Loan Solutions

All Loans are Subject to Credit Approval

Vehicle Loans

New, Used & Classic vehicles

  • Financing up to 100% of purchase price or NADA retail value, whichever is less.

  • GAP (Guaranteed Asset Protection)

  • Vehicle Warranties available

New & Used Recreational Vehicles 

  • Includes RV's, Campers, Boats, Motorcycles, etc.

  • Financing up to 100% of purchase price or NADA retail value, whichever is less.

  • GAP Available (Guaranteed Asset Protection) & Vehicle Warranties available

CarFax vehicle history reports are available for $19.99
A CarFax report can be beneficial in your car shopping journey for a variety of reasons.  Receiving a CarFax report can give you piece of mind knowing several details about your newly acquired car such as: Accident History, Service History, Mileage History, & Owner History.  We always want our members to be satisfied with their car purchase & all of these things can play a big role in your decision.

Cash Loans

Share Secured 

  • Utilize funds in your savings accounts as collateral

  • May be used to establish or help build credit

  • Minimum of $500 to get started

  • Daily Periodic Range (DPR): 0.006164%

  • Annual Percentage Rate (APR*) is 2.25% when secured by Primary Savings.

 

Overdraft Line of Credit

  • Overdraft Lines of Credit up to $3,500.00

  • Daily Periodic Range (DPR): 0.049315%

  • Annual Percentage Rate (APR*) Base is 18.00%

Personal

  • Loan amounts up to $15,000.00

  • Seasonal Christmas & Vacation Loans

  • Daily Periodic Rate (DPR) Range of:
    0.028767% - 0.049315%

  • Annual Percentage Rate (APR*) Range of:
    10.50% - 18.00%

CERTIFICATE SECURED LOANS
The Annual Percentage Rate (APR) for advances secured by Share Certificate will be equal to the Dividend Rate being paid on the Share Certificates offered as security (Index Value) plus a Margin of 2.00% as of effective date of the loan.

Mortgage Loans

first mortgages

  • First mortgage opportunities available through CUMA (Credit Union Mortgage Association) and Upstate Federal Credit Union

  • Purchase home loans available through CUMA (Credit Union Mortgage Association)

All Loans are Subject to Credit Approval

home equity lines of credit

  • Current Promotion:
    Credit Union pays for reasonable closing costs (appraisal, attorney fees, & title opinion)

    • Closing costs typically less than $2,500

  • Terms up to 180 months

  • Financing up to 80% of your home's equity

  • Variable rate

    • Rate can only change once annually

    • Tied to Prime Rate (floor of 4.00%)

    • APR* Range: 4.00% - 18.00%

  • Discount of .50% if credit score is over 700 at approval (floor of 4.00%)

  • Payment Example -

    • $50,000 loan amount @ 7.50% APR*

      • 180 monthly payments of $463.57

2nd mortgage real estate 

  • Fixed Rate

  • Terms up to 240 months

  • Financing up to 100% of your home's equity

  • Low closing costs include appraisal, attorney fees, & title opinion (no origination fees)

    • Closing costs typically less than $2,500

  • At this time, the rates are between 7.00% and 12.00% APR*.

    • Please contact your local branch for the current rate.

  • Payment Example -

    • $50,000 loan amount @ 8.50% APR*

      • 180 monthly payments of $492.43

Land Loans

Land Rates

  • Rural land up to 65% Loan to Value

  • Sub Division up to 85% Loan to Value

  • Maximum acreage 5 acres

  • At this time, Land-only loans are 8.75% APR*

  • Payment Example -

    • $50,000 loan amount @ 8.75% APR*

      • 120 monthly payments of $626.65