| New/Used Auto |
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Equipment |
| Personal |
WriteLine
Line of Credit |
Term Share Secured |
New/Used
Recreational |
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Home Loans |
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Let the Credit Union handle all your lending needs. From new auto to debt consolidation, we
have the lending solution for you!
Our online application makes applying for a loan quick and easy.
Click on a type of loan above for more information including how to apply.
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For your peace of mind, we also offer:
- Up to 100% Financing
Finance your vehicle's purchase price, plus tax, title and license fees. We'll
even finance the extended warranty to give you added peace of mind.
- Credit Life & Credit Disability Insurance
Makes loan payments for you in the event of a disability or death.
- Guaranteed Auto Protection (GAP) Program
Within the first two or three years of ownership, your new vehicle will depreciate in value faster than the loan/lease
balance. A significant gap can exist between the amount of money your insurance company will pay and the amount you
still owe on your automobile loan/lease balance. GAP could save you thousands of dollars that would otherwise be an
out-of-pocket expense. This affordable coverage bridges the gap between what you owe and what your insurance company
will pay, protecting you from unnecessary risk. Add GAP to your loan when financing your vehicle.
 Extended Warranty - Check into our new low-cost, high-quality extended auto protection program.
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New and Used Auto |
| We offer flexible financing to help you get the vehicle you want at a low monthly payment. Purchase the
vehicle that you've always wanted today!
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Equipment |
| We'll finance furniture, computer equipment, electronic goods or anything else you need. Equip yourself with the
satisfaction of a personal equipment loan.
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Secured Loans |
| Enjoy a low rate when your loan is secured by your share funds or Term Share Certificate.
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Personal |
| A personal loan can handle all your personal lending needs. Need debt consolidation? Need emergency funds?
Contact a loan representative for additional information.
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WriteLine - Line of Credit |
| Because a WriteLine loan works just like a revolving line of credit, but with a
substantially lower interest rate! It can be used independently or attached to your checking
account. Use your WriteLine loan for increased buying power or as additional overdraft protection
for your credit union checking.
It's a versatile way to get the money you need when you need it, and it's as easy to use as
writing a check!
How Does WriteLine Work?
Your WriteLine loan may be tied directly to your checking account, and serve as overdraft
protection. When a check tries to clear your account and there are not sufficient funds to cover
the item; funds may automatically transfer from your WriteLine loan as follows:
- Transfers will follow your Overdraft Selection Authorization preferences.
- Transfers from a WriteLine loan will be made in $1.00 increments, up to the available amount of your credit.
- WriteLine loan must be current.
A WriteLine loan may protect you from the expense and embarrassment of a bounced check, and it may
also be accessed for fast cash whenever you need it.
WriteLine Loans were designed to allow YOU to write a check against a loan for purchase or other
needs. You may use your WriteLine Loan in several different ways:
- Transfer the desired amount to your checking account via HomeBr@nching.
- Transfer the desired amount to your checking account via MARS.
- Request a Your FCU employee to transfer funds from your loan to an account.
- Write a check to overdraft your checking account in $1.00 increments to the loan.
- Authorize an EFT debit to overdraft in $1.00 increments.
How Much Does WriteLine Cost?
There is no annual fee for a WriteLine account, and the interest rates are very competitive.
Interest rates may vary depending on your individual credit history. Please visit our web
site, www.yourfederalcu.com for current WriteLine Loan interest rates. The amount and due date
of your payment will be established at the time of each advance and will be disclosed on the
disbursement receipt accompanying each advance. Your minimum monthly payment will never be
less than $25.00. Be sure to ask about your payment options.
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New and Used Recreational Vehicles |
| We finance boats, RVs, motorcycles and personal watercraft.
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Home Loans |
- Home Equity Loans
- Home Improvement Loans
- Mortgage Loans
Please contact the credit union at 800-388-7889 option 3 for information.
 We are an Equal Housing Lender(click link to view notice)
The HMDA data about our residential mortgage lending are available for review. The data show the geographic distribution
of loans and applications; the race, gender, and income of applicants and borrowers; and information about loan approvals
and denials. Inquire at any office regarding the locations where HMDA data may be inspected.
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