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| Savings and Investment Products | Loan Products | Services | Rates and Calculators |
• LOAN
PRODUCTS
VUMCU is committed to providing loans for all members at the lowest
possible cost. We offer a wide variety of personal loan products
to meet your individual borrowing needs. When you need a loan, think
of your credit union first.
Click here to check out our great rates on all our loan products! To
contact a loan officer, request a loan application, or for more information
about any of our Loan Products, please e-mail us at loans@vumcu.org.
Personal Loans
Need a vacation, a computer or funds for back-to-school
shopping? No matter what you may need the money for, a low-interest
VUMCU Personal Loan is an affordable way to get it.
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Click here for rates |
Line-of-Credit
If you need to borrow money from time to time we
can make it easy with our line of credit accessed with just a quick call to one of our loan officers, or by accessing your account with CU Online. Credit limits are available up to $10,000 with monthly
payments
calculated as 3% of the loan balance after each loan advance.
Overdraft Protection
A checking account with VUMCU is even easier when you have an established overdraft protection line of credit loan. If you make an error or miscalculation, your account will be activated and save you money on unnecessary fees and possible embarrassment.
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Click here for personal or line of credit rates |
Vehicle Loans
We have the best rates for your next vehicle loan! Turn to VUMCU when
you are shopping for a car, truck, motorcycle, boat, motor home or
recreational vehicle. Get the latest NADA and New Car Guide information
to make sure you get the best deal! We offer 100% financing (including
taxes, title, tags), with terms up to 84 months on some models.
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Click here for rates |
Regular Share or Share Certificate Pledged Loans
Qualify for
a lower interest rate and up to 72 months to repay when you secure
a loan with shares or a share certificate.
Student Loans
Check out your Credit Union first when shopping
for a Stafford, Plus or Consolidated government-secured student loan.
Our fees are generally less than you’ll find elsewhere. Check
out the Student Loan Network.
VISA Credit Cards
Don't waste your money with high credit card
fees and interest rates. A VUMCU VISA credit card has great benefits
that are sure to save you money.
| • | No annual fee |
| • | Low fixed APR (See current rate) |
| • | Credit limits up to $20,000 |
| • | Worldwide acceptance |
| • | Automatic Travel Accident Insurance |
| • | Auto Pay - lets you pay your VISA bill automatically each month from any Checking or Savings Account |
| • | Fee Free VISA Balance Transfer |
| • | Credit limits raised only by member request - you're in control! |
| • | A portion of the income from each purchase made with your VUMCU VISA is given to a well deserving member as a scholarship annually from VUMCU. This may include scholarship funds to The Children’s Initiative. |
| • | Check account information online! |
| • | Contact us with other questions. visa@vumcu.org |
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Click here for rates |
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For security reasons, if you shop online, you will be prompted to sign up for Verified by VISA. For more information on the process click here. |
Second Mortgages
Use the equity you have built up in your home to
handle large expenses, such as home improvements, educational costs
or debt consolidation.
Second Mortgages offer many advantages, including…
| • | No application fee |
| • | Low fixed interest rate |
| • | Up to 100% equity financing available |
| • | Fast turn-around time |
| • | Interest that may be tax-deductible (consult your tax advisor for details) |
Rates vary based on your combined loan to value. To figure your value,
add the amount of your first mortgage to the amount you wish
to borrow as a second. Divide this figure by
your current tax assessment.
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Click here to check the rate based on the term you choose and the combined loan to value. |
Home Equity Line of Credit
Use the equity in your home to have a pre established limit. Accessibility
is easy-write a check on your VUMCU checking account, visit us at CU
Online or call our office for assistance.
| • | Up to 85% equity financing available |
| • | Fast turnaround time |
| • | Variable interest rate tied to prime rate |
Rates are based on your combined loan to value. Call the Credit Union to find out your individual rate today!
Organizational Church/Agency Loans
We offer loans for many purposes,
such as vehicles, church improvements, air conditioners, computers,
etc.
Organizational Church/Agency VISA
We also have a credit card
program for the organization’s business use. With our card,
the cardholder does not have to use their own credit to buy for the
organization.
Money management becomes easier and you have a monthly statement
of purchases. Please contact the Credit Union for rates. visa@vumcu.org
Good StewardsChurch Affinity VISA Program
This credit card program offers the church community the chance to have a great rate credit card. A percentage of income from purchases that the church community makes on their program card comes back to the church. Many churches participating in the program ear mark their Good Stewards Reward Program for specific programs, such as new building or a communication fund.
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Click here for rates |
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For security reasons, if you shop online, you will be prompted to sign up for Verified by VISA. For more information on the process click here. |
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© 2003 Virginia United Methodist Credit Union. |
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