Call Center: 715-627-4336 or
toll-free 1-800-398-2667
Please email us with questions or
comments.
PRIVACY POLICY
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Auto Loans
We provide financing for new and used vehicles at competitive interest rates.
Finance up to 100% of your new or used vehicle. Same
day approval in most cases. We even offer a First Time Car Buyers Program for those who are financing a vehicle for the first time. Click here for more info about our auto loans and our First Time Car Buyers Program!
Refinancing
Already have a loan? We may still be able to help you. CHECK
OUR RATES – If our rate is lower than what you’re currently paying, you're probably paying too much. Call our loan department to see how we can help.
Recreational Vehicles
We offer competitive rates on campers, boats, motorcycles or other recreational
vehicles.
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Personal Loans
Finance a computer, vacation, or furniture, borrow for wedding expenses,
consolidate debt, or whatever you choose at affordable rates and terms.
Special Loan
Programs
CVCU offers a special pre-approved auto loan program that can save you time and
money at the dealership. We also offer an open-end loan agreement
that allows you to apply for a loan today and borrow later when the need
arises…without another trip to the Credit Union. click
here for more info
Student Loans
We participate in the federal government guaranteed loans for both students and
parents with Federal Stafford and PLUS loans. click
here for more info
Kwik Cash
Loans
Apply for this automatic loan advance that becomes active when you overdraw on
your CVCU checking account. You’re only charged interest when there is a
balance, and there’s no annual fee. click
here for more info
Share or Term Share Secured
Use your savings as collateral on a loan. Continue to earn interest while
putting your savings to work for you. The rate is
2.00% more than the term share certificate or share rate.
CoVantage Cash
An open-end agreement that allows you to apply for any type of consumer loan or
auto loan today, and borrow later when the need arises…without another trip to
the Credit Union.
- Stop
in any time to get pre-approved for a loan. You’ll complete an
application, and upon approval, will be asked to sign an open-end agreement.
(No interest is charged until you use the loan.)
- When
you’re ready to use the loan, call a loan officer and tell them the amount
you need. They’ll ask a few simple questions and we’ll send you a check
or deposit the money into your account.
- We’ll
mail you a receipt for the money dispersed showing the terms and rate of
your loan.
Mortgage Products
We offer several In-House mortgage loans to choose from; both adjustable rate
and fixed rate. The application
process is simple and your loan is serviced locally. For
competitive rates, choose a Secondary Market fixed rate mortgage loan. You can borrow up to 97% of the value of your home. click here for more info
Home Equity
Your home is a great source to tap into when you’re in need of a loan. We have loans up to 100% Loan To Value. There’s no transaction charge and no annual fee with CVCU checking. With a Home Equity, you may be able to claim 100% of the interest you pay as a tax deduction on your income taxes (Please consult your tax advisor.) click here for more info
Commercial Loans
As a community chartered Credit Union serving a rural membership, we are
committed to meeting the often unique financial needs of our commercial and
agricultural members. This commitment includes offering specialized types of
loans with special rate structures and insurance products that can benefit those
in commercial and agricultural businesses. click
here for more info
REPAYMENT METHODS (Does not apply to Secondary Market Mortgage Loans.)
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You have the option to make weekly or bi-weekly
payments - breaking your monthly payment down can save you a significant
amount in interest and allows you to pay your loan off earlier. To see an example click here.
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Automatic Transfers from CVCU Checking or Savings
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Direct Deposit/ Payroll Deduction
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In Person, by Mail or Night Deposit
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By using TEX, 24 Hour Audio Response
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By using e-TEX, 24 Hour Home Banking
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Loans may be paid off early with no penalties
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Protection Insurance for your loan
Credit Life and Disability
Credit Life and Disability Insurance are available on most loans. This
insurance is optional, however, we strongly urge you to protect yourself from
the inability to repay a loan due to accident, illness or death. For a nominal
cost, credit disability would make your monthly payments for you should
you be out of work for 14 days or more due to an illness or injury. Credit
life insurance can pay off your loan if you were to lose your life. Click here for more info
GAP Insurance
Protects members against financial loss in the event your vehicle is declared a
total loss due to theft, collision, fire, or any insured peril.
GAP Protection covers the difference between your primary
insurance carrier settlement and the payoff of your loan on the date of the
loss. Click here for more
info
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