LOAN ZONE
| At CSE we know how important your hard-earned money is to you. Our goal is to provide you with the lending services you need to make your life a little easier. We want to help you accomplish your goals and dreams with confidence. |
At CSE we want you to
Drive Up Your Credit Score,
Drive Down Your Payment, and
Pay Us Less at the same time.
Ask a CSE Loan Officer how!
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If you are considering purchasing a new or used vehicle, come into the credit union and get pre-approved today. There are NO application fees. Once you are approved, the loan officer can give you a letter of credit to take to the dealership. You can then shop worry free at the dealership, knowing you have already qualified for a loan.
Get GAP for your Auto Loan...It Pays!
Guaranteed Auto Protection will cover the difference between your loan/lease payoff and your primary insurance company settlement should your automobile be stolen or damaged and is a loss. Contact a loan officer for complete details.
The Credit Union offers first and second mortgages. For details on first mortgages, please contact one of our loan officers for current rates and information.
Enjoy Your Home for all it's Worth
With every mortgage payment you make, you are building equity in your home. Why not use it? A home equity loan, like a credit card, gives you a pre-determined borrowing limit and allows you to access your money when you need it. Home equity loans can usually provide you access to larger sums of money, for longer terms and at lower interest rates compared to other types of loans. In most cases your interest is tax deductible (consult your tax advisor).
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Home Equity Alternatives
- Consider a home equity loan as an alternative to refinancing your mortgage
- Avoid closing costs and other processing fees
- Less paperwork and Hassle
- Make your loan payment at CSE
- We offer both an 80% and 90% loan-to-value option
| $100,000.00 | Appraised Value of Property |
| X 90% | Times Loan-to-Value Ratio |
| $90,000.00 | |
| -$60,000.00 | Minus First Mortgage Outstanding |
| $30,000.00 | Equals Approximate Equity for Your Home Equity Loan |
Variable Rate Line of Credit
- Convenient home equity checks
- Draw period is five years from date opened
- $25 annual participation fee charged, unless converted to closed fixed rate
- May convert to closed fixed rate for $100.00
- Minimum monthly payment is 1% of the outstanding principal balance or $100.00, whichever is more, during the “Draw Period”
- Making only minimum monthly payments may result in a balloon payment
- Annual percentage rate may vary, up to a maximum of 18%
Fixed Rate Closed End 2nd Mortgage
- One time draw
- Late charges are assessed on payments over 15 days late
You've put time and money into making your house a
home. Now it's time to let your home give you something back!
Low Rates and Fast Turnaround on your Federal Student Loan!
Low rates and fast turnaround are just a few of the reasons to see us for your student loan. As your credit union, we're committed to providing you with high-level service and education. We'll walk you through the student loan process taking the time you need to fully understand it.
Make campus life less hectic, check our:
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We offer a wide variety of low-interest loan solutions designed to meet your personal borrowing needs. Our competitive rates and flexible repayment terms can help stretch the purchasing power of your hard-earned money.
Whether you are looking for some money to help purchase that new state-of-art computer, a gift for someone special or a once in a lifetime vacation, give us a call. One of our loan officers will do everything they can to help make your wishes come true.
Whatever your recreational pursuits may be, if you need some financial assistance, call the Credit Union. Every year we help our members enjoy boating, camping, hiking, traveling and sports of every kind with a Credit Union loan.
Don't just sit there and dream, talk to one of our loan officers and let them help you make your dreams come true. Begin enjoying the great outdoors today with a loan from your Credit Union.
You have a need or a want. The problem is you cannot make up your mind whether you should pay cash by taking the money out of your share (savings) account or borrow the money. If you find yourself in this situation, you might want to consider a Share Secured Loan from your Credit Union.
We offer these loans at very special rates and terms. It's a great way to met your needs without depleting your savings.
