Lending

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Maybe you didn’t know, but at CLFCU we allow weekly or bi-weekly payments on ALL of our loans without additional points or fees… including mortgages.

Maybe you didn’t know that this type of payment plan can end up saving you HUNDREDS or even THOUSANDS over the life of your loan.

Maybe you didn’t know that this will also help you pay off your loan FASTER and can provide relief if you’re hit with a financial burden and realize you’re already PAID AHEAD on your loan.

Maybe you knew, maybe you didn’t, but either way, WE ARE LENDING and are ready to see how we can help you.

PLUS, with the help of our awesome lenders, online loan app, and E-Sign, you can complete the entire lending process without coming in to the credit union.  Give Jill or Lora a call to get started.

CLFCU NMLS #709383 | Jill Simcoe NMLS #773395 | Lora Lough NMLS #1419265

First-Time Car Buyer Loan Program

If you’re purchasing your first car, you may think it’ll be difficult to get financing.  Well, think again.  With CLFCU’s First-Time Car Buyer Loan Program, you could be driving away in your first car in no time!

  • 18 years and older
  • Little/no credit
  • No negative trades on credit
  • No car loan on credit report
  • 6+ months job time
  • No co-signer required
  • No down payment required
  • Securely apply online
  • eSign available
  • Communication via text available

CLFCU membership required for all borrowers.  Subject to credit approval and CLFCU lending policy.  Additional terms and conditions apply. Ask for details.

Auto, Personal & Other:

Hoping to drive away with a new (or new to you) car?  Get pre-approved!  Planning for a much-needed family vacation?  A loan from CLFCU might be just what you need to get the ball rolling.  We have loans to fit all kinds of needs and situations.  So dream big, start packing your bags, and come talk to us.

We also offer GAP Advantage and Route 66 Extended Warranty.  GAP Advantage is a non-insurance product that covers the “gap” between the vehicle’s value and the amount you still owe.  Route 66 offers a complete line of coverage designed to keep your vehicle on the road including towing, battery jump starting, safe and secure package, lock-out service, flat tire assistance, and minor adjustments.

Mortgage:

Where you live is not just a house, it’s your home.  And it’s one of the most important purchases you’ll ever make.  No matter where you are in your home buying process, we want to be a part of it.  With CLFCU, whether you’re building, purchasing, or refinancing your home, your loan stays here.  And with low closing costs, competitive rates, low fees, and no PMI requirements, we can help make your dream home a reality.  After all… there’s no place like home.

  • Mortgage Loans – Fixed & Variable Rate
  • Home Equity Loans
  • Home Equity Lines of Credit
  • New Construction Loans
  • Vacation Home Loans
  • Refinancing

CLFCU NMLS #709383 | Jill Simcoe NMLS #773395 | Lora Lough NMLS #1419265

Ag & Business:

Small, local businesses and agriculture are the driving forces of our community.  And at CLFCU, we want to help you grow and thrive.  CLFCU began as a Farm Bureau coop in 1932, and after nearly 90 years, we are still in the agricultural lending business.  As farmers and small business owners, your time is valuable.  We get that.  That’s why our application process is quick and easy.  Our loan officers are friendly and knowledgeable and would love the opportunity to get to know you and your business.  Call or stop by to learn more about CLFCU Ag & Business lending, and if you can’t make it in to the credit union, we’ll be happy to come to you.

  • 15 Year Fixed Farm Ground Loans
  • Farm Equipment Loans
  • Crop Loans
  • Livestock Loans
  • Fixed and Variable Operating Lines of Credit
  • Commercial Real Estate
  • Business Equipment Loans

Get rid of your high-interest credit card and transfer your balance to a new

CLFCU Credit Card!

  • NO transfer fees
  • 7.50% APR for the first 12 months
  • Make your payments at the credit union
  • Approval decisions made quickly and in-house
  • We consider MORE than just your credit score!
  • Visa Credit Card Application

CLFCU membership requirements apply. Subject to approval. Ask for details.