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    Information

Loans

To qualify for a loan the following must be in effect:
  • You are a member of the Credit Union.
  • You have at least a $50 balance in your savings account.
  • You have completed 3 months of consecutive employment.
  • You have a current, positive TRW credit report and a debt ratio of 45% or less.
  • You must have a completed EMPLOYMENT VERIFICATION FORM
  • You must have completed a LOAN APPLICATION.

The APR (annual percentage rate) on loans changes periodically. Check with the Credit Union for current rates.

All loans are to be repaid through payroll deductions (for .25% rate discount) or can also be handled by obtaining a payment book for those members that are no longer employed through CSHS. A member must pay off his/her loan after the 3rd refinancing.

Optional credit life and disability insurance protection for your loan is available for purchase.

TYPES OF LOAN

Unsecured - Credit Builder Loan
Secured - Share Loan
New Auto - 72 months (6 years) Financing - Up to
Classic Car - 85% of appraised value
Used Auto - 60 months wholesale Blue Book value -
Motorcycles - (same as new/used auto) Maximum payback 60 months
Boats - Jet Skis - Trailer (hauling Jet Skis/motorcycles/horses)
Motor Homes - Campers - Van Conversions


UNSECURED LOANS

CLASSIFICATIONS
FICO SCORE
DEBT RATIO
APR
MAXIMUM
TERM (MOS)
PAYMENT
Unsecured
0-2 Negative Accounts
45% or less
9.90%
$7,500
60
$158.66
Unsecured
0-3 Negative Accounts
45% or less
11.90%
$4,000
48
$104.88`
Bill Consolidation
0-2 Negative Accounts
40% or Less
10.90%
$7,500
60
$162.33
Bill Consolidation
0-3 Negative Accounts
40% or Less
12.90%
$4,000
48
$106.83

Do you want to lower your interest (APR) rate?
If you have a CSHS payroll transfer (subtract) -0.25%
If you are a frequent borrower w/CSFCU (subtract) 0%
If you have more than one loan w/CSFCU (subtract)0%

USED car loans (cars must not be older than 8 Years). We finance Dealers Asking Price, Retail or Wholesale Blue Book Value. You may apply for a car note after 3 months employment.

SHARE SECURED LOANS @ 2.00%Above Highest Reg. Share current savings rate

For more detailed information on all loans, please verify with the "Loan Policy" for rates and pay back payments.

Any Person that causes or has caused the Cedars-Sinai Federal Credit Union a hardship - DOES NOT qualify to participate in any credit union activities.

  
 
 "This credit union is federally insured by the National Credit Union Administration"
©2002 Cedars-Sinai Federal Credit Union. All rights reserved.
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