SHARE LOAN: Borrow dollar for dollar against your shares.
Interest rate 3%* above the declared dividend from previous quarter.
Maturity date for term if using certificate. $40,000 maximum loan.
 
Personal Loans: (maximum loan up to 5000.00)
Amount APR * Conditions For Loan Term
up to 1000.00 9.99%* 10% in shares (no payment held) 90 days
up to 1500.00 14.99%* 10% in shares & one month payment 12 mo.
5000.00 or less 14.99%* 10% in shares & one month payment 36 mo.
 
6,500.00 LINE OF CREDIT 7.99% 2 PAYMENTS HELD AS SECURITY 48 mo.
 
~ term and condition for loan may vary according to credit on file at credit union and credit bureau.
~ anything over 36 months will have an interest rate of 16.00%* with a limit of a 48 mo. term.
 
Car Loan Rates (45,000.00 limit)
Car/Truck Term APR * Requirement
2015 - 2016 72 mo 9.99%* 5% required in shares & one month payment
2013 - 2014 72 mo 10.25%* 5% required in shares & one month payment
2011 - 2012 60 mo 10.50%* 5% required in shares & one month payment
2009 - 2010 60 mo 10.75%* 5% required in shares & one month payment
2002 - 2008 48 mo 11.00% 10% required in shares & one month payment
 
Boat Loan Rates (45,000.00 limit)
Boats
2015 - 2016 72 mo 9.99%* 5% required in shares & one month payment
2013 - 2014 72 mo 10.25%* 5% required in shares & one month payment
2009 - 2012 60 mo 10.75%* 5% required in shares & one month payment
1998 - 2008 48 mo 11.00%* 10% required in shares & one month payment
~ older boats before 1998 will go back to the committee for % and term.
 
Rv/Trailers/Motorcycle Loan Rates (45,000.00 limit)
Rv / Trailers / Motorcycles
2054 - 2016 72 mo 9.99%* 5% required in shares & one month payment
2013 - 2014 72 mo 10.25%* 5% required in shares & one month payment
2008 - 2012 54 mo 10.50%* 5% required in shares & one month payment
2002 - 2004 48 mo 11.00%* 10% required in shares & one month payment
 
Application fee
$25.00-$50.00 non-refundable    
 
LOAN TERM OVER MAXIMUM MONTHS STATED WILL HAVE A .50%* INCREASE IN STATED CATAGORY.

* (APR) Annual Percentage Rate
~ Some loans/security may not meet any category, but can be considered by the Credit Committee, with terms and interest rate to be negotiated. Mobile Homes and classics cars would fit this category.

SHARES PLEDGE
PERCENTAGE PLEDGE WILL REMAIN IN ACCOUNT UNTIL LOAN BALANCE EQUALS THE PLEDGE AMOUNT, THEN PLEDGE CAN BE REDUCED.
ONE MONTH PAYMENT WILL BE HELD FROM PAYROLL DEDUCTION EACH MONTH AND TRANSFERED TO THE LOAN ON THE 28TH OF EACH MONTH. THIS REQUIREMENT CAN BE WAIVED IF THE APPLICANT IS NOT ON PAYROLL DEDUCTION. PAYROLL DEDUCTION AND LOAN PAYMENTS MUST BE SENT INTO THE OFFICE BY THE 28TH OF EACH MONTH

 

********$25.00 (No title) - $50.00 (Title Involved) application fee non-refundable*******



All deposits at Credit Union One are insured to $250,000 per account through ASI.
This credit union is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

1-hour loans
Current Loan Rates

Personal Loans
as low as .........

 
7.99%*

New & Newer Used Car Loans
2015's - 2016's starting at ......

 


3.15%*

Used Car Loans
2005's - 2014's
starting at ......

 

3.75%*

Call today to see how you can apply for these great rates.

* (APR) Annual Percentage Rate
Restrictions do apply

OFFICE HOURS

  Monday   7 am - 5 pm
  Tuesday 10 am - 4:30 pm
  Wednesday 10 am - 4:30 pm
  Thursday 10 am - 4:30 pm
  Friday   7 am - 5 pm

Closed
Independence Day
Monday, July 4

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Invest-In-America-logoGM Discounts are available to Credit Union One Members.
Visit www.lovemycreditunion.org to learn more about Credit Union Member Discounts on new Chevy Buick and GMC vehicles. Under "Exclusive Discounts" click on the "Chevy, Buick, GMC" graphic. Sign in and create a password to receive your GM Authorization Number.

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