Applying for a Loan Online

Apply for a Loan

To apply for a loan online please click on the online loan application link above. Complete the application and we will respond by email within 24 hours.

If you would like to discuss a loan with a credit union employee please call our Loan Manager Tina Yevich at 203-237-6424 Ext. 15

Credit Enhancement

The financing industry has changed greatly over the past few years with many more firms using your credit history to determine your rates and premiums on such things as car and homeowners insurance, car loans, mortgages, visa rates and your ability to rent cars and apartments. Most banks and credit union's are now using credit scores to determine your loan rates as well.

This makes it especially important that you be aware of what's on your credit report and be cognizant of your credit score. You may be paying much more in interest and premiums due to a low credit score. The credit union is here to help you review your credit report and score and help you improve your credit score. Please contact Tina Yevich for a free consultation of your credit report and score. You can reach her at 203-237-6424 x15.

First Mortgage

The Credit Union formed a new partnership with Mortgage Markets CUSO, a credit union owned mortgage lender, we now offer you an extensive array of low rate mortgage options with the convenience of 24/7 access to on line approvals. If you are looking to refinance you will obtain:

  • instant approvals
  • great rates
  • low overall closing costs
  • rate tracking notifications and
  • the tools to make comparison shopping easier.

For new home buyers there are many other great self help tools such as:

  • automated pre-approval letters
  • mortgage calculators
  • complete process information / checklists
  • on line and phone loan consultant options, and much more.

So to research or apply for a mortgage loan with your credit union click here.

Visa Cards

Visa Gold and Visa Classic Credit Card Service

Visa credit cards are the most widely recognized credit cards worldwide. Our Visa Classic Credit Card rate is 12.99% and our Visa Gold Credit Card rate is 11.99%. Cash Advance rate is 9.99% on either card for the life of the cash advance balance. We also offer a student Visa Credit Card up to $1,000.00 with a qualified co-maker.

Visa Disclosure
Annual Percentage Rate (APR) for Purchases VISA Gold 11.99%
VISA Classic 12.99%
Other APRs Cash Advance
(Gold &Classic)		 9.99%
Balance Transfer
(Gold &Classic)		 9.99%
Grace Perid for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily balance
(including New Purchases)
Annual Fee None
Minimum Finance Charge None
Transaction Fee For Purchases None
Balance Transfer Fee None
Late Payment Fee $20.00
Over-the-Credit-Limit Fee $20.00
Return Check Fee $15.00

For online Account access log onto https://www.ezcardinfo.com/

Signature Loans

Personal loans are available at various terms and at competitive rates. Up to $10,000.00 individual and $15,000.00 with a qualified comaker.

Car Loans

New and Used Car Loans are offered at various terms and at competitive rates with 115% financing.

Home Equity Line of Credit

Our home equity line of credit is priced according to NY Prime Rate. Minimum Credit Line is $10,000 and the maximum is $150,000. The credit line provides for a ten year draw period and then a fifteen year repayment period. No closings costs or application fees. Up to 80% Loan to Value on 1-4 Family Primary Residence.  Maximum Rate is 18.0% and Minimum Rate is 4.0%.

Fixed Rate Second Mortgage

The credit union offers fixed rate second mortgages in terms of five, seven, ten and fifteen years. No closing costs for mortgages $25,000 and over.  Borrow up to 80% of the value of your home.