Loan Products
  Signature Loan
  Auto/Truck
  Motorcycles
  Recreational Vehicles
  Line of Credit
  Credit Rebuilder
 Share Club
 VISA Credit Card
 Student Loans

Healthcare Services Credit Union provides a wide variety of loans to fit your financial needs at affordable rates. Low monthly payments make it even easier to get the cash you need when you want it. Most loan approvals are made within one day. Your financial condition is our top priority. Apply today by clicking on our loan application or contact us at 423.242.HSCU.

Credit Life and Disability -Voluntary insurance to cover your payments if you should become disabled for longer than 30 days OR pay off your loan in the event of your death. Complete details are available at any Credit Union location.

All rates and terms are subject to change without notice. Loan rates and terms will vary depending on your individual credit strength, value of collateral, if any, and terms chosen.


Signature Loan

  • No collateral needed
  • Low monthly payments
  • Available amount based on past credit history, present debts and monthly salary
  • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
    (Payment can also be made by drafting your account at another financial institution.)
  • Credit life and Credit disability insurance available

Auto/Truck
 
Buying a car can be fast and easy at the Credit Union. Pre-approved auto loans are the way to go shopping hassle-free. Be approved for a certain amount you want, then go shopping. The dealer faxes the paperwork to us (fax number 423 242-1940) and your loan is processed. Sometimes faster than you can get to the Credit Union and pick up the money. Here are some other great points about our auto loans.
  • USED AUTO RATES--(N.A.D.A or Kelly Blue Book values are used),
  • Fixed rates on all auto loans
  • All loans including pre-approvals can usually be processed in one day
  • Valuable information on car values using the N.A.D.A. or Kelly Blue Book values
  • Maximum amount up to 100% of the actual purchase price not to exceed sticker price or N.A.D.A. or Kelly Blue Book values for used autos and trucks
  • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Payment can also be made by drafting your account at another financial institution
  • Credit life and Credit disability insurance available
  • Convenient and personal service
  • Warranty coverage and GAP Protections available

Motorcycles
 
New and used motorcycle loans are available at very competitive rates. Check out the rate sheet for more details.
  • Fixed rates on all auto loans
  • All loans including pre-approvals can usually be processed in one day
  • Valuable information on motorcycle values
  • Maximum amount loaned up to 90% of the actual purchase price on new and 75% on used using the N.A.D.A. or Kelly Blue Book values
  • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Payment can also be made by drafting your account at another financial institution
  • Credit life and Credit disability insurance available
  • Convenient and personal service

Recreational Vehicles
 
Recreational loans including boats, motorhomes, travel trailers, campers, personal water craft and ATVs. PLUS, other extras such as motors and trailers.
  • Fixed rates on all auto loans
  • All loans including pre-approvals can usually be processed in one day
  • Valuable information on motorcycle values
  • Maximum amount loaned up to 90% of the actual purchase price on new and 75% on used using the N.A.D.A. or Kelly Blue Book values
  • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Payment can also be made by drafting your account at another financial institution
  • Credit life and Credit disability insurance available
  • Convenient and personal service

Line of Credit

Overdraft Protection is a line of credit extended to the member with a set limit that is to be used when the balance in the Share (savings) and Share Draft (checking) accounts are insufficient to pay presented checks. This will save you embarrassment and extra overdraft cost because there is no service charge for this account. Plus, you only pay the amount advanced plus interest. If you do not use the overdraft protection, then there is no charge. Some deposit restrictions apply.

  • No collateral needed
  • Low monthly payments
  • Maximum amount available - $500
  • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Credit life and Credit disability insurance available
  • Assistance with your check balancing


Credit Rebuilder

Assistance may be needed to clean up your credit. This loan will pay off old debts and past due accounts. Free financial counseling is also available.

  • Maximum limit - 1 ˝ times your monthly salary up to $2,500
  • Checks are made out to creditors and mailed for you
    • Collateral may be needed
    • Low monthly payments
    • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Credit life and Credit disability insurance available

Share/Club/Certificate Secured

You may use any Share (savings) account or your certificate to secure a loan while still earning dividends on your Share (savings) or certificate account. The amount of the loan is held in your account. As you pay the loan down, those funds become available to you for withdrawal.

  • The rate is usually the lowest loan rate offered
  • Maximum amount depends on your Share (savings) or certificate balance
  • Still earn dividends on Share (savings) and certificate accounts
    • Low monthly payments
    • Repayment using the convenience of payroll deduction or automatic transfer from any of your Credit Union accounts
  • Credit life and Credit disability insurance available
  • Great way to start building credit

VISA Credit Card

Credit Cards are fast becoming a necessity nowdays. Our VISA credit card will help you with any financial emergency or need you may have.

  • Low fixed rate
  • 25-day grace period
  • Acceptance worldwide
  • Generous credit limits
  • Great way to start building credit

If you already have a HSCU VISA Credit Card and would like account information or if you have lost your card, please call 1-800-322-8472.


The Smart Option Student LoanŽ
by Sallie MaeŽ

is an ideal solution to help bridge that gap between federal loans and the cost of education expenses.

Help borrowers pay for college the smart way with great repayment options.

Features and benefits:

  • Competitive Interest Rates
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Fast Online Application. The easy application only takes about 15 minutes.
  • 24/7 online account management
  • No prepayment penalty.

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