Click here to fill out our Online Loan Application.

Click here to view our Loan Rates.

No penalty for early payoff of loans.

How do I apply for a Loan? What paperwork is needed? When will I know if we are approved?

• Please come in an get a loan application.
• Have it filled out completely and signed.
• You will need a copy of your check stubs showing your income and a copy of your most current income tax return.
• Most loans are approved in 24 Hrs.

What criteria must be met to qualify for a loan?

• A credit Report will be pulled on the individual applying for a loan and on the spouse of an individual applying for a loan if married.
• Loans will be made to members based upon their abilities to pay back the loan and their credit standings.
• Maximum loan amount is $60,000.00 per member account and no more than five loans.
• The following combined considerations will determine the approval or disapproval of any loan applications – Good Credit Report; Previous loans with the Credit Union paid off on time; Debt ration below 45%.
• A co-maker may be required when the co-makers worthiness would strengthen loan approval to the applicant. Co-makers are not limited to family members.
• No member can be a co-maker on more than 2 loans at one time.
• No penalty for early payoff of loans.

How will I know if you will loan the amount I need for the vehicle I am buying?

• Come in and tell us the year, make, model and all options that are on the vehicle.
• We will need to know what size engine and how many miles are on the vehicle.
• From this information we will pull the high/low average to see what we can loan.
• We loan 100% on brand new vehicles and 90% of the high/low average on a used vehicle.

What kind of things does the Credit Union loan on?

• New and Used Vehicles
• Machinery and Equipment
• Livestock
• Agricultural Equipment
• Recreational Vehicles
• Metal Buildings
• Motor Homes and Travel Trailers
• Mobile Homes – not converted to real property
• Boats

What other kinds of loans are there?

• Share loans
• Signature loans