Loan Center
You'll be happy to know that we realize you have a hectic schedule and can't always make it into our offices during business hours. That's why we initiated our 24-hour Lending Center. Whether you apply online or over the phone, you'll get an answer back in a few minutes, even if it's Saturday afternoon.
Flexible lending is about providing the types of loans that you need. If it's a new auto loan or line of credit for easy access, we have it and we make the process simple. Our newest addition to make your life easy is our auto buying service, Auto Solution. Browse used car inventories, sell your vehicle on the Internet or request a price quote on the new vehicle of your dreams. All the convenience, without the hassle.
New & Used Auto Loans
Been thinking about your next vehicle? Maybe it's time for a new or used auto loan from your Credit Union! SHCFCU has a variety of ways to help you get a new or late-model vehicle with flexible terms and great low rates. Not sure what you want? Get pre-approved for your next vehicle and take the hassle out of car shopping!
NEW AUTO LOANS Finance up to 100% of dealer invoice. Repayment up to 84 months depending on amount financed, view our rates for more detail.
USED AUTO LOANS Finance up to 100% of value if seven years old or newer. Repayment up to 72 months depending on amount financed and age of vehicle. Vehicles more than seven years old can be financed through our Custom Cash Loan Program.
Auto Buying Service - Auto Solution
- Auto Solution is a Vehicle Buying Service for Credit Union Members that is dedicated to the total elimination of any and all hassle and negotiation common to a vehicle purchase.
- In addition to helping members with New and Used Vehicle Purchases, they offer Accessories, Extended Warranties, CarFax Vehicle History Service, Kelley Blue Book Used Car Pricing, New Car Invoice Information, Member Auto Buying Seminars, Off-Site Credit Union Sales, FASTRAX Vehicle Update E-Newsletter and a plethora of other services.
- They charge No Up-front Fees and you pay them only on the consummation of a sale. For that reason Auto Solution asks that you have your choices made as to Make, Model, etc, etc before contacting them. This saves a lot of time and allows them to serve many more credit union members.
- Auto Solution is affiliated with nearly 300 credit union outlets and they do everything possible to help you finance your purchase with your credit union
New & Used RV Loans
Are you ready to explore the great outdoors? If you need to finance your dream RV or boat, SHCFCU will help you with great fixed or variable rate loan programs. We even offer a balloon payment program that gives you the flexibility of lower payments.
VISA CARDS
VISA Classic
A classic never goes out of style - it just becomes more valuable! SHCFCU's Visa Classic card is instantly recognized and accepted by merchants all over the world, including the Internet.
- $200 to $5,000
- Payment is 3% of Outstanding Balance with a $20 minimum
- No Annual Fee
- No Cash Advance Fee
- 25-Day Grace Period on Purchases
- VISA is Accepted Worldwide
VISA Classic Share Secured
A Share Secured VISA offers members with less than perfect credit ratings or no credit the convenience of a credit card. Members must pledge funds in their share account against the credit card limit. This allows the member to have the convenience of a credit card while rebuilding or restoring their credit.
- $200 to $5,000
- Payment is 3% of Outstanding Balance with a $20 minimum
- No Annual Fee
- No Cash Advance Fee
- 25-Day Grace Period on Purchases
- VISA is Accepted Worldwide
Student VISA
Whether it's books, airline tickets, or an interview suit, a Student Visa can help you purchase the things you need most. Get started on a lifetime of good credit with a Visa card designed just for students.
- $200 to $1,500
- Payment is 3% of Outstanding Balance with a $20 minimum
- No Annual Fee
- No Cash Advance Fee
- 25-Day Grace Period on Purchases
- VISA is Accepted Worldwide
VISA Gold
St. Helens Community Federal Credit Union thinks you deserve gold - Visa Gold! On a business trip, a family vacation, or just shopping on the weekend, you can always count on SHCFCU's Visa Gold card to meet your financial needs.
- $1,000 to $25,000
- Payment is 1.5% of Outstanding Balance with a $20 minimum
- No Annual Fee
- No Cash Advance Fee
- Travel Accident Insurance
- Car Rental Insurance
- Warranty Manager
- Travel Assistance
- Emergency Card Replacement
- VISA is Accepted Worldwide
Platinum Elite VISA
You've worked hard! You've managed your finances well! Why not reward yourself? With SHCFCU's Platinum Elite VISA card, you can enjoy the privileges of a Platinum card coupled with the incomparable service you expect from St. Helens Community Federal Credit Union!
- No Annual Fee
- No Cash Advance Fee
- 25-Day Grace Period on Purchases
- $15,000 to $50,000 Credit Limits
- Monthly Payment is 2% of outstanding balance with a $25 Minimum
- Low Rate
- $150,000 Travel Accident Insurance
- Car Rental Insurance
- Warranty Manager
- Travel Assistance
- Emergency Card Replacement
'My Line' Personal Line-of-Credit
Time for a vacation? Unexpected expenses? To make sure you're always prepared, the 'My Line' Line-of-Credit makes it easy to access funds when you need them. Simply transfer the money to your checking account using TellerPhone or CU Online Banking and use your Debit Card or ATM to access the funds.
With limits up to $25,000 and a low rate, it's often a better choice than credit cards. It's also an excellent way to consolidate high rate credit card debt.
Click here for rates.
Custom Cash Loans
If you have credit card balances with high rates and full repayment that is not in the foreseeable future, then you should consider a Custom Cash Loan from SHCFCU.
These loans are perfect for specific purposes like consolidating your credit card balances for a lower rate, repairing your car and fixing up your home with upgrades or new furniture. You can choose a variable rate or a fixed rate. These loans are versatile because they can be used for just about anything you choose!
Click here for rates.
Prepare Yourself for College ~ Apply for Your Student Loan Now!
Preparing for college is a very exciting time--and can even be a little nerve wracking. You worry about how much it's going to cost and how you'll be able to pay for it. St. Helens Community Federal Credit Union is here to help!
We provide the forms you need to apply for one of the Federal Family Education Loan Programs (FFELP). Once you apply for FFELP, keep coming back to SHCFCU for future borrowing, that way all your student loans are consolidated together and you maintain only one payment instead of several. For information on how to apply for FFELP, call 503-397-2376.
Mortgage Loans
Because we are a local member-owned financial institution, we can review and approve your mortgage loan right here in Columbia County. Your questions will be answered and your concerns taken care of by our friendly, courteous staff of professionals, who are just a local telephone call away.
Apply Online Now !
When it's time to buy, build, refinance or use the equity in your home, we can help. We offer a wide range of programs from construction loans to 100% mortgage loans.
Don't think you're quite ready to purchase a home? It's still a good idea to talk to one of our Mortgage officers. We have grant programs available that will match the funds you save to help with your down payment. Call 503.397.2376 or 800.275.6434 for current rates.
Mortgage & Equity Programs
- First Time Home Buyers Programs
- 100% Mortgages
- Federal Home Loan Grant Program
- FHA & VA Loans
- Credit Challenged Mortgages
- Manufactured Home Loans
- Construction Loans
- Equity Loans
- Equity Lines of Credit
- Bridge Loans
- Bare Land Loans & Much More!
We're here to help you. Use our Mortgage Calculator to project mortgage payments!
