CONSUMER LOANS

Vehicle Loans

We offer up to 100% financing on New and Used Vehicle loans based on the MSRP, NADA or purchase price, whichever is less. The interest rate for this type of loan is based on credit score and the term of the loan.

Includes New & Used Autos, RV's, Trucks, Boats, & Motorcyles

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Other Collateral

We offer up to 100% financing on New and Used collateral based on NADA value or purchase price, whichever is less. The interest rate for this type of loan is based on credit score and the term of the loan.

Includes ATV's, Snowmobiles, Jet Skis, Lawnmowers, Snowblowers.

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Personal Loans

Our personal loans are unsecured loans that can be used for any purpose, such as vacation, taxes, computers or personal use. The interest rate is determined by credit score. Loan amounts are determined by credit score and income.

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Overdraft Protection (LOC)

Our Overdraft Protection loan is an unsecured revolving line of credit that is used for overdraft protection for the checking account. Loan advances are made in increments of $100.00 and monthly payments (based on the loan amount; minimum payment of $25.00) are due on the 25th of each month.

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Share Covered Loans

Our Share Covered loans require that funds be pledged from a United Savings Credit Union deposit account or Certificate to secure the loan. When money is pledged on an account, a “hold” is placed on the money. This “hold” prohibits withdrawals, but as the loan principal decreases, the pledge also decreases.

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Fresh Start Loan

Our Fresh Start Loan is for members who may have credit issues and may not be able to obtain an auto loan with traditional financing. This loan allows those members to purchase a better quality vehicle than they might otherwise be able to obtain while assisting them in a long term plan to improve their credit standing. Members must agree to have a GPS unit installed in the vehicle with the understanding that should the payment be late by even one day, the credit union may deactivate the vehicle and use the GPS unit to track the location of the vehicle if repossession becomes necessary. Once 12 payments have been made on time, we will lower the interest rate by 1% and will continue to lower the interest rate for each successive 12 month period.

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