CITIZENS CHOICE FEDERAL CREDIT UNION
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A loan where the borrower pledges his/her honor as the security for repayment of the loan as promised. Failure to repay the loan causes a bad credit rating and jeopardizes future credit advances with Citizens Choice.
Share balances are pledged against the loan. The borrower may not withdraw these shares until the advance is paid below the secured balance. This loan carries an interest rate of 6%.
This loan requires that a spouse or another credit union member pledges his/her signature or shares to help secure the loan as borrower as deemed necessary by the loan officer and/or credit committee or when exceeding the normal limits as stated. The co-signer becomes responsible for paying the delinquent balance if the borrowers fails to pay as scheduled.
Throughout the year Citizens Choice offers a variety of loans occasionally. Specific rates and terms will be defined as the Board of Directors deems necessary in regard to loan demand and current liquidity. These special loans include: Back to School Loans, Christmas Loans, Spring Specials and Fresh Start Loans.
This loan must have Citizens Choice Federal Credit Union listed as the lien holder on all automobile loans. These loans are on a limited basis pending the Credit union’s cash availability to make these loans.
THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the Citizens Choice Federal Credit Union website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Citizens Choice Federal Credit Union website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Citizens Choice Federal Credit Union.