Loans

Loan Options

Credit Cards

VISA® Platinum Credit Cards are now being offered by the HMSA Employees' Federal Credit Union. Please view the VISA® Platinum Application and Solicitation Disclosure prior to completing the application. 

Call or visit our credit union for more details.

Personal Loans

These loans are based on your approved credit. Up to $25,000.00 is available for qualified borrowers, co-borrowers, or guarantors.

Car Loans

Your new or used car is used as collateral for these loans. 100% financing is available for the purchase of new and used cars. Search for your new vehicle here!

Motorcycle Loans

Finance the purchase of new and used motorcycles. 100% financing is available.

Education Loans

These loans can finance tuition needs for you and your family.

Share-Secured Loans

These loans let you borrow dollar-for-dollar against your credit union shares, and because your shares guarantee your loan, you simply need to maintain your account balance equal to the unpaid balance of your loan.

50% Share-Secured Loans

With these loans, you use your shares to secure half of the amount you borrow. The other half is based on your approved credit.

Line of Credit Loans

Like revolving credit cards, these loans provide up to $5,000.00 in check or cash for any purpose up to your pre-approved limit. Interest is charged only on the money you use.

Line of Credit — Cover Check

Loans to cover checks drawn on your HMSAEFCU Checking Account. The credit limit is $500.00.

Home Equity Line of Credit Loans

You may be able to use a portion of your accumulated equity in your home to secure these loans. Owner occupant only and allowed borrowing up to $200,000.00.
Please note: The HELOC application is different than the one listed above.

Use the online calculator to figure out your monthly payment based on amount borrowed, length of term and interest rate.
Web Based Auto Loan Calculator >
Web Based Home Equity Loan Calculator >
Web Based Personal Loan Calculator >
Loan Afford Calculator >