Loans

When the need arises for a loan, make Times FCU your first choice. We make loans for many worthwhile purposes at competitive rates with flexible terms. Apply now without having to leave your home or office. We offer a variety of loans types:

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Loan Types:

Mortagage Participation- First Mortgage, Second Mortgage and HELOC progams.

Non-Government Student Loans- A government student loan is a signature loan based on goverment interest rates. 1yr student loan program or 7yr student loan program.

New and Pre-owned Vehicles - Whether you are shopping for a new or pre-owned vehicle we offer great low rates and convenient payment plans. We offer 100% financing of the invoice price or Blue Book value of autos and trucks. You may choose from one-to-six year terms. For your shopping convenience we also offer pre-approved loans for all autos and trucks.

Signature / Personal - A signature loan is a loan without any pledge of security. It is based on your good name alone. Funds from your Times FCU signature loan may be used for any reason. Perhaps a nice vacation? School Supplies? Wedding? Bill Consolidation? New state-of-the-art computer? We offer a variety of rates and terms to meet all your borrowing needs. Qualified members can borrow up to $25,000.

Share Secured - One of the smartest ways to borrow is to pledge shares (savings) for your loan. You will always obtain the best rates when your loan is secured. The credit union will place a hold on your share account for the term of your loan. You will continue to receive savings dividends on your balance and you will pay a nominal interest amount for your loan. It's really very simple and a great way to meet your needs without depleting your savings.

Share Draft Line of Credit - Eliminates the worry of overdrawing your checking account. Once approved, you can write checks for up to your pre-approved credit limit.