Holiday Loan

If you choose to have loan proceeds deposited directly to an account, there are no fees. However, if you choose to have loan proceeds sent to you by physical check, a $10 UPS fee will apply.

Yes, the Credit Union offers loan discounts to help you get the best rate possible. Keep in mind our standard rates include a 1.00% discount for automatic payments. You’ll receive an additional 1.00% rate discount for loan terms up to 36 months. Plus, you can save an extra 1.00% off your loan rate when you qualify for the Rewards Rates discount.

Rewards Rates allow you to earn more on your deposits and/or save more on your loans. To qualify for a Rewards Rate, you must meet two of the following criteria:

• Direct Deposit of at least $1,000 per month into a checking account at the Credit Union

• At least $25,000 on deposit

• At least one qualifying loan in good standing from the following list of loan types: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

For your convenience, the Credit Union provides a variety of ways to apply for financing. You can Apply Online or give us a call at 888-389-8344 to apply by phone. Once your loan application is completed, one of our loan representatives will contact you either by email or phone within one business day to review the status of your application.

The Credit Union offers a wide range of loan repayment options. Once you apply, you will be assigned a loan representative who will work with you to find the repayment options best suited to your individual needs.

The Credit Union rates are determined by a number of variables, including—but not limited—to credit score, loan type, etc. All lending decisions, including rates, are made in compliance with the Fair Housing Act (FHA) and Equal Credit Opportunities Act (ECOA).

Since all pre-approvals are based on a number of variables, a loan application must be submitted for underwriter review to determine the financing amount you qualify for.

Once a pre-approval is determined, it is valid for 90 days, unless cancelled at the member’s request.