Loans
Auto Loans
Whether it’s a new – or new to you – auto, we are proud to offer some of the most competitive rates nationwide! Get your pre-approval today and negotiate with confidence.
- Competitive Rates
- No monthly fees or prepayment penalties
- Flexible Terms (up to 84 months)
- Rate discounts available
- Easy, convenient application process
- Loan Payment Protection/Insurance
- Personalized member service
- Expert vehicle advisors
- GAP Insurance
- Extended Warranty Protection
- Automatic loan payments from your Peoples FCU checking or savings account
- 24/7 access to current balances, transaction history, payment due dates
Mortgages and Home Equity Lines of Credit
Mortgages
Dreaming of a new home, or do you need to refinance your existing for a better rate? Peoples FCU has a program to fit your needs!
- Purchase or Refinance.
- First Time Buyer Programs available through WV Housing Development Fund.
- FHA/VA/USDA programs available.
- Manufactured Home financing available. Call for details.
- Automatic loan payments from your Peoples FCU checking or savings account.
- 24/7 access to current balances, transaction history, payment due dates.
Home Equity Lines of Credit
Allow the equity in your home to work for you! Whether it’s a dream renovation, dream vacation, or dream education, the equity in your home can allow all of your dreams to come true!
- Borrow up to 90% of your Home’s Equity.
- Manufactured Homes (Doublewide or Larger) on permanent foundation eligible.
- Use what you need when you need it, up to the amount of your credit line.
- Monthly payments based on what you owe and drop as you pay the line down.
- Peoples FCU pays closing costs.
- Call for details.
Recreational Loans
Is it time for some fun? Peoples FCU finances a plethora of recreational vehicles, new and used: boats, RV, PWC, motorcycles, and ATVs with great rates and flexible terms.
- Competitive Rates
- Flexible Terms
- Rate discounts available
- Online Application
- Automatic loan payments from your Peoples FCU checking or savings account
- 24/7 access to current balances, transaction history, payment due dates
Student Lending
The Smart Option Student Loan® for Peoples Federal Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.
The Smart Option Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
- No origination fee and no prepayment penalty
- Benefits and an interest rate reduction available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists
To learn more, please get started here.
Business Lending
We have partnered with Cooperative Business Services to help make business loans available to you!
Cooperative Business Services (CBS) specializes in helping small business owners finance their business expenses and continue on their path to a successful future.
CBS partnered with us to deliver competitive financing tailored to your individual business needs, such as:
Commercial Real Estate
Machinery & Equipment
SBA (Small Business Association) Loans (504 & 7a)
Up to $7,500,000 with as little as 10% down.
If you are interested, please contact Thomas “T.J.” Simyak, Assistant Vice President, Business Development at 1.888.697.9555 ext. 109 or tsimyak@cbscuso.com
Personal Loans
Peoples FCU offers several personal loans to meet the needs of our members including:
Instant Cash Lines of Credit, Signature Loans, and Shared Secure Loans. Whether you need to establish credit, consolidate bills, or take a dream vacation, we have the right option for you!
- Competitive Rates
- Flexible Terms
- Rate discounts available
- Loan amounts from $500 to $10,000
- Online Application
- Automatic loan payments from your Peoples FCU checking or savings account
- 24/7 access to current balances, transaction history, payment due dates
Miscellaneous Loans
Have you found the perfect piece of property? Do you need some extra equipment for your lawn or farm? Or, does your furniture need spruced up a bit? We have financing available for new and used lawn, tractor, and farm equipment, property purchases, and home furnishings!
- Competitive Rates
- Flexible Terms
- Rate discounts available
- Online Application
- Automatic loan payments from your Peoples FCU checking or savings account
- 24/7 access to current balances, transaction history, payment due dates