30 am - 10:00 pm
Saturday 8:30 am - 8:00 pm
Contact the office for service.  erticu@velocity.net


© Copyright 1999-2012, by Webmaster Kathleen M. Williams.
Last Updated April 20, 2012


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