With a Credit Union Loan:

  • Your loan can be paid with a payroll deduction or we can bill you monthly.

  • If you are denied, you may meet with a member of the Loan Committee and/or have the Board of Directors review your application.

  • A Fully Secured Loan is a great and easy way to establish a credit history.

  • If you are having trouble making payments, we can try to work to help you.

  • Remember, if you are delinquent, we report to TRW.  This could affect your credit.

Call us or stop by. 

Now at
Sisters Hospital Employees FCU

Mortgages

TO APPLY ONLINE CLICK ON THE HOUSE BELOW

Schools. Neighborhoods.  Backyards.  As a homebuyer, you've got enough on your mind without thinking about a mortgage.  Why not have someone else handle it for you?

We can do that.  Our new mortgage products reflect our "people are worth more than money" philosophy with a process that's fast and hassle-free.  The terms are just as people-friendly:
  • Fixed and adjustable rate mortgages
  • The competitive interest rates we offer our members every single day
  • Low down payments, so you keep more of your hard-earned savings
  • Flexible terms, including lock-in and float options for the best possible rate
  • affordable closing cost programs to save you money

No matter what kind of home you're considering, we'll walk you through the process without leaving you in the dark...or pushing you too fast.  To find out more, please call us at 862-1472.

 
 

Car Loans

 

 

 

The Credit Union is now doing risk base lending for car loans.  Your credit score will determine your rate with rates as low as 4.5%.

 Stop by today for an application, we can pre-approve your loan and you can start shopping

If you have purchased a vehicle and are financed with another lender, come in to see us today. We may be able to refinance your existing vehicle.  We have great loan rates.  It only takes a few minutes to see if you qualify to refinance your loan with us.  You can save a lot of money in interest and take advantage of payroll deduction. 

Search certified used cars online at  (click picture below)

 

Risk Based Lending

Sisters Hospital Employees FCU is now basing loan rates on an applicant's credit score.  What does this mean to you?

It means that you can apply for a loan the same easy way you always have, however, the interest rate varies based upon your credit score.  Currently, the unsecured rates range from 5.9%-17.9%.

How is my credit score determined?  Is my rate going to be affected by what the Loan Committee thinks of me?

Your credit score is determined by an outside service that does this as a part of your credit report.  They assign a credit score to you based upon your credit history.  The Loan Committee does not determine your credit store.

So is this credit score used to approve my loan?

Your loan applications approved or denied as stated in the Loan Policy.  Once your eligibility is determined, the credit score determines your interest rate.

$ISTERS HOSPITAL EMPLOYEES FCU

NORMAL LOAN RATES*

PRODUCT TYPE APR***
NEW AUTO AS LOW AS 4.5%
USED AUTO AS LOW AS 4.5%
SHARE SECURED AS LOW AS 2.99%
UNSECURED AS LOW AS 5.9%

* LOAN RATES REFLECT THE LOWEST RATE AVAILABLE ON APPROVED CREDIT AS DETERMINED BY THE CREDIT-WORTHINESS OF EACH APPLICANT.  STATED INTEREST RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.  OTHER RATES AND TERMS MAY APPLY. 

 

***APR= ANNUAL PERCENTAGE RATE

No car loans for under $2,000.  However, you may apply for a personal loan.  Loans for cars over 7 years old will not be considered unless the car is a classic or antique.  Sisters hospital EFCU will allow a loan for cars that are 7 years old or older, but the loan will be unsecured.  The NADA book is used as a guideline in determining the amount of loan for used cars. REMEMBER~your car loan can be pre-approved!

Sisters Hospital Employees FCU is now basing loan rates on an applicant's credit score.

Q.  What does this mean to you?

      A.  It means that you can apply for a loan the same easy way you always have, however, the interest rate varies based upon your credit score.  Currently, the unsecured rates range from 5.9% to 17.9%.

Q.  How is my credit score determined?  Is my rate going to be affected by what the Loan Committee thinks of me?

      A.  Your credit score is determined by an outside service that does this as a part of you r credit report.  They assign a credit score to you based upon your credit history.  The Loan Committee does not determine your credit score.

Q.  So is this credit score used to approve my loan?

      A.  Your loan application is approved or denied as stated in the Loan Policy.  Once your eligibility is determined, the credit score determines your interest rate.


Please click here to view loan application eligibility requirements