MONEY MAXIMIZER LOANS

Maximize your money up to an extra $5,000…

Our Money Maximizer Loan is a special new loan product that lets you use your tax refund, stimulus money, or other funds on deposit as collateral for a low-interest rate loan. The best part is: when your loan is paid off your money is still there—available for you to save or spend on something special!

Two options to fit your needs:

Get up to an additional $1,000 with our money maximizer loan. 5.5% APR for up to 60 months. Minimum underwriting only.
With option 1* the maximum allowable loan amount is the amount placed on deposit plus an additional 50% of the amount on deposit or $1,000 (whichever is less). Minimum underwriting requirements include verification of employment and ability to make monthly payments. 


Get up to an additional $5,000* with standard underwriting requirements. Interest rate is 7.5% APR for up to 60 months and no payments for 90 days
With option 2** the maximum allowable loan amount is the amount placed on deposit plus an additional 100% of the amount on deposit or $5,000 (whichever is less). The unsecured portion of the loan is subject to standard underwriting procedures. 

Both loans feature:

  • Flexible terms - up to 60 months
  • Competitive low rates
  • Easy application process
  • Fast approval
  • No application fees

This loan is partially-secured loan and depending upon the option chosen some underwriting of the loan is required. Funds used as collateral must be placed on hold in a share account. Collateral will not be released until the principal loan balance falls below the collateral. * Option one has a maximum allowable loan amount of the amount placed on deposit plus an additional 50% of the amount placed on deposit or an additional $1,000, whichever is less. Underwriting criteria requires recent pay stub as verification of employment and ability of the member to make monthly payments; no credit check is required. A loan with $1,000 provided as collateral would allow the member to borrow $1,500 total. The monthly payments on $1,500 borrowed over 24 months at 5.5% APR would be as low as $66.76. **Option two has a maximum loan amount of the amount placed on deposit plus an additional 100% of the amount placed on deposit or an additional $5,000, whichever is less. The unsecured portion is subject to the loan limits set forth in the consumer loan policy for unsecured lending and will be subject to standard underwriting guidelines for unsecured loans. A loan with $4,000 provided as collateral would allow the member to borrow $8,000 total. The monthly payments on $8,000 borrowed over 60 months at 7.5% APR would be $160.30. All accounts are federally insured by the NCUA for up to $250,000.

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