• Auto
• Recreational Vehicles
• Travel Trailers
• Motorcycles
• Boats
• Signature Loans
• Share Secured Loans
• Home Equity
• Computer Loans

If your loan need is not listed above, talk to a loan specialist about your borrowing needs and they will work with you to create a loan designed to meet your needs!  

CAR BUYER'S TIP OF THE MONTH

Determine How Much You Can Spend.......

Don't over-extend yourself on your vehicle purchase. Be realistic in determining how much you can spend and how you are going to pay for it.  For most people, the purchase of a new vehicle is the first or second largest investment of their entire life.  The total cost of a new vehicle that is financed is a substantial sum, so be sure to always comparison shop.

APPLY FOR A LOAN ANYTIME OF THE DAY OR NIGHT
If you are a current member of Business and Industrial you may apply for a loan using our secure online loan application. If you wish to join the credit union in order to apply for a loan, please complete our secure online membership application and then proceed to the loan application. Once received, a credit union employee will contact you.  Additional information, including titles and insurance policies may be required prior to loan approval.  When applying for a loan, all information furnished to the credit union is strictly confidential.  Members with an existing Business and Industrial loan may apply for more than one loan.  Any combination of loans is possible, dependant upon the security offered and ability to repay the loan. 

Loan Approval Process
When reviewing your request for a loan, factors that determine the amount of loan approved include, but are not limited to, the following:

• ability to repay the loan
• work record
• other obligations or payments
• previous record of repaying loans
• desire to pay

Secured Loans
Both secured and unsecured loans are available to credit union members.   Secured loans are those backed by collateral.  Collateral could include credit union shares or certificates, personal property, and real estate.  An unsecured loan is money borrowed on the personal signature of the member. 

Are you Shopping for a Pre-Owned Auto?

Get a FREE CarFax Record Check, Lemon Check, Recall Check, and/or Problem Car Check, BEFORE you buy your next Pre-Owned Car! It's Fast, Easy, and FREE. If a Record Check shows any "hits" you can purchase a full CarFax report for as little as $24.99 for 1 report or $29.99 for up to 10 CarFax Reports during the next 30 days. This averages out to as little as $2.99 per report. While you're out looking for your next pre-owned auto, write down the VINs, come here and run a FREE CarFax Record Check!

The CARFAX database is the most comprehensive vehicle history database in North America, containing over 5 billion records. A record is an event (in the vehicle's past) reported to CARFAX by one of our thousands of sources. CARFAX Reports contain a collection of records that may answer crucial questions about the history of the used car you plan to buy, such as: Was the car in a reported accident? Has the mileage been tampered with? How many owners drove this car? Has this car been inspected recently? Was this car labeled a lemon? and more... A CARFAX Report may not include every event in a vehicle's history, but will include the data that is reported to CARFAX for a specific vehicle identification number (VIN).

Never Buy another Used car without one.

FREE CREDIT REPORT INFO

Members may request their free annual credit report in the following ways:  Call toll-free 1-877-322-8228 or mail request to - Annual Credit Report, Request Service, P.O. Box 105281, Atlanta Georgia 30348-5281 or on the internet at www.annualcreditreport.com

E-mail us with questions or comments!

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