loans

This unsecured loan can be used
for a number of things from vacation,
home or auto repairs, to education
or family emergencies.  Rates and
terms are based on a number of
factors including the amount you
wish to borrow and certain
credit-worthiness criteria.

Are you ever in need of a little cash
before payday arrives? Avoid the high
fees that check cashing companies
charge. Let HSCU help you meet the
end of the month crunch.
Max. loan amount: $500.00
Max. term: 2 bi-weekly pay periods
Annual Percentage Rate: 10.00%
Fee: based on amount borrowed

We will finance 100% of the purchase
price, for qualified members, up to a
maximum of 60 months. If you're in
the market for a new vehicle, call us
first for pre-approval, then you can go
shopping with cash in hand! How?
With our VIP Auto Loan Draft, we
simply provide qualified members with
a check which is valid for 60 days up
to their pre-approved dollar limit. All
that's left is the shopping.  You don't
even have to see us after you make
your purchase.

Nine Model Years Old or Newer.
With vehicles lasting longer these
days, a used car can be your best
transportation bargain. HSCU offers
competitive rates and terms up to
60 months. We use the N.A.D.A.
guide to determine the value of a
vehicle and will normally lend up to
retail value, or the purchase price,
whichever is less. In some cases we
also base the value of the vehicle on our inspection.  We'll even refinance your
current loan, from another financial
institution, at our competitive loan rate. Simply bring us your loan documents
from the dealer or financial institution,
complete the on-line application or
one in our office, and we'll do the rest.

We will finance 100% of the purchase price,
for qualified members, up to a maximum of
60 months. If you're in the market for a new
boat or RV, call us first for pre-approval, then
you can go shopping as a cash customer.

Seven Model Years Old or Newer.
HSCU offers competitive rates and terms up
to 60 months. We may base the value of the
vehicle on our inspection.

Our no annual fee convenience card is
accepted worldwide. We offer a highly
competitive interest rate and a 25 day grace
period on all purchases. Maximum credit
limit is $7,500.

HSCU offers loans for most any financial need and at very competitve
interest rates. Rates and repayment terms vary based on the loan type
and certain credit-worthiness criteria. Ask any HSCU loan officer
for your interest rate. To apply for a loan, call an HSCU loan officer
at 865-689-6152. In most cases, we will respond to your
loan request within one hour or less from the time
your application is submitted.

Personal Loan
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"Fast Cash" Line-of-Credit
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Payday Loan Advance
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Share Secured or Certificate
Secured Loan
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Members may use their savings account
or certificate deposit to secure a loan.
How does all this work? It's simple and
your annual percentage rate is only 2%
above the current interest rate being paid on
that account. Why would you want to choose
this option? You may have savings that you
don't want to spend. This option allows you to
obtain the money at an inexpensive rate while
still maintaining your savings account. The
portion of your savings that is being used as
collateral for the loan becomes unavailable and
cannot be withdrawn. As you pay down your
loan balance, your funds become available and
upon paying off your loan, all funds are released.
The way the certificate of deposit works varies
slightly. In this case, the whole certificate balance
is held until the loan is paid in full. If the certificates
maturity date arrives before the loan is paid off,
you can pay it off with the certificate money on
the maturity date or simply let the certificate
renew for another term at the current rate paid
on that specific account. Now your loan simply
continues as is still it is paid off at which point
all of your funds being held will now be available
to you.

New Auto or Truck Loan
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Used Auto or Truck Loan
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New Boats, RVs, & Tractors
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Used Boats, RVs, & Tractors
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VISA Credit Card
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1st Mortgage
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Home Equity Mortgage
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15 year Variable Rate
Home equity loans are available to those
members who own their home and who already
have an existing mortgage or no mortgage at all.
The money can be used for home improvements,
debt consolidation, college tuition, medical
expenses, new car, almost anything you need.
Check with your tax advisor to see if your interest
may be tax deductible. No application fee and low closing costs 90% loan to value less any existing mortgages Minimum loan amount is $5,000
The interest rate is adjusted annually using the
one year T-bill rate as an index and adding 2.75%
to the current index and adding or subtracting the
difference to the existing rate. The increase or
decrease will not exceed 2% per year. There is a
13% interest rate ceiling and a 7% interest rate
floor over the life of the loan.

30 year Variable Rate
Buying a new home is important and many
decisions must be made in the process.
We want to help you get the best rate, term,
and service for your loan. We make financing
your home simple and painless. Check with
your tax advisor to see if your interest may
be tax deductible. No application fee and low
closing costs 90% loan to value less any existing mortgages Minimum loan amount is $5,000. The interest rate is adjusted annually using the one year T-bill rate as an index and adding 2.75% to the current index and adding or subtracting the difference to the existing rate. The increase or decrease will not exceed 2% per year. There is a 13% interest rate ceiling and a 6% interest rate floor over the life of the loan.

30 year Fixed Rate
90% and 80% loan to value available less any existing mortgages (if applicable).

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Interest is charged on this unsecured
loan only when you make advances
against the loan. You can request an
advance by phone, in person, or by calling
our 24-hour telephone teller.

more than you imagine

4005 N. Broadway, Knoxville, TN 37917 (865) 689-6152

Yes, we can

consolidate bills.