The Credit Union now offers a range of rates for “new” secured loans. Our new rate structure is simpler in some ways. The rate you qualify for is the same for Cars, Boats, RVs, Motorcycles, ATVs and Snowmobiles. If you have good credit, you can get up to 100% financing. What if you have a poor credit history? Your rate will be higher – but at least we don’t have to say no! And as your credit history shapes up, you’ll get a better rate next time. If you already financed your loan with another lender, consider refinancing it at the Credit Union. If you have had loans before, it’s as simple as a phone call to the Credit Union to update your information. If you are new to the Credit Union or have never borrowed before, we have an online loan application for your convenience. New secured loan rates start as low as 4.25% APR.

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The Credit Union also offers a range of rates for “used” secured loans. Used secured loan rates start as low as 4.25% APR. On used secured loans, we can loan up to 120% of low Kelly Blue Book Value. Longer terms are available with slightly higher rates.

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Try a home owners vehicle loan. The Credit holds the vehicle title and does a courtesy trust deed on your home as collateral. Interest may be tax deductible (check with your tax advisor). Additional fees may apply. Interest rates are the same as “new” and “used” secured loan rates.

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If you’re a homeowner in Oregon or Washington, a Home Equity loan can serve as a powerful financial tool. You can use it to send the kids to school, payoff other high interest loans or credit cards, do home improvements, take a vacation, you name it! The Credit Union can loan up to 100% of your tax-assessed value, minus the balance of your first mortgage (based on your credit and score) and the interest is usually tax deductible (check with your tax advisor). We offer two types of Home Equity Loans; a straight Home Equity Loan where you take all the proceeds all at once and have rates as low as 7.0% APR fixed for five years. Longer terms are available with slightly higher rates. We also offer a Home Equity Line of Credit where you can take the funds as you need them with draw periods up to 10 years and a repayment period of 10 years. The Home Equity Line of Credit has a variable rate as low as 7.0% and an annual fee of $25.00. Whichever one you choose, the only fee you pay is a $100.00 application fee. The Credit Union pays for everything else; a savings of over $200.00.

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Thinking about buying a home or refinancing? You can possibly get a lower interest rate, change the term on a current loan, or even get cash back. Who can you trust more than your Credit Union! Buying a home is the biggest financial investment many of us ever make, so be sure to check with your Credit Union before you settle for financing somewhere else. We can pre-approve your mortgage, which focuses your house shopping and frees you from worrying about financing. On refinances, closing usually occurs within 30 days. To apply online for mortgage loans click here.

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Planning to go to college, continuing your education, or want to consolidate what you already have? The Credit Union offers a variety of Student Loans and Consolidation loans through Great Lakes Higher Education. Your Credit Union can help you make the necessary financial adjustments to pursue your academic goals.

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The Credit Union offers signature loans up to $10,000.00 (maximum unsecured with the Credit Union, $10,000.00). We offer interest rates as low as 6.75% (based on your credit and score).

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Personal Lines-of-Credit are available with credit limits up to $10,000.00 (maximum unsecured with the Credit Union, $10,000.00). The interest rate with an automatic payment is 6.75%. With a line-of-credit, have the flexibility of getting cash when you need it, with your payments based on your balance.

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Our Visa Credit Card offers worldwide acceptance, with no annual fee, and a 25 day grace period. Cash advances or balance transfers, the interest rate is the same. Call the Credit Union for the current rate.

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Continue to earn dividends on your shares or certificate. Borrow against your shares or your certificate for only 2% over your share or certificate rate.

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