“GAP” GUARANTEED AUTO PROTECTION
cover the difference between the actual cash value of the vehicle (primary
insurance company settlement) and the outstanding loan balance at Municipal
Credit Union at the time of loss. This protection can be purchased after loan
origination as long as you have not experienced a total loss due to collision
or theft. However, it is not retroactive and the coverage goes into effect the
day the GAP is purchased and covers the remaining term and balance. On new loans
all Frost GAP programs have a Free Look
period where the borrower can receive a full refund for any reason within 60
days. After the Free Look period the $280.00 charge for GAP is non-refundable.
example of GAP protection.
Current Rates (Updated 01/01/2015) Rates
subject to change.
Make your dreams of Home Ownership a reality!
Municipal Credit Union, in our partnership with Consumer Loan Services is now offering a
“mortgage checkup” or a “mortgage preparation plan”. This will help our members to be in
an optimal position to either refinance or purchase a home in the future. CLS will discuss
with you “where you are now” and what you may “need to do” to put yourself in a position to
obtain the best interest rate and terms for your mortgage loan and the steps you should take
to ensure this success. Please contact Kristi at CLS for more information.
Kristi Wookey Mortgage Loan Consultant, NMLS #291212
Consumer Loan Services, LLC NMLS #200020
811 Monitor St. l La Crosse, WI 54603
Office: 608-791-1527 l Fax: 608-782-3240
APPLY FOR A PURCHASE MORTGAGE AT
MCU OR APPLY ONLINE HERE!
We are pleased to announce that we will
refinance your home for up to 20 years at 3.4%
with very low closing costs. Other options are
15 years at 2.9 % and 10 years at 2.75%.
Appraisal required if borrowing more the 60% of
the Fair Market Value of your home.
Please call the credit union for more details.
you can pay for college the smart way
with three great repayment options and
competitive interest rates!
The Municipal Credit Union Smart Option Student Loan® by Sallie Mae® is
an ideal solution to help bridge that
gap between federal loans and the cost
of your education expenses.
The Smart Option Student Loan features and benefits:
New interest rate type for Academic Year 2012-13. We now offer
competitive fixed interest rates
in addition to our low variable
interest rates providing even
more choice and flexibility.
Borrow up to 100% of school certified education costs (minimum $1,000)
Multiple in-school repayment options available
Borrower benefits available – like rewards and interest rate reductions
Rates that reward creditworthy borrowers
Applying with a creditworthy cosigner may help you qualify and/or
receive a lower rate
Fast Online Application. Our easy-to-complete application takes about 15
minutes. It's quick and easy.
24/7 online account management
No prepayment penalty.
To learn more or to apply click the box below!
*We are compensated for the referral of
Smart Option Student Loan customers.