Credit Union Loans & Services

Debt Consolidation Loans

Credit unions are nonprofit financial organizations owned by its members (or customers) that focus on service over profitability.

Although Credit Unions can offer the same products and services as banks, such as home mortgage loans, home equity loans, car loans, consolidation loans..., they usually only offer the products and services that a majority of its members are more likely to use.

Credit union deposits (called shares) are insured just like bank deposits.

Credit unions offer great competitive rates on a full range of loans: consumer, mortgage and home loans. If you need to borrow money for a car, computer, furniture or home improvement, A low rate loan from a Credit Union near you could be your best option.



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The type of Credit Union loans available depends on your credit union.


HOME LOAN

Home financing and refinancing loan options range from 15 to 30-year fixed rate and adjustable rate mortgage loans. Credit Union loans offer mortgage programs to help new home buyers and those who want to re-finance their current mortgage. Credit Union home loans never carry a pre-payment penalty.

Types of home loans:

  • Fixed Rate: The fixed rate loan gives you the benefit of a low interest rate over the life of the loan.
  • Variable Rate: A variable rate Home Equity Line Of Credit (HELOC) can give you a lower initial interest rate but is subject to adjustments on a monthly basis.
  • Second mortgages
  • Jumbo mortgages (generally over $322,700 on single family homes)
  • Balloon loans
  • HOME EQUITY LOAN

    You can use the equity you've built-up in your home for important matters like college tuition, debt consolidation and home improvement. Credit Union Loans are available for new pools, kitchen remodeling, or additions.

    Get a $5,000 or $50,000 home equity loan if you plan to remodel, add a pool or spa, install siding, purchase new windows, or build a new room, deck or patio. A Credit union home equity loan will help you improve your home and save you money at the same time.

    Many loan programs offer quick processing in only a few days, and with no closing costs or reduced closing costs to the borrower on most loans.

    Your Home Equity loan may even be tax deductible.

    Types of home equity loans:

  • Fixed Rate: The fixed rate loan gives you the benefit of a low interest rate over the life of the loan.
  • Variable Rate: A variable rate Home Equity Line Of Credit (HELOC) can give you a lower initial interest rate but is subject to adjustments on a monthly basis.
  • CAR LOAN

    Some Credit Unions specializes in auto loans. Credit unions work with you to make sure your loan fits your budget, and help you get the lowest rate possible. For both new and used vehicles, you can save time at your local car dealer by financing through a credit union. Credit Union offers terms up to 84 months and great rates.

    HOW TO BECOME A MEMBER

    Credit unions cannot simply offer their services to anybody. Credit unions have to limit their offerings to people who have a common bond. This bond may be the geographic community, a religion, a workplace, or other type of bond. If a credit union fails to limit membership in this way, they risk losing their status as a credit union. So look for a credit union in your community near you and apply for a membership. It could save you a lot of money on loans in the future.

    From time to time individual credit unions will offer special loan rates so it is beneficial to check in with your local credit union regularly.





    New York Credit Unions

    California Credit Unions

    Western Federal Credit Union

    Ventura County Credit Union

    Western Credit Union

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    DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by Consolidate-Credit-Card.Net is intended for educational purposes only. All the content on this website should NOT be considered professional advice or a substitute for professional advice. For such services, we recommend getting a free initial consultation by a licensed debt counselor in your state.

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