Loans + Credit Cards

Whether you are applying for your first loan with us or your fifth, you can expect the same level of personal service combined with a fast response time and a team full of loan experts ready to help you make an informed decision. Your NC Community Credit Union has highly competitive rates across all of our loan products. Click the link below to learn more about each loan type and even apply online. A member of our team will get back to you promptly within 1 business day.

New and Used Vehicle Loans

Need a new ride to get you from A to B? Or, are you thinking about a vehicle upgrade? Whatever the case may be, we’ve got low rates on new vehicle loans and used vehicle loans from brand new up to 10 model years old. Plus, we’ve always got some kind of promotion going on- be sure to ask us about it!

Mortgage Loans

Whether you or buying your dream home or thinking you are ready to build, we stand ready to make the process as seamless as possible. With the ability to offer a variety of mortgage programs, the expertise to pair you with the right one and an unmatched level of personalized service, we’ll have you wondering why you didn’t take the plunge sooner.

Personal Loans & Lines of Credit

Our Personal Loans & Personal Line Of Credit loans are more than overdraft prevention, they are always there to cover unexpected or planned expenses too.

Shared Secured

Instead of emptying your savings account to handle an unexpected expense, use it as collateral for a loan.

Lifestyle Loans

From Botox to babies – lifestyle personal loans are for what you want. The Lifestyle loan program helps you achieve your personal goals.

Home Equity Loan or Line of Credit

You can use the equity in your home (the difference between what you owe on your home and what it’s worth) as a line of credit to use for larger expenditures. Some examples include home improvements … new vehicle purchase … your dream wedding … education expenses…or just a  grand vacation.

VISA

Your NC Community Credit Union’s Visa Platinum or Classic Card is priced starting at a low 10.75% APR so you can buy those extra things you want or cover that unexpected expense and not spend the rest of your life paying for it. Low monthly payments really help, too.

Business Loans

Whether you need to improve facilities, refinance existing loans, purchase a new property or company car or are starting a new business, we can help.

Student Loans

When you need a little extra to fill in the funding gap, we’ve got the solution!

Loans – What To Know

What Is Good Credit?

If you were lending money to someone you didn’t know, what would you want to know about that person? Probably the same things potential lenders ask about you: How much do you earn? What do you do for a living? How long have you had your job? Do you own a home or rent? How often do you move? Do you pay your bills on time?

When you apply for credit or a loan, the potential lender turns to a credit bureau for answers to these questions. The credit bureau’s report normally includes four kinds of information:

Identifying information. Your name, current and previous addresses, Social Security number, date of birth, and current and previous employers. This information comes from the credit applications you fill out, so be sure to complete all applications clearly, completely, and consistently.

Credit information. Every account you have or have had within the past few years, the date opened, credit limit or loan amount, balance, monthly payment, and payment pattern. The companies that give you credit or lend you money supply this information. Negative information may remain on your report for up to seven years.

Public record information. Federal district bankruptcy records, state and county court records, tax liens and monetary judgments. Some states also report overdue child support payments. This information comes from public records. Bankruptcy reports remain in your file for ten years.

Inquiries. The name of anyone who has asked for a copy of your credit report. The credit bureau supplies this information, and it can remain available for as long as two years.

What Does Your Credit Report Look Like?

To obtain a copy of your credit report, contact one of these credit bureaus:

http://www.equifax.com
http://www.experian.com
http://www.transunion.com

Improving Your Credit Rating

If you’re starting from scratch or trying to repair a poor rating, start small. Get a credit card that is easy to get, perhaps one from a retail store or gas company, or get a secured credit card by depositing money with the issuer. Use the card and pay your bills on time. Add other credit or loans gradually, in small increments.

Don’t apply for loans you can’t qualify for. Every time someone checks your credit record, the credit check is noted in your record, too. If a lot of potential lenders have checked your report in a short period of time, other lenders will wonder why you’re trying so hard to go into debt.

Don’t keep credit cards with high limits that you don’t use. Potential lenders see open lines of credit as an opportunity for you to go on a shopping spree and go deeply into debt.

Pay your bills on time. Pay your bills on time. Pay your bills on time. Have we made our point?

Connect With Us!

Do More With YOUR Money HERE.

Welcome to Your Community Credit Union! We are a community based financial institution located in Goldsboro, NC. If you Live, Work, Worship or Attend School in Wayne County, North Carolina you are eligible for membership by opening a savings account with just $1!