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"Caring And Sharing Helps" (CASH) Loan

"Eligibility Criteria:

  • Member of Cy-Co FCU for atleast 1 year
  • All account must be in good standing with Cy-CO FCU
  • Must have established a loan with Cy-Co FCU  & paid as agreed
  • Limit to 1 "CASH" Loan per member.
  • Must pledge $100.00 in savings account 
  • Must have direct deposit or  ACH/Electronic payment of loan payment.
  • Non refundable processing fee of $35.00 is due when application is submitted. 
  • Cy-Co FCU reserves the right to deny a loan or a requested amount. 

 For application,  please click here! 

"Caring And Sharing Helps Too" (CASH) Loan

"Eligibility Criteria:

  • Member of Cy-Co FCU for atleast 1 year
  • All account must be in good standing with Cy-CO FCU
  • Limit to 1 "CASH" Loan per member.
  • Limit to 3 loans in any given 6 month period.
  • Minimum $200.00 : Maximum $1,000.00
  • Must provide 2 recent paycheck stubs or proof of other recurring income.
  • Non refundable processing fee of $35.00 is due when application is submitted. 
  • Discounted rate available (ask for details)
  • Cy-Co FCU reserves the right to deny a loan or a requested amount.

For application,  please click here! 

 

New Auto, Boats, RVs, Campers, Motorcycles and ATVs

The maximum term of financing is 72 months. We finance up to 100% of the selling price including tax, title and license (On Approved Credit).

 

Used Autos, Boats, RVs, Campers, Motorcycles, and ATVs

The maximum term of financing is 60 months, depending upon the amount financed and the age of the collateral. Financing is based On Approved Credit and as follows:

Used Auto - up to 100% of the Blackbook average trade in value, including tax, title and license.

Used Boat, Motor and Trailer - up to 100% of the Blackbook Average Value, including tax, title and license.

Used RV, Camper and Trailer - up to 100% of the Blackbook Used Value, including tax, title and license.

Used Motorcycle and ATV - up to 100% of the Blackbook Clean Trade-In Value, including tax, title and license.  

How do you get a good deal on your next car? 

Here's a guide to make sure you're financing a good deal and not a mistake.  This guide explains the entire process, from picking out an automobile to negotiating the purchase price. 

  1. Make sure the dealer is not inflating the purchase price of the auto to compensate for the trade in. 
  2. Figure out the value of your trade in to ensure you are getting a good deal from the dealership. 
  3. Do your homework on the automobile you are purchasing and possible incentives. 
    • Weigh your options.  For example, it is better to take the rebate and finance with the dealership or to finance the loan with the credit union with a lower rate.
    • Make sure there is no pre-payment penalty on any loan if you chose to take the rebate and continue to refinance with the credit union.  
  4. Do you fully understand the warranties and insurance products offered at Cy-Co Federal Credit Union?  
    •   Cy-Co Federal Credit Union offers GAP PLUS, that not only pays the difference between your primary carrier's insurance settlement and your loan or lease balance, it also gives you a financial boost. 
    • GAP PLUS provides an additional $1000 toward the lease or purchase of a replacement vehicle if yours is totaled or stolen and a documented GAP claim is paid. 
  5. Don't allow the dealer to pull your credit report and explain that you do not need financing. 
  6. Negotiate a good price and contact Cy-Co Federal Credit Union to make sure the purchase price is reasonable and a good deal. 

You don’t need to go any further for automotive information!  Click here for: 

  • New Vehicle Prices
  • Used Vehicle Prices
  • Certified Used Vehicles
  • Motorcycle Prices
  • Watercraft Prices
  • Auto Facts
  • Autos for Sale
  • Dealer Rebates
  • Driving Tips
  • Program Cars
  • Financial Calculators
  • Recalls/Safety information
  • Dealer Pre-Approval
  • Credit Union Specials

Extended Protection Plans for New and Pre-Owned Vehicles

Old Republic Insured Automotive Services, Inc. 

We have developed our new vehicle programs to complement your vehicle’s factory warranty and the way you drive.  You can choose from three levels of time and mileage options that best suits your driving habits. Old Republic Extended Protection Plans offer new vehicle programs for up to 7 years and 100,000 miles. 

Our programs for pre-owned vehicles provide the option of selecting from four levels of coverage…from our Bronze Plan, which provides basic power train protection to our Gold Plan, that covers almost every mechanical and electrical component on your vehicle.  Select the coverage that provides you with the most peace of mind with you finance your New/Used Auto loan with Cy-Co Federal Credit Union.

Old Republic Extended Protection Plans include the following additional benefits:

  • Nationwide Protection
  • Wear and Tear Coverage
  • One Deductible Per Visit
  • Towing
  • Rental
  • Tire Protection
  • Travel and Lodging
  • Roadside Assistance

Share Secured/Certificate Secured

Use the money in your credit union Regular Share Account or Term Share Certificate, excluding IRA savings accounts or IRA certificates, as collateral without affecting your dividend earnings. This is a great way to pay less interest on your loan while maintaining the balance in your account.  

Personal 

Furniture, appliances, home improvement, and debt consolidation are just a few reasons to obtain a personal loan with terms up to 48 months. Loan rates and terms are based On Approved Credit. 

Education Loans

These education loans are not just for tuition expenses.  The education loan covers:

  • k-12 Private/Parochial/Catholic/Preparatory Schools.
  • Can be used for books, uniforms, school supplies along with tuition expenses.
  • Easy repayment through payroll deduction. 
  • Just provide a current invoice for the school tuition. 

 



 

 

* Holiday Loans Are Available *

 

 

The credit union is now located next

to the Cornerstone Chemical Company fitness center.

 

  

 

2 New loans being offered here at the Credit Union. 

"Caring and Sharing Helps" or the Caring and Sharing Helps Too" Loan.

Click here for more information

 

© Copyright 2010 Cy-Co Federal Credit Union.