THEFCU has a variety of loan products to meet the various needs of our members. With great rates and affordable payment options, there is a loan for you at THEFCU!


Vehicle Loans

Get pre-approved and shop with confidence

  • Up to 100% financing of sticker price or retail value
  • Financing on new and used vehicles
  • Up to 72 months financing available on new vehicles
  • Low competitive rates
  • No pre-payment penalty
  • Convenient payroll deductions
  • Mechanical repair coverage and GAP plus coverage options
  • Other types of vehicle financing available: ATV’s, RV’s, motor homes, boats, farm equipment and motorcycles

Is your vehicle financed at another financial institution at a higher rate? Call one of our loan officers today to see how we can help you lower that payment!

Mortgage Loans

Buying a home is one of the biggest decisions you’ll make. THEFCU is here to guide you step-by-step through the process. Whether you are purchasing or refinancing a home, we are committed to making the process as easy and hassle-free as possible.

  • Up to 95% financing available.
  • Fixed and adjustable rate mortgages
  • Reasonable rates for up to 30 years
  • Purchases or refinances
  • No pre-payment penalty

Learn More Apply Now

Home Equity Loans

Home repairs, education expenses, consolidation of bills and more. Borrow up to 90% on your home!

  • Fixed low rates
  • No annual maintenance fees
  • No advance fees
  • No prepayment penalties
  • Tax deductible interest in most instances

Visa Credit Cards

Choose the card that's best for you


                                           card classic                                                                         card platinum                                                                                                           

         Classic                                                                                        Platinum Rewards

No annual fee                                                                                                             No annual fee

   No balance transfer fees                                                                                         No balance transfer fees

 No penalty APR                                                                                                          No penalty APR

                                                                                                                                         1.5%  Cash Back on all purchases*

            Apply Now                                                                                               Apply Now

                                                                                                                                                  uChoose Rewards


Credit Card Disclosure

 *Disclaimer (You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances and balance transfers used to access your account are not considered purchases and will not earn rewards.) Or use points to Purchase Gift Cards, Merchandise, Travel and Event tickets


Stop changing credit cards with the seasons and come back to the dependability and convenience of a Credit Union credit card. Contact our loan department today and find out how you can save!

Share Secured

A share secured loan allows you to use money in your Savings account or Certificate as security. This way you don’t need to tie up property or equity, and you can still earn dividends on your savings while getting a lower loan rate.

A hold will be placed on the Savings account or the Certificate being used as collateral on the loan.

Unsecured Loans (no collateral needed)

Need money for vacation? Credit card debt? Home Improvement? Medical bills or other high interest debt? We can help! Our Signature loans can be used for any purpose.

  • Rates as low as 9.9% APR
  • Payroll deduction for added convenience

Consolidating credit card debt may even help improve your credit score!

Apply Today!

Phone-A-Loan at 859-252-3131

Apply Online

*All loans subject to approval. THEFCU complies with the Equal Credit Opportunity Act.

Have Questions?

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