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New and Used Auto

Whether you’re looking to buy a new or used car, there’s a SNIFCU auto loan to fit your needs.

Interested in refinancing your current loan? With our competitive rates, you might be able to lower your monthly payments or pay off your loan more quickly.

Whether it’s used or new, simple or fully loaded – we have a loan that’s right for you.

Great low rates for new, used, and refinanced auto loans.

Personal Loans

A personal loan means you get to choose – take a trip, grab that new iPad, or cover unexpected expenses. With fast approval and rates lower than a credit card, your personal loan is just a phone call away.

Funds can be used for anything from consolidating credit card debt, going on a vacation, or covering unexpected expenses

Personal loans are a good option when you don't have collateral to borrow against.

Share Secured

Do you have a large expense coming up? Would you usually pay it out of your savings or from a large check such as your tax return? With the Share Secured Loan you can spend money and earn money at the same time.

The Share Secured Loan uses the money in your Share (savings) account as security for your loan and you can borrow up to the amount you have in your Share account. It is a convenient way to build or repair your credit without paying a high interest rate.

Benefits of the Share Secured loan:

  • Low Interest Rate
  • Build or repair your credit
  • You continue to earn dividends on your secured savings
  • Fast decision
  • Option for payroll deduction


  • Minimum monthly payment of $100
  • Minimum loan of $500
  • Maximum loan of $50,000
  • Not to exceed 120 months
  • Must be 18 years or older
  • Loan payments made more than 5 days after the due date will be charges a late fee of $25.

Credit Builder

Not everyone has a perfect credit history – or maybe you have little or no credit history at all. At the SNIFCU, we have a loan that allow you to build or rebuild your credit. Contact a loan officer today to discuss our credit builder loan.

ConsumerSafe Debt Protection

The SNIFCU offers low cost payment protection that may be purchased for consumer loans. We protect our members and their families by providing debt protection in the case of death, disability, or involuntary unemployment, with this option.

ConsumerSafe Debt Protection allows peace-of-mind by allowing borrowers to protect their credit during uncertain times.


  • Protect your credit
  • Low cost
  • Easy application process
  • Additional peace of mind
  • Cancel any time

You may cancel ConsumerSafe Debt Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

A benefit for you

We’ve designed our ConsumerSafe Debt Protection program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. ConsumerSafe Debt Protection provides an important sense of financial security — knowing your loan will not become a burden in times of hardship. Please consult with one of our representatives to discuss our ConsumerSafe Debt Protection program in more detail.