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BOAT & RECREATIONAL VEHICLE LOAN 
We offer financing on both new or used boats
and RV's. The credit union offers a wide range of lending opportunities
in an effort to make these large purchases more affordable.
PAYMENT PROTECTION
Credit Disability Insurance makes your
monthly payments on your loan if you are out of work due to illness
or injury for more than 30 days, and under a physician's care. This
insurance benefit is sensible, affordable and available on most
credit union loans. Benefits begin on the 31st day and are offered
to members under the age of 65.
Credit Life Insurance will pay off a
loan in full for a member that has deceased. There is no age limit
and is available on most loans. Members must request Credit Life
Insurance upon signing the initial loan agreement.
PLUS EDUCATION LOANS
The Parent
Loan to Undergraduate
Students is a federal
loan for parents whose child is ensuing a post high-school education.
Borrowing limit equals: Cost of education minus aid received for
the year equals amount parents can borrow in a PLUS loan. Great
rates and convenient repayment terms including a discount off the
rate for using automatic deduction. The PLUS loan is not based on
financial need & parents must qualify.
STAFFORD STUDENT LOANS
Stafford loan program provides low interest
loans to students to help pay the cost of attending a post-secondary
school. Loan proceeds are sent directly to the school. Convenient
repayment terms including a discount of the rate for using automatic
deduction. No payments while in school.
FEDERAL EDUCATION CONSOLIDATION LOAN
This program is a great way to consolidate your
student loans into one payment. The loan must be a minimum of $5,000.00
with one or more of the following types of loans: Stafford, PLUS,
Perkins, Nursing/Health Professional. You have the convenience of
different payment options including a discount off the rate for
using automatic deduction.
SHARE SECURED LOANS
Members may use their own money to secure a
loan. The amount of the loan is pledged (held) in their share account.
The share account will continue to earn dividends. The pledged shares
become available as the loan balance is repaid.
LINE OF CREDIT LOAN
Open end, revolving line of credit with
a low rate. Members can apply for up to $10,000.00 with a one-time
application. Funds can be advanced off the loan over the phone,
by mail or in person. Payment is based on percentage of outstanding
loan balance.
VISA DEBIT/CHECK CARD
This program offers the flexibility to use your
card in place of checks or cash AND you get the added benefit of
having ATM access as well. Funds for purchases are taken directly
from your checking account and you don't have the hassle of waiting
for a check approval. The VISA Debit/Check card is convenient and
is accepted worldwide.
SIGNATURE LOAN
Signature loans are offered to our members to
be used as unsecured loans for a variety of financial needs.
HOME IMPROVEMENT LOAN
This loan is in place to help our members with
the financial responsibilities that go along with home improvements.
Maximum loan is $20,000.00 and has a fixed interest rate.
May require contractors estimates and lien may be placed on the
primary residence.
HOME EQUITY LOAN
Allows you, the member, the option of borrowing
against the equity in your home. There may be tax advantages too!
Contact the credit union for more specifics on the program and options
available.
OVERDRAFT PROTECTION
Make a mistake in the checking account? No need
to worry with overdraft. This credit line is attached to your checking
account & is accessed when there are not sufficient funds in
the checking account to cover checks. This saves you money from
being accessed a bounce check fee by the credit union or the institution
you wrote the check too.
MORTGAGES
Financing that first home or refinancing an
existing home doesn't have to be painful. Our mortgage program with
CUC Mortgage has many option and programs available to fit most
members needs. Our representative will meet with you at a time convenient
with your schedule and at the credit union office.
VISA CREDIT CARD
A credit card with worldwide acceptance. Use
to make purchases or take cash advances. Low rate, no annual fee
and monthly payments can be made from any account at the credit
union - saving money on postage. Limits up to $10,000.
CAR BUYERS HELPLINE
The "Negotiators" will provide any
information on a vehicle, locate the vehicle that meets your specifications
and negotiate the best price for the auto.
" LIVERPOOL CENTRAL SCHOOLS FEDERAL CREDIT UNION WILL
REQUEST INFORMATION TO VERIFY YOUR IDENTITY WHEN REQUIRED IN ACCORDANCE
WITH THE USA PATRIOT ACT OF 2001."
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