Loans

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One of the POECU’s original purposes was to make loans to members, at reasonable rates of interest. Today’s credit union members know that when it’s time to borrow money, or establish a credit card, POECU still delivers the very best. We’ll help you make your dreams come true, with low loan rates, affordable terms, and a knowledgeable staff to answer your questions.

When you borrow from your credit union, you can take advantage of low cost credit life and disability insurance and the benefit of simple interest loan calculation. As you pay down your loan, you only pay interest on the unpaid balance. You can make extra payments to your loan at any time with no penalty and payments are made easy with your choice of Payroll Deduction, automatic transfer or regular payment plans.

PERSONAL: Buying a New Car?
Buying a new car is usually the second most expensive purchase many consumers make after the purchase of their home. Here’s a few fast facts to help you in your search. POECU offers you information on warranty and dealership costs. Get your complementary PC Car book printout to help determine your price. Shop as a “cash customer” with pre-approved Express Auto Loan. Shop around and compare, using our PC Car book printout, for your best deal.

HOME MORTGAGES
The Post Office Employees Credit Union can now finance your home for you at competetive rates. Whether you’re looking to purchase a home or just refinance your existing one, we can provide the funds.

NEW RECREATION VEHICLES / BOATS:Want to play?
POECU offers loans for all types recreational vehicles, Boats, personal watercraft, all types of motorcycles, ATV’s, even garden tractors! POECU will help you play, for less than you might expect. With interest rates and terms that make ownership affordable.

COMPUTER LOANS:
STOP! Before you put that new computer purchase on your credit card, (we hope it’s an POECU VISA card), you should check out our computer loan. It carries a significantly lower interest rate.

PERSONAL LINES-OF-CREDIT (PLC):
PLCs are the perfect way to ensure that you will always have the money that you need when you need it. Use your PLC for overdraft protection or to pay off a high rate credit card.

HOME EQUITY LOANS:
Use your number one asset–your home–to borrow money for any worth while purpose. Borrow up to 80 percent of your home’s value, less any outstanding mortgages. Ten year terms at more than competitive interest rates can turn your dreams of home improvements, college expenses, debt consolidation, even exotic vacations, into a reality. A Possible Tax Deduction(Consult your tax advisor to see whether this advantage applies to you!)

SHARE / SHARE CERTIFICATE SECURED:
Borrow against the funds in your POECU savings or certificate account to receive a lower, secured loan rate. Meanwhile, you’ll continue to earn dividends on the savings you have pledged.

SCHOOL TUITION:
Since 1980, tuition has increased 312% at four-year public colleges and universities. (US GAO) The POECU Tuition loan allows you to lock in, today A convenient Monthly payment. Preventing a large Lump Sum Payment at a very inconvenient time when other things are more important to your family.

CO-MAKER LOAN:
Has your credit been less than perfect ? POECU can help. With or Co-Maker loan system we are able to help you repair your past mistakes as well as turn your dreams of home improvements, college expenses, debt consolidation, even exotic vacations, into a reality.

2ND MORTGAGE:
POECU 2nd Mortgage Rates are more than competitive with other home lending institutions interest rates. POECU can turn your dreams of home improvements, college expenses, debt consolidation, even exotic vacations, into a reality. A Possible Tax Deduction(Consult your tax advisor to see whether this advantage applies to you!)

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