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Personal Loans
You can use a Personal Loan for just about anything. Use it to buy a new computer,
take a vacation, or for any other reason. Our rates and terms are competitive
to suit your financial needs, and your signature and good credit are all you need
for this all purpose loan.
Share Secured and CD
Secured
If you're thinking about withdrawing money from your Share Account to fund a purchase,
think again. You can make money and spend some too with a Share Secured Loan.
Just borrow the money you need against your Share Account or CDs. You'll save
on interest because your loan is secured against your funds so your interest rate
will be much lower than a traditional Personal Loan.
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Vehicle Loans
 When you're ready for your next vehicle, see us first. We offer up to 100% financing
on new and used vehicles, with new vehicle terms up to 72 months and used vehicle
terms up to 60 months. You can have your loan pre-approved for that cash-in-hand
negotiating advantage, then shop around to find the car, van, light truck or sport
vehicle you want. We can also help you establish the best price to resell or trade-in
your current vehicle.
Refinance And Save
If you have a high
interest Vehicle Loan elsewhere, bring it to us. You could refinance at our lower
rates and lower your monthly payment.
Recreational
Vehicles
Need a vacation home, but want to travel? We offer 100%
financing on Recreational Vehicles to help you make your dream come true! Motorcycle
Loans
Love the freedom of the open road? When you're ready to purchase
a motorcycle, come see us! We offer 100% financing and convenient terms for new
or used bikes. Boat Loans
Before you sail away, contact us for the financing you need. Whether you're thinking
new or used, we offer low rates and convenient terms.
VISA Credit Cards
When you need simple, reliable credit, look no further than your credit union!
We have four credit cards for your money management convenience. Choose from our
Student, Classic, Gold or Platinum VISA. One is right for you! All feature no
annual fees, low rates and limits to suit your needs.
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PLATINUM
|
GOLD |
CLASSIC |
Annual Percentage Rate
For Purchases |
7.90% for the first 6
months,
after that, 8.99% |
7.90%
for the first 6 months,
after that, 9.99% |
12.90% |
| Cash Advances APR |
12.90% |
12.90% |
12.90% |
| Grace Period |
Purchases - 25 days
Cash Advances accrue
interest from the date
the advance is made. |
Purchases
- 25 days
Cash Advances accrue
interest from the date
the advance is made. |
Purchases - 25 days
Cash Advances accrue
interest from the date
the advance is made. |
Method of
Computing
the Balance |
Average Daily
Balance Method
(including current
transactions). |
Average Daily
Balance Method
(including current
transactions). |
Average Daily
Balance Method
(including current
transactions). |
| Annual Fee |
None |
None |
None |
| Minimum Finance Charge |
None |
None |
None |
| Transaction Fee For Purchases |
None |
None |
None |
| Balance Transfer Fee |
None |
None |
None |
| Late Payment Fee |
$25.00 |
$25.00 |
$25.00 |
| Overlimit Fee |
$25.00 |
$25.00 |
$25.00 |
| Returned Check Fee |
$25.00 |
$25.00 |
$25.00 |
| Annual Statement |
$1.00 |
$1.00 |
$1.00 |
Home Equity Loans
Let the equity in your home work for you! Finance up to 90% of your home's
appraised value minus any first mortgage amount or liens. We offer fixed rate
and variable rate terms, plus there are no application fees or points to pay.
Call 856-423-1469 and speak to one of our loan officers today. Mortgage Loans
Ready for your first home? Ready to move up to a bigger home? Ready to get a better rate on your present mortgage? Whatever your mortgage needs are, our Mortgage Partner, State Financial Network, has a variety of mortgage programs to help you purchase your dream home or to refinance your present mortgage.
Call 1-800-426-7140 and ask to speak to a mortgage officer to customize a mortgage that's best for you!
Credit
Disability Insurance*
It happens. People get sick or hurt,
end up in the hospital, and may not be able to return to work. Even for those with good benefits, bills can mount up. Member's Choice® Credit Disability Insurance can help make your Fort Billings FCU loan payments during a covered life event.
Credit Life Insurance*
In the event of your unexpected death, would your family be able to make your loan payments? Member’s Choice® Life Insurance can help make those payments or pay the loan balance up to your policy maximum, to keep your family from choosing to use salary or other savings to make payments.
Stop by or call us today to find out more about these valuable options that help you protect your assets, maintain your credit record and care for your family.
AD&D Protection
In case of accidental death these extra benefits could be critical for your family.
The first $1,000.00 of coverage is free.
*Your purchase of credit life and credit disability insurance, underwritten by CUNA Mutual Insurance Society, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms.
CDCL-04110-41B3
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