|
|
 |
 |
|
 |
|
|
|
|
| As a financial cooperative serving Teamsters,
we offer lower rates on consumer loans than you can get elsewhere. We have no loan fees,
and you have a choice of flexible repayment schedules. When you compare the bottom line, a
Credit Union loan nearly always saves you money. And often it's big money! We'll
fund just about any financial need you have. We'll also help you determine just what your
best financing options are. If you need help comparing our financing with another
lender's, we'll give it to you in easy to understand dollars and cents. Remember, you're
the owner here. It's our job to find the best deal for you!
New & Used Auto, Truck, Van
Sometimes the dealer's "special" financing is a good deal. More often,
though, it has strings attached-limited vehicle selection, short loan terms, lost rebates,
higher prices, and so on. Credit union financing plus the dealer's best cash price is
usually the way to go. We can pre-approve your loan-there's no cost-which makes you, in
effect, a cash buyer when you negotiate with the dealer. Whatever you do, be sure to check
with us before you accept his financing.
Get
your auto financing right at the dealership! Teamsters Credit Union and Credit Union
Direct Lending (CUDL) have partnered allowing you access to hundreds of dealerships
where you can get your Credit Union financing approved. Just visit any participating
CUDL dealer, identify yourself as a Teamsters Credit Union member, and request your
financing through the CUDL system. From 7 a.m. to midnight, 7 days a week, including
holidays, we can approve your new or used auto loan while you are at the dealership
without visiting your Credit Union. The program uses Teamsters Credit Union’s current
low rates and terms when applying. It’s like having a loan officer right at the
dealership!
The way CUDL works is:
1. Decide on the make and model of the vehicle you want.
2. Visit any participating dealership
3. Apply for Teamsters Credit Union’s low rate financing right at the dealership.
Within minutes, you’ll have a financing decision.
4. Once financing is approved, the dealer receives our rates and terms, completes the
sales contract and you drive off in your new car.
To find participating dealers near you, click on the CUDL logo above, or visit www.cudirect.com.
Once you are at that site, click on the “Dealer Locator” link. Or call 888-CUDIRECT
and speak to a CUDL staff member who can help you locate a dealer. This link also offers
valuable articles, information, Kelley Blue Book, NADA, payment calculator, Carfax, and
car buying tips.
Need a car? The Credit Union recommends Auto Solution, who not
only specializes in new, but used cars as well. Call Greg at 503-238-2429 or
1-800-207-2429. Or visit their web
site to locate the exact used car you're looking for. Or build a new one with Web
Car Book.
Credit
Life, Credit Disability, GAP & Extended Warranty
Teamsters Council #37 FCU offers credit life, credit disability, guaranteed auto
protection (GAP) and extended warranty. Click
here to find out if we have a warranty plan that meets your needs.
|
New & Used Boat, RV, Motorcycle
Whatever rolling or floating stock you need for your outdoor recreation, we can
finance it. As with our auto loans, we can make you a "cash buyer" with a
preapproved loan, and our competitive rates and extended terms will save you money.
Refinancing
We have a standing offer to refinance any fixed rate consumer loan that a member
has at another lender for a rate 1% lower than the rate that member pays now, down to the
current minimum rate in effect at the Credit Union. Refinancing usually saves thousands of
dollars in interest over the life of most late model car loans, for example. There's never
a loan fee, so it's like money for nothing!
MasterCard® Credit Card
Worldwide acceptance. No annual fee. Rates as low as 7.99% APR. (Get a cash
advance by phone! We'll send you a check or deposit it to your account.) 25 day grace
period. No liability for a lost or stolen card. $250,000 travel accident insurance. Credit
life & credit disability insurance. Minimal late fee. No over limit fee. We could go
on, but you get the idea. Your Credit Union MasterCard® is the solid financial value you
want in a credit card. Review the disclosure
-- Apply for a TCU MasterCard®.
To report your credit card lost or stolen please call 1-800-449-7728
MasterCard®
SecureCode -- Introducing MasterCard Credit Card SecureCode -- a new online
security service to guard you against unauthorized use of your MasterCard credit card
while shopping online at participating merchants. There is no need to get a new card, no
software to download, no cost, and no hassles... just added security. Once enrolled in
this service, you'll have added confidence knowing that MasterCard Credit Card SecureCode
performs an extra authentication step to protect your account from unauthorized users
online. More.
To report your card lost or stolen please call 1-800-449-7728
Personal Loan & Line
of Credit
Your good credit entitles you to a good loan. With a personal line of credit you
can advance yourself the funds you need, as you need them, at a low variable rate that
beats using bank cards or store accounts. With a signature loan you can obtain a lump sum
of cash at a low fixed rate with a set number of payments.
Other Consumer Loans
Ask us about loans for any items not mentioned above. Computer loan? You've got
it! A new ATV or jet-ski? No problem! We also offer share secured, Certificate secured,
and severance secured loans at very low rates. Check our Current Loan
Rates. Applying for a loan is easy-you can do it over the phone in most cases!
Credit Insurance
As your financial partner, we also want to protect the investment you make in a
Credit Union loan. We offer optional credit disability and credit life insurance that
makes loan payments for you if you are disabled or pays off the loan if you meet an
untimely demise. Coverage is available for a nominal cost that can be included in your
monthly payments. It's one less financial stress for your family if the worst should
happen.
Skip-a-Payment Program
Each year our members with consumer loans have the opportunity to defer a loan
payment during the holiday season. Our "Skip-A-Payment" program gives
participants extra cash at the time of year when it's needed most.
Teamster Strike Policy
Look to your Credit Union for help in the event of a Teamster strike or lock-out.
We have the most liberal loan extension policy in the nation-up to six months for all but
real estate loans (and we'll even modify those, when feasible).
Top of Page |
|
|
|