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Loan Types

How to apply: (Please read all instructions before proceeding)
  1. Complete a loan application. To start an online application, click here.
  2. All loan application submissions, with the exception of the Visa Credit Card, require a $35 non-refundable loan application fee. This fee must be paid before any loan will be processed or a final decision will be given.
  3. Before closing of the loan, verification of pay (i.e. Paystub or W-2) must be presented to complete the loan processing.
  4. If you wish to count Child Support, Rental Income, or a Side-Job as income, you must provide a copy of supporting documentation to verify this income.

If you have any questions, please feel free to contact us at (615) 292-7828.

  • Low-interest rates for new and used vehicles
  • Rates are based off of Debt-Income Ratio and Credit score and created using a matrix system
  • Term is determined by age of the vehicle
  • Need Assistance finding a vehicle? Check out our Car Finding page

Personal Loans
  • Used for debt consolidation, car repairs, tuition, medical bills, moving expenses, wedding expenses, etc.

Helping Hand Loans
  • $300 dollar loan used as a “Last resort” loan or to build credit
  • Loan term is for 3 months
  • Loan must be repaid in FULL before another advance can be made

Fixture Filing Loans
  • For appliances, lawnmowers, furniture, electronics, etc.
  • Uses personal property as collateral to receive a lower interest rate

Vacation Loans
  • 12 month term loans
  • Rate is based upon credit score and debt-to-income ratio

Christmas Loans
  • Special rate loans for the holiday season
  • Amounts, term and rates change annually. The promotion usually runs anytime between October 1 and January 31, but subject to change. Call the credit union at (615) 292-7828 for more information about this year’s special.

Overdraft Protection Loan
  • Line of credit is established to take care of share drafts (checks) if funds are not available in your checking account at the time the check is presented for payment

Share Secure
  • Uses Shares as collateral to receive a lower interest rate.

NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.