Loans & Credit Cards

Tri-Lakes Federal Credit Union offers a wide range of loan products to fit your needs

Auto Loans

There is no reason to pay more for your car loan with another financial institution. If you are thinking about a new car or a used truck check out our current rates. We have competitive rates and terms to fit all your needs and budget. If you are looking to lower your payment on your current loan, check with us, we may be able to help!

New and Used Auto Loans
  • New and Used Auto Loans
  • Auto Refinancing
  • Low Rates & Flexible Terms
  • 100% Financing Available
  • Guaranteed Asset Protection (GAP)
    *New and Used Harley Davidsons qualify for New & Used Auto rate and term

Recreational Vehicles

Are you ready to have some fun?  We offer recreational loans for all purposes.  Get cruising out on the open water. Or you can hit the trails or the open road.  Boats, Jet-Skis, 4-Wheelers, Campers or Snowmobiles, we have all four seasons covered.

Recreation Vehicle Lending
  • Financing for RV, Boat, Motorcycle, ATV, Snowmobile and More
  • Competitive Interest Rates
  • Flexible Terms

Personal Loans

From time to time situations come up, sometimes unexpected, from a car repair, broken appliance, medical bill or maybe you just want to take a nice vacation.  Whatever the need our personal loan may fit the bill.  You can borrow without collateral.  Borrow up to $10,000 depending on your credit score, current income and current unsecured debt.

Share Secured Loans

We offer a share secured loan that is secured by using funds in your Regular Share Account or a Share Certificate Account as collateral. A Share Secured Loan is a great choice for someone who may need cash but does not wish to deplete their savings accounts as you are essentially borrowing the money from yourself at a low interest rate.

Share Secured Loans are also a good option for people looking to establish credit or repair existing credit history.

Overdraft Line-of-Credit

Tri-Lakes Federal Credit Union also offers an overdraft line of credit to add yet another layer of protection should you not have funds available in either your checking or savings account.

Have peace-of-mind and know that your checks, VISA Debit Card transactions and automatic transactions, (ACH) are protected from being overdrawn with an
Overdraft Line of Credit Loan. As long as you don’t go beyond your credit limit and your monthly payment is current, you’ll save yourself the costly fees. This is an unsecured Line-of-Credit Loan (maximum limit is $1,000).

Overdraft Line of Credit Loan

  • Maximum overdraft plan amount is $1000;
  • No fees;
  • Activates in increments of $50;
  • Finance charges accrue daily on outstanding balance;
  • Monthly payment of $30 due on the 28th of every month. The monthly payment is automatically withdrawn from your share draft (checking) account;
  • Over draft will not activate if account is delinquent or if available credit is exceeded and;
  • Annual Percentage Rate or APR ranges from 12.0% - 18.0% depending on creditworthiness.

Home Equity Line of Credit

If you want to borrow only what you need, when you need it, then contact us about a
Home Equity Line of Credit.

A Home Equity Line of Credit, commonly referred to as a HELOC, uses the value in your home to finance an education, purchase a new car or make improvements around the house.

Whatever the reason, your community credit union wants to assist you. Contact the Lending Department today for more information at (518)891-1666.