Borrowing from CNGEFCU is convenient and easy. It only takes minutes. Click with your mouse through our Home Financial Services or call our loan representative to apply by phone. We offer a wide range of loans to meet your needs. They include all types of loans such as First and Second Mortgages, New and Used Cars, Boats, RV’s, Education, Passbook, and Signature loans. And we can’t forget our fantastic VISA Card that we feel is one of the best offers in the nation! And we even have many products to protect your loan as well.

Home Loans
CNGEFCU offers first mortgages, second mortgages and home equity loans at competitive rates and terms. Our first mortgages are always no points and our second mortgages are no points and no closing costs. Call us for all the details.

Auto Loans
We offer low rates up to 100% financing of the purchase price or retail value for new and used cars, trucks, vans, motorcycles and sport utility vehicles.  We also offer up to 125% financing of the purchase price of a new vehicle, up to $5000 over the purchase price of the vehicle.  This additional amount must be used exclusively toward the loan on the trade-in vehicle. 125% financing loans carry a 0.25% higher interest rate and require GAP Insurance.  New Vehicle rates are available for terms of 36 to 72 months on all current models or models that are one year old with less than 20,000 miles.  Used Vehicle rates are available for 36 to 72 months on all used vehicles.  Our 72-month term loan has a minimum loan amount of $15,000.

GAP Insurance - Protect your vehicle with Guaranteed Asset Protection Insurance. GAP covers the difference between the book value of your car and the outstanding loan balance if your vehicle is stolen or damaged beyond repair. GAP is a low cost optional product available on all vehicle loans.

Kelley Blue Book - Check out the value of your vehicle before you buy or sell. Be an informed consumer with our link to Kelley Blue Book, your national guide to vehicle values.

CARFAX - CarFax Vehicle History Reports provide valuable information about potential problems that you can’t see.

VISA Credit Card
Our credit card is one of the best in the nation! See our current low, low rate. We have no annual fee (if you use the card just 4 times per year). We give you points for every purchase. Earn gifts or air travel!  To see how many points you have, visit our VISA points website @ www.scorecardrewards.com.  Our cash withdrawal rate is the same low loan rate. We don’t change your rate if you are late with your payment. We don’t have gimmicks and we don’t play games. Compare us and see!   For lost or stolen cards, call (800) 299-9842.

Boats and RV’s
If you are looking to fulfill that dream, come see us for our special boat loans and RV loans. In no time, you will be out having fun. Our maximum boat loan is $50,000 and can be up to 72 months. Our RV loans can be up to 84 months. Used boats or RV’s must be 10 years old or newer.

Passbook Loans
Continue to earn dividends and enjoy a low loan rate! It’s possible with our share secured loans. Just borrow against your own shares and you will have the lowest loan rates we offer. The rate on our 60-month passbook loan is 0.75% greater than the 2 year CD rate, and the rate for the 120-month loan is just 1.50% greater than the 2 year CD rate.

Signature Loans
If you just need some cash for that special reason, you can use our signature loan. We have two types, Open-End Loans or Regular Signature Loans. With our Open-End Loan, you can borrow money, and easily add on to the loan without re-application within a 15 month period. The regular signature loan can range from 12 to 72 months and by using more credit union services (direct deposit, checking (share drafts), our ATM card and/or our VISA card), you can lower your interest rate up to 1%.  For example, save ¼ % each off your loan rate with direct deposit.  Have bad credit?   We also offer a co-maker loan to help you out of your jam and will allow you earn back a good credit status.

Education Loans
Let us help you with your education needs. We have two levels of education loans and you may refinance yearly. We offer a signature loan for up to $10,000 for 60 months. For loans greater than $10,000, collateral will be required.

Credit Disability Insurance
This low cost insurance will provide you with protection by making loan payments during a period of disability if the insured becomes disabled and unable to work. You must currently be employed to be eligible and out of work for at least 30 days.

Credit Life Insurance
This low cost insurance protects the borrower by paying off a loan’s principal balance upon the death of the insured. Credit Life Insurance premiums are added to your monthly payments for ease and convenience.