Loan Products

We offer a full range of loan programs to fit all of your borrowing needs.  Interested in applying for a loan? Let us know using our Online Services.  Check out our loan rates!

Personal/Signature Loans

These loans are a cost-effective alternative to credit cards.  We offer loans up to $5,000 - a program to fit everyone's needs and budget.  Personal loans are also an excellent way to help younger people establish a credit history.  Whatever your personal needs, our signature loan may be a smart choice for you.  

Debt Consolidation Loans

Our Debt Consolidation Loans are easy on the wallet.  Consolidate and pay off those high interest rate credit cards and store charge cards with a low rate consolidation loan.  You may borrow up to $10,000 for five years.  So why not consolidate those high interest rate bills into one small, easy convenient payment which will save you money?  And convenient Direct Deposit and Payroll Deduction loan payments makes it even easier to become debt free.

Share Secured Loans

Share Secured Loans are another option for your financial needs.  For example, if you have problem  credit and need to borrow money, or you may want to get the lowest possible rate for a loan, a Share Secured Loan could be the answer for you!  With a Shared Secured Loan, you use your savings account, money market or share certificate as collateral.  

Automobile Loans       

Got that new car fever?  We've got the cure!  We can help you finance that new or pre-owned vehicle you're dreaming about.  The convenience of our pre-approved auto loans makes your purchase even easier.  Once approved, you can shop like a cash buyer, confident that you can bargain for the best price and take advantage of manufacturer rebates or incentives.  We offer Motor Vehicle Certification Program (MVCP) which makes getting that best price even easier.

Home Equity Loans       

Your best source of credit may be the equity in your home.  A home equity loan can be used for almost anything you need, whether it be for home improvements, education expenses, or medical expenses.  Not only is the interest lower than on most other types of loans, but the interest may be tax deductible (consult your tax preparer or financial advisor).  Our home equity loans feature:

• More Buying power - Borrow up to 90% of the appraised value less any liens on the property
• Minimum loan amount of $10,000
• No Closing Costs and No Points
• Fixed interest rate based on Loan-to-Value and credit history.
• Closed end/fixed term loan
• Five, seven and ten-year terms available.
• Currently, single family owner occupied residences located within the Commonwealth of Pennsylvania or the State of New Jersey

Repaying a Loan

You may make your payments using any of the following methods:

• Setting up Direct Deposit or Payroll Deduction to the Credit Union
• Mailing in monthly coupons
• Dropping off your payment in person at our office

Since we calculate interest using the simple-interest method, there isn't a penalty charged for early payment.  Therefore, you may make additional payments and reduce your total interest costs over the life of the loan.