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Loans & Applications

The credit union offers loans for all occasions. The loan process is fast and simple. Our fast, no hassle loans can put you in a new or used car or truck, van or RV. We also finance motorcycles, boats and campers, We also have Home Improvement Loans and Real Estate Equity Line of Credit Loans. Whatever your lending need, the credit union is here for you with low rates.

Types of Loans Available

New & Used Auto

  • New or Used autos can be financed.
  • Flexible terms up to 72 month for new autos.
  • Fast approval process.
  • No prepayment penalties.
  • Notaries on staff for title transfer.
  • Gap insurance and Extended Warranty Program available.
  • Debt cancellation protection available.

Motorcycles

  • Flexible terms for new or used motorcycles.
  • Fast approval process.
  • No prepayment penalties.
  • Notaries on staff for title transfer.
  • Debt cancellation protection available.

RVs & Boats

  • For Campers, Motor Homes, All Terrain Vehicles, Boats, or Jet Skis.
  • No prepayment penalties.
  • Notaries on staff for title transfer.
  • Gap insurance and Extended Warranty Program available.
  • Debt cancellation protection available.

Heavy Vehicle & Equipment

  • Flexible terms up to 72 months.
  • Fast approval process.
  • No prepayment penalties.
  • Notaries on staff for title transfer.
  • Gap insurance and Extended Warranty Program available.
  • Debt cancellation protection available.

Signature

  • Can be obtained for any purpose: unexpected bills, car repair expense, vacations, etc.
  • Flexible terms from 12 months to 36 months.
  • Loan amounts up to $5000.
  • No pre-payment penalty.
  • Debt cancellation protection available.

Skip-A-Pay

Contact the credit union for Skip-A-Pay Request Form.

Debt Protection

Debt Protection is a new way to gain the peace of mind that comes with knowing your loan won t become a burden to you or your loved ones.

By cancelling or reducing your monthly loan payment or outstanding balance when a protected event occurs, Debt Protection provides protection against events that could impact your ability to repay your loan. Protected events may include:

  • Death
  • Disability
  • Involuntary Unemployment
  • Family Medical Leave of Absence

Debt Protection is available on your loan for as little as pennies a day and enrollment is quick and easy, making it simple to have dependable protection for when you need it most.

Why take the risk of leaving your loan unprotected?

Additional exclusions and limitations apply. Contact your loan officer for more information today.

GAP Protection

  • Eliminates out-of-pocket expense to pay off your loan if vehicle is stolen or totaled.
  • GAP covers the difference between your loan payoff and your primary insurance company settlement.
  • Clears your loan balance, allowing you to start fresh with a new vehicle purchase.
  • Can be included as a small addition to your monthly payment

Extended Warranty Service Contract

  • Covers major mechanical expenses.
  • Several coverage plans available.
  • Nationwide coverage.
  • Towing reimbursement.
  • Plans may include Flat Tire Assistance, Lock-Out Service and more.
  • Cost of service contract can be financed into loan payment.

Route66 Warranty

Get a Route66 Warranty Quote

Information Needed When Applying for a Loan

  • Apply online or in person at the Credit Union.
  • One month of pay stubs.
  • If self employed, tax returns for 2 most recent years.
  • For vehicle loans through a dealer: purchase agreement from dealer (fax to us at (330) 798-0217).
  • For vehicle loans through a private owner: vehicle make, model, VIN, mileage (the title must be free and clear of any liens).

Determine your payment with our Loan Calculators

Apply For a Loan Now
Buying a car? Contact a loan officer for a CARFAX® Vehicle History Report.Sallie Mae Smart Option Student Loan® - salliemae.com/landing/smartoption

Find the type of loan you are looking for in the first column and then follow the row across to find the current rates associated with that loan.

Loan RatesAPR (Annual Percentage Rate)
New Auto up to 72 monthsSpecial As Low As 2.49%
Used Auto up to 60 monthsSpecial As Low As 2.49%
Motorcycle up to 60 monthsAs Low As 4.99%
Recreational and Boat up to 60 monthsAs Low As 5.99%
Recreational and Boat 72-84 monthsAs Low As 6.99%
Recreational and Boat > 84 monthsAs Low As 7.99%
Signature LoansCall Credit Union for rates

Find possible events regarding loans that could incur a fee in the first column and then follow the row across to find out what that fee would be.

Loan Fees
Late Payment Fee$15.00 (after 10 day grace)
Loan Add-on Fee$49.00 per loan
Short Term Loan Application Fee$29.00 per loan