Why Borrow At Your
Credit Union?
Borrowing with us not only avails you to
lower rates than most banks and savings and loans, but many other
advantages, too. For instance:
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Repayment by payroll deduction is
convenient and almost painless, plus it eliminates forgetting to make
payments.
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You pay interest on the unpaid loan
balances, and with a true annual percentage rate, only the amount
borrowed is financed.
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There is no early payoff
penalty. Interest is simply paid on the remaining unpaid principal.
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The Credit Union offers optional Credit
Life and Disability Payment Protection.
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Loan servicing is personal and thorough
for your best interest.
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As with all information regarding your
account, all loan transactions are kept strictly confidential.
Loans to members are made for a variety of
useful and productive purposes. The most popular loans are new and used
autos, vacation, and other personal loans. Mortgage loans are also
available. All loans are subject to credit approval.
For The Borrower
Credit Life Payment Protection is a plan to assist your family in the
event of an untimely death of the borrower before a loan is repaid. If you
die, your loan at the Credit Union will be paid off. Credit Life Payment
Protection is available for only pennies a day.
Credit Disability Payment Protection is
available with your loan at minimal cost. Think for a minute ... what
might happen if you were disabled through sickness or accident. Not a very
pleasant prospect, but we all know it can happen. That's why we're
offering you the opportunity to protect yourself and your family with
Credit Disability Payment Protection. This coverage will continue making
your loan payments if you become temporarily or permanently disabled for
longer than the required waiting period.
Payment Protection Plans are available to
those borrowers who meet eligibility requirements.
We hope you'll ask for Life and Disability
Payment Protection when you apply for a loan.
Attention College
Students
You can still use
the products and services of your Credit Union even when you go away to
college.
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With an ATM Card, you can access your
account and make withdrawals and deposits.
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Our 24 hour audio response teller (TONI)
will allow you to initiate transactions from any touch tone telephone.
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A First Ohio Credit Union VISA Card
makes handling your college expenses much easier. Also, this is a good
opportunity to establish credit.
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With a First Ohio Credit Union Share
Draft Checking Account you have a record of bills paid and get a
convenient check card, too.
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Group Accident Insurance up to $2,000,
is free upon receipt of a completed application.
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Free travelers checks are available.
Click here
for the
scholarship application.
