Low-rate secured loans are offered for cars, trucks, vans, RVs, boats, motorcycles, snowmobiles, and much more. We offer 100% financing with repayment terms to meet your budget. Whether you are making a new purchase, or if you’d like to refinance a higher-rate loans at another lender, we have a loan that’s right for you.
Share Secured Loans
Use your savings as collateral for a low-rate loan. As your loan decreases, that amount becomes available to you in your share account.
Home Mortgage Loans
If you’re in the market for a new home mortgage, or if you’d like to refinance your existing mortgage, your credit union has a program to meet your needs. Members can choose from first-time homebuyer programs, purchases, refinances, construction loans, FHA/VA loans, and paying off land contracts.
Call the Mortgage Center at 1-888-562-6865 for additional information and current rates, or click here to visit the Mortgage Center website today.
Home Equity Line-of-Credit Loans
When financing major expenses such as home improvements, vehicles, college, or debt consolidation… take advantage of the equity in your home by using it as collateral for a Credit Union Advantage Home Equity Loan. When you need cash simply write a check, or make transfers through PAT, online banking or mobile banking, or stop by the credit union office.
The interest rate for a home equity loan is based on the Prime Rate, is variable, and is subject to change annually. The rate change can be 2% over the Prime Rate as published in the Wall Street Journal.
VISA Credit Card
When you carry a VISA credit card from your credit union, you’ll find that it’s the only card you need. Features include:
Apply for an overdraft line-of-credit to protect your checking account. You’ll avoid paying fees for returned checks, and transfers to and from your loan will be recorded on your statement.
Personal Signature Loans
We offer many loan programs to meet your needs. Whether you need extra cash for holiday shopping, a great vacation, debt consolidation, wedding expenses, or any worthwhile purchase... we can help.
Pre-approved loans are available for all of our loan programs. Apply for your loan before you begin shopping. When you have a pre-approved loan, it’s like shopping with cash.
Guaranteed Asset Protection (GAP) is an optional program available for your new or used vehicle. This financial protection covers the difference in the balance on a car loan and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered. GAP is a supplemental coverage and does not replace your standard comprehensive, collision and liability coverage, only enhances it. Ask a loan representative for additional information and the costs associated with this coverage.
Mechanical Breakdown Insurance
Never worry about the high costs of auto repairs when you purchase Mechanical Breakdown Insurance coverage through Credit Union Advantage. Contact us for details on the type of coverage available to you.