Loans2018-08-21T16:26:08+00:00

Loans

Lending Services

Out of funds accumulated from savings, loans are made to members of the credit union. The maximum is determined by Credit Union Policy, which is determined by the Board of Directors.

  • Loan Application and New Member Application
  • New & Used Auto Loans
  • New & Used Recreational Vehicles
  • Personal Loans
  • VISA Credit Card
  • VISA Platinum Card
  • First & Second Mortgages
  • Home Equity Line of Credit
  • Home Improvement Loans
  • Overdraft Line of Credit Protection
  • Credit Life & Disability Insurances
  • Automatic Transfers of Payment
  • NADA New & Used Vehicle Price Guide
  • Consumer Reports Information Guides
  • Mechanical Breakdown Protection which provides protection against mechanical breakdowns beyond your existing manufacturer’s warranty.
  • GAP (Guaranteed Asset Protection) which covers the deficiency balance on your loan in the event of a total loss.

Contact a Loan Officer today!

Mortgage Services

Healthcare Plus Federal Credit Union can help you build a new home, purchase a new home or refinance an existing one. We can also help you use the equity you’ve built up in your home to finance those important things like your child’s college education, home improvements, or a family vacation. You can even use the equity in your home to consolidate all those high interest credit card bills!

  • 1st Mortgage
  • Home Equity Line of Credit (HELOC)
  • Home Equity Loans
  • Construction Loans
  • Land Loans
  • Home Improvement Loans

Home Loan Application (can type information on form and print out)
Home Loan Application (print out form and fill information in by hand)
Mortgage Checklist – click for a list to help your application go more smoothly

Contact a Loan Officer for details.

Interest Rates

View Interest Rates as of May 2018

Simple interest is charged on the outstanding balance of the loan.  There are no prepayment penalties. Credit Disability, Joint Credit Disability, Credit Life and Joint Credit Life insurance may be available. All consumer loans are charged a $25 loan application fee. All secured title loans will be charged $15 per vehicle to note the lien and all secured non-titled loans will be charged a UCC fee of $25 per filing. A fee of $20 per loan will be charged to defer a loan payment and any outstanding interest must be paid current. A $50 fee will be charged to refinance to lower an interest rate on a current loan.

All rates are base on APR (Annual Percentage Rate).

A security interest is required on all secured loans. Insurance is required on all secured loans over $3000 except for share or share certificate secured loans.  Healthcare Plus FCU is to be listed as the lien holder on the title or UCC-1 lien instrument as well as on the insurance policy.

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Fees & Services

The Fee & Services Schedule for all accounts sets forth certain fees and charges applicable to your regular share and share draft accounts at Healthcare Plus Federal Credit Union and is incorporated as part of your account agreement. The following fees may be assessed in connection with your accounts. The rate and fees in this schedule are subject to change. The list below is effective as of 4.23.18.

View full Fees and Service List

Questions? Call us at 605-725-0900 or 
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