Loans

You probably came to Telco Community because you've got plans for the future. But some plans can be bigger than your savings account. When that's the case, it's good to know that our structure as a not-for-profit financial cooperative allows us to pass along lower costs in the form of flexible, affordable, creative loan packages you simply won't find anywhere else. So whether you're saving for a house, a car, a vacation, or just a treasured "toy", we have a loan that's right for you. By clicking here you may fill out a loan application, check what your payment would be, or do a loan comparison.

Unsecured Loans

Signature Loans - Borrow up to two times your combined monthly gross income in one lump sum, at a low fixed rate.
Signature line of credit - Have a ready source of cash to borrow all at once or a little at a time, as needed. At a low variable rate and with payments required only on the outstanding balance, you'll find this option an ideal solution for home business start-ups, remodeling projects, or a dozen other uses. To access funds, just transfer them in person, over the phone with Quickline, or by activating your Checking Automatic Overdraft Protection.
Guaranteed Student Loans - Telco Community offers two government-sponsored student loans: The Stafford Loan (for students) and The PLUS loan (for parents). Both are processed through a credit union student loan network, and approved amounts are based on individual financial need as determined by information on the government Financial Aid Form (FAF) you complete along with a student loan application form. Click HERE to go to our E-mail and request the applications.
VISA Classic - Whether you're starting to establish credit or want the convenience of a credit card, VISA Classic gives you everything you need. In addition to a low interest rate, no annual fee – our VISA Classic offers several features usually only found with exclusive Gold credit cards – like a 25-day grace period on purchases and a generous $250,000 automatic travel insurance policy.¹ Click HERE to fill out an application.
VISA Gold - In addition to all the benefits of our VISA Classic, VISA Gold offers a remarkable $400,000 automatic travel insurance policy1 as well as a 24-Hour Emergency Assistance Program. It's one of the only gold cards you'll find anywhere with a low interest rate and no annual fee. Click HERE to fill out an application.

¹Automatic travel insurance applies when you purchase common carrier tickets using your VISA card.

Real Estate Loans

Since a good mortgage begins with understanding, we begin by providing you with the information you need to make the right decision. We'll help you determine how much you can comfortably afford to borrow, what you'll need for a down payment, and which type of mortgage lends itself to your particular financial situation. Our goal is to provide you with the answers you'll need before you shop – and the loan you'll need to live comfortably afterwards. Click HERE to E-mail us and find out more about:

First Mortgage Loans
Home Equity (second mortgages)
An Equity Access Line of Credit

Secured Loans

Telco Community offers a variety of low-interest loans secured by personal property or savings. We have lower loan rates than you'll find at most other places. Making payments is easy, with options like automatic payroll deduction, transfer payment program, and Quickline pay-by-phone. Check out these great products then click HERE to fill out a loan application.

Vehicle loans. New or used cars, pickups, or vans
RV/Boat loans. New or used recreational vehicles or boats
Other secured loans. Older used vehicles, motorcycles, all-terrain vehicles (ATVs)
Stock, Share, or Certificate-Secured loans. Hold your investments as collateral – and continue to earn dividends throughout the length of the loan!

Consumer Loan Application

Financial Calculators

(Disclosure: Note calculations are intended to provide approximate information about payments and does not constitute an offer of credit.)