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

Are you paying high interest on credit cards? Are you making large payments that never seem to reduce your balance? Credit Union Visa cards have no gimmicks, no surprises, and no introductory rates! We offer:

  • 9.9% Fixed rate
  • No annual fee
  • 25-day grace period on purchases
  • No cash advance fee
  • Automatic payment plans available
  • Worldwide acceptance

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?

Contact Us Visit a Branch


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