OUR LOANS HAVE A LOT IN COMMON
Along with some of the lowest rates around, our loans come with an easy application process, flexible terms, optional life and disability insurance, and convenient repayment plans. CrossRoads Community loans can also be used to refinance higher-rate loans from other financial institutions.
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 72 months that’s right for you with a monthly payment that fits your budget.
NEW RECREATIONAL VEHICLE
What do you need to enjoy the great outdoors affordably? Great rates and low monthly payments. CrossRoads Community 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?
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 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.
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 Home Equity Lines-of-Credit have a draw period of 7 years…which means you has that long to decide what improvements you want, make them and payback* the credit union.
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 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?
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:
3960 Harlem Rd
Suite #5
Snyder, NY 14226
Phone: 716-839-0701
email: [email protected]
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, offer competitive rates, multiple repayment options, no origination fee and no prepayment penalty. Now go get that degree!
MASTERCARD®
The CrossRoads Community MasterCard comes with a low fixed rate of just 9.90% 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!
LOST /STOLEN CREDIT CARD
To report your lost or stolen CrossRoads Community FCU MasterCard, call 1-855-556-1969
*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