Loans

AUTO LOANS --   

• Includes cars, trucks, motorcycles, boats, RVs, travel trailers
• New, Used, Refinances from other institutions
• Terms from 2 to 15 years depending on vehicle
• Same rate for new and used
• PaymentFreedom loan available that can save you up to 40% on payments -- Go Now»
• AutoAssistance available online to help you with trades, purchases or sales
• Warranties available up to 50% less than dealers
• 5-Star Program discounts available from .50% to 1.00% off your rate
• .25% off rate for each 10% down payment up to .50% maximum discount

HOME LOANS

HOME PURCHASE LOANS --

• Originated by CU Members Mortgage, a division of Colonial Savings, one of the largest mortgage companies in the country
• Your loan is actually with LibertyOne, so we are there to help when you need us
• Fixed rates, adjustable rates, jumbo loans, unique loans
• Online application and loan status
• Realtor/referral program that can give you up to 20% of the realtor’s commissions
• CU Members retains servicing on 95% of all loans granted, so you will probably make your payment to only one company during the life of your loan
• Interest Saver Program available for NO enrollment fee that can save up to 7 years of interest on a 30-year loan

HOME EQUITY LOANS --

• Use the hard-earned equity you have in your home for educational, home improvement, debt consolidation or whatever need you have
• Terms from 5-10 years
• Can refinance your existing home equity loan from another institution
• Best of all, you may be able to deduct the interest from your taxes

MASTERCARD LOANS

CLASSIC MASTERCARD --

• Introductory rate of 6.9% for the first six months
• Low fixed rate of 13.90%
• Worldwide acceptance of MasterCard logo
• No annual fee
• No cash advance fee
• Same low rate for purchases and cash advances
• Limits up to $5,000
• View your account online at www.eZCardinfo.com

GOLD MASTERCARD --

• Introductory rate of 6.9% for the first six months
• Low fixed rate of 11.90%
• Worldwide acceptance of MasterCard logo
• No annual fee
• No cash advance fee
• Same low rate for purchases and cash advances
• Limits up to $10,000
• View your account online at www.eZCardinfo.com

PERSONAL LOANS

CONSOLIDATION LOANS --

• Consolidate high-interest debt into one loan with one low payment
• Terms from 1-4 years
• Checks made payable to creditors and mailed for you

QUICK DRAW LINE OF CREDIT --

• Limits up to $10,000
• Can be used to protect against bounced checks
• Easy access to funds without re-applying for a loan
• Advances available by check, from a teller, online, by phone and ATM

SIGNATURE LOANS --

• Loans made without collateral to be used for any purpose
• Terms from 1-4 years

HOLIDAY LOANS --

• Signature loans available from October through January each year
• Typically up to $1,500
• One year term
• Low rate determined annually
• If paid as agreed, automatic approval the next year to previous amount

DEPOSIT - SECURED LOANS --

• Share Savings or CD funds at LibertyOne are collateral for loan
• Rate is 2% above what you are earning on your deposit
• Terms from 1-5 years
• One-year loans can be paid monthly or at maturity
• 2-5 year loans are all monthly pay