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LOAN PRODUCTS


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Loans

Home Loans

First Mortgage Loans and Refinances – GEICO FCU can help you find the best mortgage for your budget. Fixed- and adjustable-rate loans are available with terms up to 30 years, including jumbo loans, interest only loans and loans with no points and below-market origination fees. These loans can be used for new home purchases or for refinancing your current home. Contact us online for an application packet.
APPLY: 
Printable Application

Home Equity Line of Credit — Use your home’s equity to create a line of credit for funding home improvements, education expenses or any major purchase, with no closing costs.* A Visa¨ Platinum card and checks are provided for easy access to your funds, and your interest payments may be tax-deductible. (Consult your tax adviser.) Contact us online for an application packet.
APPLY:  Printable Application

*The Credit Union will pay closing costs. To qualify, the initial advance must be $10,000 or more and remain open for 24 months. If the balance is zero within 24 months of the open date, the closing costs must be reimbursed by borrower(s) and may be added to your account. State/city transfer taxes paid by borrower at closing. Closing costs do not include application fee, flood certificate fee, and home value or appraisal fee. Certain restrictions apply. Home Equity Loans available in MD, DC, VA, WV, NY, CA, FL and GA.

Second Trust (Home Equity) Loans – This loan features a low fixed rate, fixed monthly payments and a no closing costs option.* This loan is ideal for large, one-time expenses, and your interest payments may be tax-deductible. (For more information, consult your tax adviser.) Contact us online for an application packet.
APPLY: 
Printable Application

*The Credit Union will pay closing costs. To qualify, the loan amount must be $10,000 or more and remain open for 24 months. If the balance is zero within 24 months of the open date, the closing costs must be reimbursed by borrower(s) and may be added to your account. State/city transfer taxes paid by borrower at closing. Closing costs do not include application fee, flood certificate fee, and home value or appraisal fee. Certain restrictions apply. Home Equity Loans available in MD, DC, VA, WV, NY, CA, FL and GA.

Home Improvement Loans  — Our Home Improvement Loan can be used to finance alterations, remodeling or structural renovations to a home. Contact us online for an application packet.
APPLY:  Printable Application | Online Application (Members Only)

 

Auto Loans (New/Used Autos & RVs)

New/Used Auto Loans — We offer up to 100% financing on new vehicles, including tax and tags, for up to 84 months.* Used vehicle loans are available for up to 72 months. We finance up to 100% of the retail value, subject to approval. Contact us online for an application packet. 
APPLY:  Printable Application | Online Application (Members Only)

*84-month term only for new vehicle loans of $30,000 or more.

Auto Refinances – Refinance a high-rate auto loan from another lender to lower your annual percentage rate, reduce monthly payments and extend your loan term. Current-year models with less than 12,000 miles qualify for new vehicle loan rates. Contact us online for an application packet.
APPLY:  Printable Application | Online Application (Members Only)

Other Vehicle Loans – We provide budget-friendly rates and flexible terms on recreational vehicles. We can even finance new/used boats and motorcycles. Contact us online for an application packet. 
APPLY:  Printable Application | Online Application (Members Only)

Auto Equity Loans — Use the equity in your home to secure this low, fixed-rate loan that permits you to buy the new or used car you want, up to 6 years old, or to pay off an existing auto loan.* This loan may allow you to take a tax deduction on your auto loan interest payments and may be a great way to reduce your taxable income. Flexible terms are available, and interest payments may be tax deductible. (Consult your tax adviser for details.) Contact us online for an application packet. 
APPLY:  Printable Application | Online Application (Members Only)

*The Credit Union will pay closing costs. To qualify, the initial advance must be $10,000 or more and remain open for 24 months. If the balance is zero within 24 months of the open date, the closing costs must be reimbursed by borrower(s) and may be added to your account. State/city transfer taxes paid by borrower at closing. Closing costs do not include application fee, flood certificate fee, and home value or appraisal fee. Certain restrictions apply. Home Equity Loans available in MD, DC, VA, WV, NY, CA, FL and GA.

Consumer Loans

Personal/Debt Consolidation - This low-cost loan can be used for any purpose, such as vacations, minor home improvements, debt consolidation and more. Borrow up to $15,000 at competitive rates. Contact us online for an application packet.
APPLY:  Printable Application | Online Application (Members Only)

Computer Loans – Get the latest technology at low rates and flexible terms. Contact us online for an application packet. 
APPLY:  Printable Application | Online Application (Members Only)

Student Services Package – This package is ideal for a student's or young adult's* expenses and saves you money on fees. It has a no-fee, no minimum balance checking account with an ATM Card, free access to GEICO FCU's Online Banking and Audio Response telephone banking services, and the ability to make easy automatic transfers of funds from your account to your young adult's account. Also, it features a MasterCard® Classic Credit Card**, an Overdraft Line of Credit**, a Visa® Check Card*** that doubles as an ATM card for ATMs with the STAR®, PLUS®, THE EXCHANGE® or Visa logo, and more! Contact us online for an application packet.
APPLY:  Printable Application | Online Application (Members Only)

*Young adult must be between the ages of 16 to 26. Parent or guardian is required as joint account owner. Eligibility for these services based on parent's or guardian's creditworthiness. **Applicants under 21 years of age require a co-signer for the MasterCard Classic Credit Card or the Overdraft Line of Credit. Loan is subject to approval. Minimum age of 18 is required to apply for the MasterCard Classic Credit Card or the Overdraft Line of Credit. ***Minimum age of 18 is required to obtain a Visa Check Card.

MasterCard Credit Cards – We offer MasterCard Secured, MasterCard Classic and MasterCard Gold credit cards with low fixed rates and no annual fees. You can also get cash advances or transfer balances on other high-rate credit cards to a GEICO FCU MasterCard to save hundreds in interest payments.
APPLY: 
Printable Application

Overdraft Line of Credit – This personal line of credit also doubles as overdraft protection for your GEICO FCU checking account. This line of credit is ideal for emergencies and unexpected expenses, and saves you money on returned check charges in the event of an accidental overdraft. Call 1-800-542-7896 for an application packet.
APPLY: 
Printable Application | Online Application (Members Only)

Share Account/Certificate Secured Loans – Use the funds in your share account or your share certificates as collateral for the loan. This loan features a low rate and flexible terms. Contact us online for an application packet.
APPLY:  Printable Application | Online Application (Members Only)

 

Loan Services

GEICO FCU has several services to make handling your loan easier and less time consuming:

Loan Pre-approvals – Shopping for a new home or auto with a pre-approved loan can save you money. Knowing that your loan is already approved gives you greater bargaining power.
APPLY:  Printable Application | Online Application (Members Only).

Credit Card Account Information – Monitor your MasterCard with this convenient online service. View your account balance, latest transactions and payment information.

CLICK HERE TO REVIEW YOUR CREDIT CARD ACCOUNT AND PAYMENT INFO

Payroll Deduction – Have your loan payments automatically deducted from your paycheck. We offer a .25% discount for all loans repaid by payroll deduction.* This service can also be used to pay off monthly utility bills, automatically.

*Excludes MasterCard, Real Estate Secured Loans, Share Secured Loans, and Single Payment Loans.

Loans-By-Phone – Apply for your loan* from the convenience of your home or office, 24/7. Check your loan application’s status, estimate a loan payment, obtain a loan payoff amount and more! Call 800-331-9835.

*Excludes MasterCards and Real Estate Secured Loans.

Online Loan Applications – Visit the Applications section of our website for a loan application.

 

 

 

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