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ROUTING # 222082741

LOANS

Flexible Terms and Competitive Rates Tailored to Your Financial Goals

Looking for competitive financing and straightforward borrowing options right here in Western New York? CrossRoads Community FCU is dedicated to helping our neighbors across Erie County and the greater Buffalo area find the right fit for their lifestyles. Review our diverse selection of flexible loan products below — featuring affordable auto loans, customizable home equity options, secure personal lending and low-rate credit card options, all with the convenience of applying for your next loan online today.

AUTO LOANS

Whether it’s a car, mini-van, pickup truck or SUV – new or used – we can help get you into the perfect ride. For new vehicles, we finance up to 100% of the sticker price, including tax and tags. If it’s a used car, we will finance up 100% of the Used Car Pricing Guide. Choose a term up to 84 months that’s right for you with a monthly payment that fits your budget. Make your auto loan even better with Mechanical Repair Coverage for repairs outside your vehicle’s warranty. GAP & MRC coverage available. Debt Protection available.
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CURRENT LOAN RATES
AUTO LOAN CALCULATORS
MECHANICAL REPAIR COVERAGE

RECREATIONAL LOANS

What do you need to enjoy the great outdoors affordably? Great rates and low monthly payments. CrossRoads Community Federal Credit Union has both – so go shopping for that new recreational vehicle, boat or motorcycle. We even help finance jet skis, campers and ATVs. What are you waiting for? GAP & MRC coverage available. Debt Protection available.
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HOME EQUITY LOANS

Maybe you’ve had a leaky roof, a state-of-the-art kitchen or finished basement on your mind. Tap into your home’s equity to make the improvements you’ve been thinking about. Get the funds you need now in one lump sum at a fixed-rate with no closing costs. With a CrossRoads Community Home Equity loan, you can borrow up to 100% of your home’s value. Flexible repayment terms of up to 15 years mean you can pick a monthly payment that fits your budget. Debt Protection available.
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HOME EQUITY
LINE-OF-CREDIT

What if you’re not exactly sure what home improvements you want to make or how much they will cost? A HELOC is a great option. You’ll have access to funds equal to up to 100% of your home’s value. Those funds can be used like a credit card: use only what you need (up to the limit of your line) and payback only what you use (with interest). CrossRoads Community’s Line-of-Credit has a draw period of 7 years and with no closing costs.
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PERSONAL LOANS

A Personal Loan can be used for just about anything. It is, after all, a personal loan. Taking a well-deserved, much-needed vacation or outfitting a home gym are possible with a personal loan. Using a personal loan from CrossRoads Community Federal Credit Union makes more sense than putting expenses like these on a credit card. You’ll save money on interest and have a fixed monthly payment you can budget for. So, what’s it going to be: a dream vacation, an enviable home gym, or both? Debt Protection available.
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REFINANCE HIGHER RATE LOANS

We can help you save on interest, shorten the life of the loan or lower your monthly payments.*

PROTECT YOUR LOANS

Ask about optional gap, disability and life insurance.

FIRST (ORIGINAL) MORTGAGES

Buying a home is a big step. We like to help our members with important financial decisions. That’s why we partner with OwnersChoice Funding to be the first (original) mortgage provider for our members. OwnersChoice Funding is a trusted, full-service mortgage corporation with a broad range of home buying options. They offer Conventional 15, 20 and 30-year fixed rate, FHA, VA and USDA mortgages. Contact OwnersChoice Funding for more information at:
5500 Main Street
Williamsville, NY 14221
Phone: 800-342-4998  ext. 1549 
email: [email protected]
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STUDENT LOANS

Whether you’re an undergrad, grad student or parent, we have education loans to meet your needs. CrossRoads Community Student Loans, in conjunction with Sally Mae, feature competitive rates, multiple repayment options, no origination fee and no prepayment penalty. Now go get that degree!
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MASTERCARD®

The CrossRoads Community MasterCard comes with a low fixed rate of just 11.90% APR†. That’s not a short-term introductory rate that skyrockets after six months or a year. We think our MasterCard is as terrific as our members! Debt Protection available.
  • No Annual Card Fee
  • Low Monthly Payments
  • No Balance Transfer Fees
  • Card Controls
  • Security Alerts
  • MasterCard ID Theft Protection
  • MasterCard Global Service
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LOST /STOLEN CREDIT CARD

To report your lost or stolen CrossRoads Community FCU MasterCard, call 1-800-449-7728.

*Terms and conditions apply. Speak to one of our Loan Specialists for repayment options.
**CrossRoads Community Federal Credit Union Loans are not eligible for refinancing. Not all loan products may be refinanced. Speak to a Loan Specialist for more information.
† APR = Annual Percentage Rate

External Link Disclosure

Non-CrossRoads Community Federal Credit Union links are provided as a service to members and are not owned or controlled by CrossRoads Community Federal Credit Union. If the member chooses to leave the credit union’s site and link to an alternative site not operated by the credit union, the credit union is not responsible for the content on the alternative site. CrossRoads Community Federal Credit Union is not endorsing or guaranteeing the products, information, or recommendations provided by linked sites and is not liable for any failure of products or services advertised on those sites. A linked site’s privacy and security policies may be different than those practiced by CrossRoads Community Federal Credit Union and may be less secure than the CrossRoads Community Federal Credit Union website.

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External Link Disclosure

Non-CrossRoads Community Federal Credit Union links are provided as a service to members and are not owned or controlled by CrossRoads Community Federal Credit Union. If the member chooses to leave the credit union’s site and link to an alternative site not operated by the credit union, the credit union is not responsible for the content on the alternative site. CrossRoads Community Federal Credit Union is not endorsing or guaranteeing the products, information, or recommendations provided by linked sites and is not liable for any failure of products or services advertised on those sites. A linked site’s privacy and security policies may be different than those practiced by CrossRoads Community Federal Credit Union and may be less secure than the CrossRoads Community Federal Credit Union website.

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