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Loans

Find the right loan to fit your needs, whether you're buying a car, purchasing a home, or covering unexpected expenses. Explore all our options!

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Car Loans
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Mortgages
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Personal Loans
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Xpress Overdraft
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Debt Management

Consolidation & Refinance

Our Credit Union understands that our members face situations that can affect their ability to pay debts due to unforeseen reasons like retirement, death, loss of income, ill-health or otherwise. You can rest assured that our Credit Union is truly dedicated to our “Members Helping Members” philosophy. Our qualified team takes a sensitive, personalized approach with the number one priority of saving your property.

Consolidation
If you have more than one debt to pay and feel overwhelmed, we can roll multiple debts into one single and easy payment.
Refinancing
Save money with lower payments and a great interest rate when you refinance your loans with the Credit Union.

Within Share Loans

Access your funds cost-effectively

Life happens and occasionally, you may need to access funds from your voluntary share account but do not want to touch your hard-earned savings. Take advantage of a within share loan; this product is unique and can not be found at other financial institutions.

Some benefits of a Within Share Loan are:

  • Keep your shares and earn dividends
  • Use your shares as collateral for your loan
  • Payment term up to 25 years
  • Reduced interest rate
  • Set your own payment; and
  • Earn Cash Back (Interest Rebate)
To request a Within Share Loan:
1. Download and complete the application form.
2. Click the 'Submit Application' button below and attach the completed application to submit your request. Optionally provide additional details.

Character Loans

Flexible Financing Without Collateral

Life is full of unexpected expenses, and sometimes you need financial support without collateral. A Character Loan from CICSA Credit Union is designed to help members access funds based on their financial history, employment status, and integrity rather than traditional collateral. Apply today and take advantage of this unique lending option!

Benefits of a Character Loan:

  • No collateral required
  • Competitive interest rates
  • Flexible repayment terms
  • Quick approval process
  • Designed for working professionals

FAQs

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Personal Loans
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Car Loans
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Xpress Overdraft Loan
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