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Members with $25.00 on deposit with STCU are eligible to apply for a credit union loan. Loan applications are subject to credit approval. We make every effort to review loans daily. To expedite the approval of your loan, please read all instructions and make sure your loan application is complete. |
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Personal Loans -
obtained for consolidating bills, medical bills, car repairs, wedding, tuition and moving expense, etc. Vehicle Loans - we offer an excellent range of low-interest loans for both new and used vehicles Why not fill out your loan application before you shop? Getting pre-approved (and finding out exactly how much car you can buy) will give you bargaining power. We're proud to be teamed up with Enterprise Car Sales. This means low pricing and discount service packages on new and used vehicles for STCU members! VISA Credit Card - as an STCU member, you may apply for a VISA card. Our VISA has NO annual fee plus a competitive interest rate ranging from 7.65% to 16% APR. Pay off your balance within the 25-day grace period and owe no interest at all. No cash advance fee with STCU VISA. If you currently hold a higher interest VISA or MasterCard, we invite you to "move it" to STCU. Check for details. Online Credit Card Account Info - available for STCU credit card holders -www.ezcardinfo.com Just go to this site and type in your identifying information for online information and help! This site lets you access:
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Home Equity Loans
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bill consolidation, tuition or even a new car can be obtained with a
home equity loan. Limit $50,000.00 with a payback over 20 years. Fixed
rate of interest. Interest may be tax deductible. Consult your tax
advisor. If you are considering a home equity loan or want more information click here.
Personal Property - use for appliances, lawnmowers, computers, televisions, furniture, etc. Home Improvement - add on to your present home, carport, patio, new roof, etc. Short Term Advance - 30-60-90 day loan, limit of $1,000.00 plus single payment charge of $7.50 on the 1st $100.00 and $1.50 on each additional $100.00. Overdraft Protection Loans - line of credit is established to take care of checks (share drafts) not able to clear the account. Christmas Loans - available from October 1st through January 31st with a maximum of $1,500.00 for up to 12 months. Vacation Loans - available from April 15th through September 15th with a maximum of $2,500.00 for up to 12 months. Helping Hand Loan - available as a "last resort" for member needing a lower payment plan and help establishing or rebuilding credit. Member must not qualify for cash advance, and must not be in bankruptcy. Maximum $300.00 at 18%APR. Loan advance fee is $20.00. Repayment over 6 paydays (3 months) by payroll deduction only.
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