Loans

Your Credit Union offers auto loans for new and used vehicles up to 120% of the value. For new vehicles the value represents the MSRP for the vehicle. For used vehicles the value represents NADA retail value or Kelly Blue Book retail value. The extra financing amount above the value the may include, sales tax and a warranty as well as an amount you may be “upside down” in your vehicle. Being “upside down” is the difference when the balance of your loan is higher than the value you receive as a trade in allowance.

Your Credit Union offers boat loans for new and used boats up to 80% of the value. For new boats the value represents the MSRP. For used boats the value represents NADA retail value or Kelly Blue Book retail value.

Your Credit Union offers motorcycles loans for new and used motorcycles up to 80% of the value. For new motorcycles the value represents the MSRP for the vehicle. For used motorcycles the value represents NADA retail value or Kelly Blue Book retail value.

Your Credit Union offers recreational vehicle loans for new and used recreational vehicles up to 80% of the value. For new recreational vehicles the value represents the MSRP for the vehicle. For used recreational vehicles the value represents NADA retail value or Kelly Blue Book retail value.

Your Credit Union offers a secured loan by securing your shares or certificate as collateral. Enjoy the convenience of maintaining your savings, while borrowing for that unanticipated event. Best of all, a secured loan offers a lower rate than a personal or signature loan.

Your Credit Union offers home equity loans up to 80% of the value of your home. The value is determined by an appraised value less the remaining principal balance. In some instances, if you already have a written appraisal less than 2 years old, a new appraisal may not be necessary. Otherwise, we will obtain an appraisal as part of the application process. Since home equity loans have some unique features that are not applicable to our other loans, online applications are not accepted. Please call or stop by the credit union and talk to one of our lending officers.

Your Credit Union offers a variety of unsecured loans. The unsecured loans are typically called a personal or signature loan. We also have a number of other unsecured loans such as Debt Consolidation loans, Vacation Loans, Holiday or Christmas Loans, and our Whatever/Whenever loan. The same great rates apply to all our unsecured loan products

Enjoy the convenience of our Visa® Classic credit card at a low fixed rate of 9.9% with no annual fee and a 25 day grace period. Use your Visa® card at millions of locations around the world wherever Visa® is accepted. Our Visa® card also includes an Auto Rental Collision Damage Waiver Program, so it provides additional protection to you when you need it, all at no cost.

If your Visa® credit card is lost or stolen please call 1-800-991-4961 immediately to have your card blocked and then please notify the Credit Union within 3 days.

You can log in at www.EzCardInfo.com to access your account or you may call 1-800-433-0505 to check or your balance, payment amounts, due dates etc.