Consumer Loan Services
The Credit Union can help you finance your dreams. We offer a wide variety of lending services, from first mortgages to purchase your dream home to signature loans to auto loans to home equity lines of credit. If your find yourself in a financial crunch, we can work with you to help you recover with our debt consolidation options.
All loan services at Montana Health FCU offer:
- Competitive Rates
- Flexible Repayment terms
- Hassle-free payments made through automatic transfers and/or payroll deduction
- Optional Credit Life and Disability Insurance available on most loans
New and Used Vehicle Loans
For more bargaining power, have your vehicle loan pre-approved before you shop.
Try our new Wealthcare Auto Buying Experience
The Hybrid Loan is designed to help you get the car you want with financing options that work for you. At the end of your financing term, you can retain the car by paying the remaining balance or finance the balance at the current used rates. Or you can simply return the car.*
With the Hybrid Loan, you enjoy:
- No prepayment penalties
- Lower monthly payments than conventional loans
- Ownership benefits and financing options because the vehicle is titled in your name
*Vehicles will be returned to a retailer selected by Montana Health FCU.
Ready to get started?
Credit Life & Disability Insurance
Insurance that will make your loan payments in the event of a death or disability.
Use your good credit to finance your next vacation, that new computer, furniture for the den, or to consolidate higher priced debt and reduce your monthly payments.
Share Secured Loans
Your Shares in Montana Health FCU can be used as collateral for your loan.
Guaranteed Asset Protection (GAP) coverage is a non-insurance product available on all new and used vehicles financed at the credit union. GAP pays any deficiency between the insurance company’s settlement and your loan balance in the event of a total loss. In most cases GAP provides $1000 GAP Advantage to go towards the purchase of a replacement vehicle.
Home Equity Loans
Use the equity in your home as collateral. Payments can be extended over 15 years and interest may be tax deductible.*
Overdraft Protection Loans
Your Overdraft Protection line of credit will cover Non-Sufficient Fund (NSF) checks that sometimes can occur on even the best accounts.
*See your tax professional for income tax advice.