Co-op Services Credit Union

Loan Disclosure

Loans		You'll find an explanation here of the various loan products we offer at Co-op Services Credit Union. Whether you're looking for a small loan or large loan, secured or unsecured, line of credit or credit card, mortgage or home improvements, you will find it here. Apply Now!
Current Loan Rates		You will find our current loan rates for all our consumer loans by clicking on this heading. Loans for vehicles, unsecured signature loans, boats and RVs or credit card rates are found here. If it's a mortgage, home equity or home improvement rates you want, call our Mortgage Department at 800-321-8570 ext. 113 or e-mail that department at mortgages@cscu.org
Unsecured Loan		Whatever you need - bill consolidation, a vacation, a wedding, your son's or daughter's first used car, anything - for amounts up to $15,000 and up to 60 months to repay, here's a quick and simple way to cover it on your signature. You may borrow for any good reason at any time of the year. It's a great way to pay for your taxes, tuition, contribute to your IRA or purchuse holiday gifts. Apply Now!
Gold Line		Here's a line of credit you can be proud of. You are approved for a signature limit and given checks to access those funds. From there, you decide how much of your limit you use and for what. Write your loan checks to whomever and for whatever you want. As you pay down your loan balance the credit limit replenishes itself, ready to be used again when and where you want. What limit do you need? $5,000? $10,000? $15,000? Quality people with quality credit records deserve the best. That's Gold Line. Apply Now!
Credit Cards		When it comes to managing your money, it is good to have choices. Whether you select a Visa® Classic or opt for the prestige and added benefits of a Visa® Platinum Card, you'll discover the flexibility, purchasing power, and worldwide acceptance of a Co-op Services Credit Union Visa® card. Apply Now! Visa Classic Our popular Visa® Classic card gives you a low interest rate and generous credit limits, meeting your needs day after day. Find out more Platinum Card Our Visa® Platinum card can help achieve your dreams with higher spending limits, superior purchasing power, distinct cardholder benefits, and personal attention. Designed for the sophisticated consumer, Visa Platinum is the perfect card for people who expect more. Find out more Auto Rental Insurance Emergency Cash & Card Travel & Emergency Assistance Travel Accident Insurance Warranty Manager
Vehicle Loans		Whether you are looking at a new or previously owned vehicle, we can save you time and money. We offer competitive interest rates and loan terms up to six years. Even if you didn't take advantage of our low rates when you first purchased that vehicle, you can still refinance with us. Wondering how much you can afford? Use our calculator option to find out payment information. Get pre-approved and gain bargaining power and shop with convenience. Apply Now!
Home Equity		This closed end loan is a second mortgage on your primary Michigan residence for amounts of $5,000 and more. Use it to remodel and refurbish your home, to consolidate debts, even to take advantage of investment and real estate opportunities. The untapped value of your residence (the equity) is a powerful tool. Use it, with a home equity loan. Call 800-321-8570 ext. 113 or e-mail mortgages@cscu.org for more details. Apply Now!
Home Improvement		This is also a closed end loan. Amounts of $500.00 or more are available to take care of that new roof and doors you need to replace, or those new windows you need. This simple loan is quick and easy on the budget. It takes care of the small but expensive repairs that all homeowners experience. With minimal effort your home will be snug, dry, secure and in tiptop shape in no time at all. Call 800-321-8570 ext. 113 or e-mail us at mortgages@cscu.org or Apply Now!
Home Line		Here is a revolving line of credit secured by your home. Members who have no immediate need for credit, but want the advantage of using their equity when and where they want to, often choose this loan plan. The money you need is waiting for you anytime you need it. Pay off some debts and keep the rest of your equity in reserve in case you need it at a later date. You only pay interest on what you use. With your Home Line loan checks, you can write your own loans. As you repay what you borrowed, your Home Line limit replenishes itself, ready to be used again when you need it. Apply now online or by calling 800-321-8570 ext. 113 or e-mail mortgages@cscu.org.
First Mortgage		This is a large part of our lending. If you have never purchased a home before, we can help you better understand what's involved with our Member Home Buying Kit. It walks you through the loan process and alerts you to household expenses you may not have anticipated. We can also qualify you for your mortgage amount even before you find your dream home. With your pre-approved mortgage, you can shop and deal for your new property with confidence and financial leverage. For our members who are already homeowners, we can often pay off your existing mortgage and reduce your interest rate, freeing up untapped equity for you. And we can help you move up to that new house you've always wanted, too. We have fixed-rate mortgage at lengths of five to thirty years to repay. Let us help you with your next mortgage. Call us at 800-321-8570 ext. 113 or e-mail us at mortgages@cscu.org with your request. Apply Now!
Boats and RVs		We have more boats and RVs in Michigan than probably anywhere in the nation. Living on the Great Lakes, or our thousands of inland lakes, is a wonderful experience. It is only enhanced when we have a boat or RV to enjoy the experience that much more. As boats and RVs come in all shapes and sizes, with prices to match, we often customize the terms for you. After all, you want to enjoy your purchase for years to come. Give us a call at 800-321-8570 ext. 200, to find out how we can help you with your purchase or email us at memberservices@cscu.org