Loans
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Auto/ Boats/ Recreational Vehicles
Total Choice FCU gets you behind the wheel fast! We offer some of the lowest rates on both new and used auto loans, boat loans, and RV loans. We offer GAP Insurance, Extended Warranties, Credit Life/Credit Disability coverage, and no pre-payment penalties.
Autos
Here’s what we need:
Purchase from Dealer–Bill of Sale/Purchase Agreement, Insurance Binder*listing Total Choice FCU as the lien holder.
Private–Copy of Title, Bill of Sale, Insurance Binder*listing Total ChoiceFCU as the lien holder. If there is an amount due on the auto you are purchasing from a person, we will need a 10-day payoff statement from the current financing institution and a good address for the payoff.
Refinance Auto Loan with another financial institution–Copy of current vehicle registration, 10-day payoff statement from the current financing institution, Insurance Binder*listing Total Choice FCU as the lien holder
*Full coverage insured required, max deductible $1500
Lease Buyout
Do you love your current lease and wish you could continue driving it after the lease is over? You can! You can buy out the lease with Total Choice FCU!
Here’s what we need:
Lease buyout agreement and disclosures needed for signature and Insurance Binder* listing Total Choice FCU as the lien holder
Boats
If on the water is where you find peace, look no further than Total Choice FCU for your next boat loan! We finance the hull, motor, and trailer! We offer competitive rates on boat financing with GAP insurance and Credit Life/Credit Life insurance coverage with no pre-payment penalties.
Here’s what we need:
Purchase from Dealer–Bill of Sale/Purchase Agreement, Insurance Binder* listing Total Choice FCU as the lien holder.
Private Sale–Copy of Title, Bill of Sale, Insurance Binder* listing Total Choice FCU as the lien holder. If there is an amount due on the auto you are purchasing from a person, we will need a 10-day payoff statement from the current financing institution and a good address for the payoff.
*Full coverage insured required, max deductible $1500
Recreational Vehicles
Are you ready to cruise the open road on the motorcycle of your dreams? Total ChoiceFCU can help make that happen. Our low rates and great terms can get you traveling before you know it!
Let’s help you get out and have some fun! If an ATV or a Jet-Ski purchase is in your future, Total ChoiceFCU wants to help make that happen! Apply today and start having the fun you deserve!
Here’s what we need:
Purchase from Dealer–Sales agreement/Proof of Purchase, Insurance Binder* listing Total Choice FCU as the lien holder
Private Sale–Copy of title/registration, Bill of Sale, Insurance Binder* listing Total Choice FCU as the lien holder.
*Full coverage insured required, max deductible $1500
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Credit Cards
Without a doubt, Total Choice FCU has some of the LOWEST credit card rates in town! Enjoy using your card worldwide with no annual fees and no balance transfer fees. We offer rates as low as 6.90% APR. With a $25,000 maximum*, you can be assured you have the means to accomplish your financial goals. We also offer Share Secured VISA cards that our members often use to successfully build their credit.
*Credit limit will be determined by creditworthiness and credit underwriting criteria.
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Signature Loans
Total Choice FCU Signature loans are unsecured loans that can help you to take care of a variety of financial needs you may encounter in your everyday life, like unexpected medical expenses, auto repairs, school expenses, and weddings. If you have the need, we have the solution that is quick and easy to apply for!
Mortgage LoansFor home purchases and refinances, Total Choice FCU has partnered with Members First Mortgage. Through this partnership, we can offer our members loans for purchasing their dream homes, construction loans and loans to refinance their existing mortgages. Click here to learn more and apply!
Mini-Mortgages
If you have equity in your home and are looking to borrow less than $75,000.00, we have the right loan for you!
Our mini mortgage program can provide you with the opportunity to borrow up to 80% of the appraised value of your home (less the amount owed) or up to $75,000.00!
- Low closing costs - $500.00 flat fee
- Competitive fixed rates
- Max repayment term – 10 years
- Owner occupied property only
Payment Example: $75,000.00 financed @ 5.25% APR* for 120 months equals $804.69 per month.
Contact Mary Vedros (MLO#897431) at mvedros@totalchoicefcu.com or 985-783-2130 to get the process started today or apply online!
Share Secured/Certificate Secured Loans
You have worked hard saving your money. Now let it work for you! Total ChoiceFCU Shared Secured Loans are a great way to build credit, repair credit, and take a loan out for anything you want! Since you are using your own money for collateral for this loan, we will not run a credit report nor require proof of income!