Personal Loans
There are loans, and there are Advantage Plus Loans. You don't think we stumbled on our name by accident, do you?
As a not-for-profit credit union, our purpose in providing loans is to give you the tools you need to reach your goals and save you money while doing so. See if you can find that motive on Wall Street!
- Summary
- Excellent interest rates
- Wide range of terms
- Local decision-making
- Unsurpassed personal service
- Flexible programs tailored to your needs
- Easy application process
- Continued local customer service through life of loan
We offer personal loans for just about anything you could need or imagine. Some popular loan types and purposes include:
- Signature Loan (no collateral required)
- Debt Consolidation Loan
- Vacation Loan
- Christmas/Holiday Loan
- Overdraft Protection Loan
Take a look at our current rates.
- Credit Life Protection
This optional coverage can be elected for all Advantage Plus loans to provide security when it would be needed most. If the covered borrower passes on, the loan balance would be paid in full. This prevents spouses, children, heirs, and other remaining borrowers from being saddled with more debt during an already difficult time.
Credit Life Protection can be elected for the primary borrower, the secondary borrower, or both. It can be added to the loan balance so there is no separate payment to be made. This protection is a form of term life insurance and ends at the time the loan is paid off.
Features & Benefits:
- No health questions to answer if protection is elected within 30 days of the loan
- All members pay same low rate regardless of sex, health, or occupation
- Covers up to $50,000 and 15 years
- Borrower or co-borrower must be under 70 years of age
- No employment requirements for borrower or co-borrower
- Protection can be cancelled at any time
- Conditions existing within six months prior to electing coverage are not covered until 6 months after the coverage was elected
This list is not intended to be all-inclusive of either the benefits or restrictions. For more information, contact the credit union.
Cost:
- Single rate: $0.86 per $1,000 balance per month
- Joint rate: $1.42 per $1,000 balance per month
