Loan Products
Auto Loans
Whether it’s a new or used vehicle, ask us at KCU! Give us a call to get the book value of a vehicle (or click on the link below) so that you can get the best price when you shop for your new car. KCU offers 100% financing and low, flexible payment terms to meet your needs.
First Mortgage Loans
KCU now offers its members a full line of first mortgage products, including fixed and adjustable rate mortgages with terms up to 30 years.
You may contact one of our loan officers at 330.678.2274 to discuss your mortgage needs. Click below for rates or to apply now.
Fixed-Rate Home Equity Loans
Put the equity in your home to work for you! KCU can help with a variety of fixed rate products that carry affordable payments and terms.
Home Equity Lines of Credit
If you are thinking about making home improvements, consolidating debts or taking a vacation, consider a KCU home equity line! Your revolving line of credit will be based on your home’s appraised value. KCU can lend up to 80% of the appraised value, minus your first mortgage balance. Once your line of credit is established, we can advance all or part of it as needed. As you make payments, your line of credit will replenish itself. The interest rate is variable and is based on the Prime Rate and could be tax deductible.
Motorcycle, Boat, & Recreational Loans
Need a little R & R? With these low INTEREST RATES, you won’t have anything to worry about except having fun!
Signature Loans
Need money to consolidate bills, take a vacation or purchase a big-ticket item? KCU signature loans can meet your dreams! We offer competitive, low rates and the convenience of automatic payments.
StretchPay Loans - Payday Lending Alternative
Caught short on cash between paychecks? Don’t pay the high interest rates and fees for a loan from a payday lender or check cashing outlet. Kent Credit Union’s StretchPay loan is a much cheaper and economical alternative.
StretchPay is a short-term cash advance that helps you pay for unexpected expenses without being taken advantage of by high-rate payday lenders. This loan is generally available to individuals who have been members of Kent Credit Union for at least 90 days, regardless of credit history, as long as you have no delinquent credit union accounts and are not in the process of filing for bankruptcy.
The StretchPay loan is available as a $250 loan with a $35 annual fee. Check with a loan officer for further details.
VISA Credit Cards
Kent Credit Union offers two types of VISA cards:
Classic Visa
A Classic Visa requires no collateral and is unsecured.
Secured Visa
A Secured Visa requires a deposit equal to the amount of the credit line you are granted. For example, if you want a $500 credit line you must deposit $500 into a credit union savings account and have it held as collateral. A Secured Visa is typically used to establish or rebuild credit history.
Credit card companies often try to lure you to their low credit card rate offers. Sometimes those offers seem too good to be true, and they usually are! With a KCU Visa card, what you see is what you get. A low-rate Visa, no annual fee, and it’s accepted worldwide!
Click here to see detailed terms and conditions for Visa cards.
Apply Online for a Classic Visa
Apply Online for a Secured Visa
Click here to view the Cardholder Agreement that applies to your Visa Credit Card.
Your Visa card is now protected by “Verified by Visa”. It password protects your card for free when you shop online. The next time you shop on the web, you will see some new screens. Enter the information requested to activate your card and complete your transaction. It only takes a minute and then your Visa card will be fully protected. Log online at www.visa.com/shopverified to list participating stores for shopping on the web.
Has your Visa been lost or stolen? Click here for information
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