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Loans Details

What kind of loans does MembersOwn Credit Union have?
MembersOwn Credit Union offers various types of loans for consumers. Members and potential members may apply for a loan to purchase a car, pickup, RV, boat, motorcycle or any other item that can be legally titled. We also have loans available for other acceptable purposes within the policies and guidelines of the credit union. Home loans are available to buy, refinance or improve you home. Home equity loans utilize the equity you have in your residence and include home equity lines of credit, fixed home equity loans and home improvement loans. Please contact your local office for more information.

How do I apply for a loan?
There are many ways for you to apply for a loan. Online credit applications are available through eBranch—members enter your account number and PIN, and non-members click on the “Apply for a Loan” button, within the eBranch login box. You can always stop by to pick up a credit application or talk to a loan officer. If it is difficult for you to come in during open hours, download a credit application or contact us to mail or fax you one.

Does MembersOwn report to a credit bureau?
Yes, we report our member’s loan information to Experian and TransUnion.

Is there a penalty to pay a loan off early?
There is no penalty for early payment. In fact, if it is possible for you to make additional payments, we encourage it because you benefit by paying less total interest on the loan. If you do make additional payments, unless you contact us, you will still have to make your minimum regular payment according to your contract.

What if something happens to me before the loan is paid off?
You may choose to add a protection plan to your loan with the premium calculated as part of your payments. Credit protection plans are not required for loan approval. Contact us or find more information about credit protection plans here.

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