Chiphone Federal Credit Union Loan Products Page

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Begin shopping for rates at your Credit Union!
Check out our loan rate SPECIALS. Rates are competitive with negotiable terms. Rate qualifications are based on credit history and must comply with state usury laws. Rates from 5.49% APR to 17.9% APR with Negotiable terms. Rate qualifications are based on credit history, length of employment and debt ratio requirements. Ask for details!.

New/Used Auto

Looking to buy a new or used vehicle? Come see one of our loan specialists to apply or apply online. There are no pre-payment penalties. Discounts apply according to credit union services being used. Take a look at our rates.

Loan Promotions

Call today to find out about the loan promotions that are designed to fit your lending needs. Or see what is on our SPECIALS page.

Vehicle Refinancing

Paying a high interest rate on your auto? Come see a loan specialist to refinance your current auto with us. If you already have your loan with us see about refinancing for a lower rate. Processing fees may apply.

Mortgages, Time for your dreams to come true!

We offer 1st mortgages, fixed rate 2nd mortgages, and HELOCs-home equity lines of credit loans. Call Kathy at ext. 435 about other mortgage options.

Ask about our mortgage specials!

Home Equity

Time for that cruise vacation! Need cash for remodeling, consolidate bills or even for your child's college needs? You may be eligible to borrow the equity on your home. Our Home Equity Loan is a revolving line of credit. You can borrow from $5000.00 to $150,000.00. There are no pre-payment penalties, and the interest rate is currently below Prime Rate.

We offer HELOC Visa cards with an interest only payment option. You control how much your payment will be. If this seems like something for you, just give us a call!

Elkhart, 294-3606, CR 6, 206-2151, CR 17, 294-2420, Nappanee, 773-2428 or Middlebury, 825-7883.

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Signature

Our Signature Loans range from $500.00 to $2,500.00 for an individual applicant and up to $5,000.00 for joint applicants. Click here to apply today. Contact a Loan Specialist for your qualifying rate.

Share Certificate Secured

You can secure a loan or Visa with a share certificate. This type of loan is a good method to build or rebuild your credit.

Credit Cards- Banks increased minimum payment. Many have taken away the grace period for payments. Chiphone still offers a 25-day grace period!!

Family Visa Cards are available! Ask for details!

VISA CLASSIC

13.9% APR -17.9% APR
$300-$7,500 Credit Limit
25-day grace period
No Annual Fee
Balance transfer rate of 8.9% APR
Rates vary according to qualifications.

VISA GOLD

9.9% APR
$500-$7,500 Credit Limit
25-day grace period
$35.00 Annual Fee
New Bonus Rewards program
Balance transfer rate of 6.9% APR

Member Choice Rewards Catalog

Member Choice Rewards Full Disclosure

VISA PLATINUM

7.9% APR (8.9% as of 9/1/08)

$7,501-$15,000 Credit Limit

25-day grace period

No Annual Fee

Balance transfer rate of 5.9% APR

Visa Gift Cards available at Chiphone! Find out more on our SPECIALS page.

Terms & Conditions

If your Visa card is lost or stolen call the credit union immediately at

773-2428, 294-3606,825-7883, 206-2151, 294-2420 or call card services at 1-800-289-5939.

Protect yourself when you purchase on-line with Verified By Visa! Find enrollment information on the LINK on our HOME page.

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Accounts Federally Insured to $100,000 and are backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.		We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.