Loan Services

FEATURED LOAN SERVICE:               PayDay Loans
(The best kept secret at the Credit Union)
We�ve had PayDay loans since the 90�s; we�ve upgraded them, but the cost has not changed � still a flat $7.50 per loan. Why pay $20 or $30 when you can pay just $7.50????? Why would you go anywhere else??? This loan does have to be pre-approved and set up ahead of time, but only once. Then you are good to go whenever you need a little extra before pay day. Of course, it does have to be paid back on pay day, and you do have to qualify. But before you head to the Check Into Cash or Check �N Go, etc, check with us first. We love doing business with you!!

Low car, boats, signature rates/compare!!               2127

• Decision Now - Now available - You will be able to apply for a loan through our web page (HFS) and get an answer within minutes if you are approved - denied - or referred to the Credit Union. We are always trying to make it easier for you to reach us and since this will be available 24/7, our loan department will seem to be open just for you!!!

• GAP - Guaranteed Asset Protection is now available at reasonable prices at the Credit Union. Why take chances with your investment (car, truck, cycle, boat, etc.)? If your vehicle is declared a total loss, your insurance might not pay for everything! GAP takes care of that by covering the difference between what your insurance pays and your loan balance. GAP offers Security, Protection, Stability, and Peace of Mind for just $185 (or $235 for power sports) for the life of the loan. Be sure to ask about that on your next loan!!

• Holiday Skip-a-Pay - Needing extra cash at Christmas time? The Credit Union offers its �Skip-a-Pay� program to qualified members who have loans with us. (Real Estate Loans, Kwik Cash LOC Loans and PayDay Loans do not qualify for this program.) There is a fee for each loan you may want to skip during the month of December, but this fee is donated to a charity (or charities) of the Credit Union�s choice. Past charities have been the Children�s Miracle Network, Christine Anne Center, Second Harvest of WI, Salvation Army, to name just a few. Remember, that interest continues to accrue on these loans and there is a possibility that negative amortization could occur.
  
• Mortgage Loans - Now up to 90% of the fair market value as stated on your taxes.
  • First mortgages (not purchase money).
  • Second mortgages.
  • Home Owners Choice Loan, an equity loan where the home is taken as an abundance of collateral and the rate and term is based on the "other" collateral you give (car, truck, snowmobile, savings, signature, etc.)
  • Purchase money, jumbo home loans, etc. now through our partner. -- See New Services.
    
• Partner Mortgage Loans - For several years now we have partnered with full service mortgage company. We have chosen Central States Mortgage Co. because they were created by credit unions, for credit unions. They work for you!! They do the mortgages we cannot do because of our size or the size of the money you want to borrow. Remember to start with us and we will either put you in touch with them or them with you. The following is a list of the kinds of mortgages you can now have from them, through us.
  The Products:
  
  o Residential Loans
  o Conforming Loans: 10, 15, 20, 25 & 30 yr. Fixed Rates
  o Adjustable Rate Mortgages (ARMs)
  o Non-Conforming Loans
  o New Construction & Lot loans
  o FHA
  o Federal and State VA
  o WHEDA
  o Down Payment Assistance Programs
  o Rural Housing Program
  o 100% or 97% My Community or Flex program
  o Jumbo Loans
  o Investment Property Loans
  o Home Equity/2nd Mortgages
  o Special Needs Financing
  o No Income Verification/Stated Income Programs
  o $0 Closing Cost Options
  o Vacant Land - Hunting or Recreational
  o 2nd/Vacation Homes
  o Refinancing: Rate Reduction, Cash Out, Rate & Term
  o Reverse Mortgages
  o Manufactured Home Loans
  o Sub-Prime
  o Commercial Loans
  o Mixed Use Property Loans
  o And ask us about any other product you are interested in!
  
• Risk-Based Lending - back to basics, where the rate you pay is determined on your creditworthiness. The rates quoted on this site and in the office are for an A rating. If your FICO Score from Trans Union is different, rates could be higher or lower. We must run a credit report to find this score. The FICO Score is based on about 50-75 different items, including the way you pay your bills here and elsewhere. It does NOT look at or know about your income. It is putting "character" back into lending - rewarding you for paying your bills on time! The excluded loans: Kwik Cash Loans, PayDay Loans, Share or Certificate Pledged Loans.
  
  
• VISA Credit Card Program: NO annual fee, reasonable rate, and a chance to auto pay each month - your way!!! Check this out!!! Reduced rates on the Select Visa & Classic Visa have been reduced by 2%!! The rates is 9.9% Annual Percentage Rate on the Classic Visa. Isn't it time to switch?????