Personal Loans

Every child needs a home and people who can love and nurture that child. Christian Family Credit Union wants to help those seeking to adopt a child with the financial means to do so. Adoption costs at non-profit agencies can run as much as $40,000, perhaps more for out-of-country adoptions. That’s where we would like to help. Give us a call! One of our loan officers can discuss your options.

The Right Card for Whatever Your Needs

Whether you use your credit card daily, for large purchases, or as a way to build credit, Christian Family Credit Union’s Visa Credit Card is here for you. Our card features amazing benefits such as:

• No annual fee

• Six-month introductory rate of 6.90% APR*

• 25-day grace period on purchases

• 24/7 access to your account via eZCard

PLUS! Earn rewards

• Earn one (1) point for every dollar spent

• Redeem points for merchandise, purchase discounts, or travel

• Earn bonus points on qualifying purchases

• Points remain on account for three years

*APR=Annual Percentage Rate.  Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. After 6 months the balance and new purchase rate will convert to the rate, based on their score at application. See the Visa Credit Card Disclosure. Rewards are for Consumer Credit Cards only. Church and Corporate accounts are not eligible for rewards. Visit ScoreCard Rewards for full details on rewards.

Regular wellness checks with Christian Family Credit Union are an easy way to keep your financial health in great condition. Our G.O.O.D. Loans start with a complimentary wellness check-up. We’ll help you identify ways you can lower your monthly payments, raise your credit score, and eliminate high-interest credit card debt. 

• Three-year loan

• Maximum loan amount of $10,000

• Rates as low as 8.00% APR*

• Credit score of 630 and above required

*APR=Annual Percentage Rate

Christian Family Credit Union’s home equity line of credit (HELOC) allows members the ability to leverage the equity in their homes to fund:

• Home repairs

• Remodeling

• Loan consolidation

• Adoptions

• Other needs

We are here to help you realize the dream of owning your own home, whether you’re interested in purchasing or ready to refinance.

Have you ever wondered what would be better---using money from your savings account or taking out a loan? It's almost always better to pay cash when you can, but it also makes sense not to deplete your savings.

A shared secured loan can be the middle ground you've been looking for! With a share secured loan, you pledge your savings or share certificate as collateral for the loan. The savings or share certificate you pledge continues to earn dividends.

Since you've pledged your savings or share account, there is a much lower risk to the credit union that you will be unable to repay your loan---so that means the interest rate charged on a share secured loan is normally much more favorable to the consumer than other types of loans.

In the end, when the loan is completely paid, your savings are still intact.

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans*.

ISL Education Lending offers:

• Loans for college students

• A loan option for parents and family members who wish to borrow on behalf of a college student

• Multiple student loan refinance options

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Please note:

• All loans offered by ISL Education Lending are subject to credit approval

• Before applying for a private loan, we encourage you to first complete the FAFSA (Free Application for Federal Student Aid). You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan

*Christian Family Credit Union is compensated by ISL Education Lending for the referral of student loan customers.

Car Loans

Before you shop for your next car, check with us. Not only can we help you with the financing, we can provide information that will help you become an educated buyer, so you can walk out of the showroom with confidence that you made a wise and informed purchase.

Our loan officers are happy to help you secure pre-approved financing. You can even speak to a loan officer in person, by phone, or via video conferencing. 

Take some of the pressure off when bargaining begins at the dealership by being able to tell the salesperson that you know what you want to pay for the vehicle, you know what your trade in is worth and your financing is pre-approved.

If you have a car to trade in, click here to see its worth on Nada.com. This link provides information on wholesale, retail, and private party values.

Keep in mind that when purchasing a new car, the dealer is often willing to sell the vehicle at or below the dealer invoice.

Recreational Vehicle Loans

Not all loans need to be for something you need. Sometimes they're for things you want! So if you're looking for a vehicle to put some excitement in your life or one that offers total relaxation, we can help.

We offer a variety of recreational vehicle loans with flexible terms and competitive rates. Give us a call or apply online!

• Boats

• Motorcycles

• Snowmobiles

• Campers

• Recreational Vehicles (RVs)

• Jet Skis/Water Skis