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Verified by Visa
Consumer Loans
Coosa Pines FCU offers great rates on a wide variety of loans. 
From automobiles to tractors, credit cards to jet-skis, chances are that we'll have the loan to suit your needs!
 
Apply for a credit union loan online, quickly and easily.  Log into free Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Sign up for Virtual Branch online.


Automobile Loans
Purchase
Coosa Pines FCU will finance the purchase of a new or used automobile with convenient repayment terms and great rates.  Finance your next vehicle at the credit union, online, or even right from the dealership!
 
Apply Online 
Log into free Virtual Branch home banking, select the Self Service tab, and choose the link Apply for a Loan in the Member Request window.  Sign up for Virtual Branch online.
  • Borrow up to 100% of Manufacturer's Suggested Retail Price (MSRP) on new vehicles, or NADA Adjusted Retail Value on used vehicles.
  • We offer low-cost Guaranteed Asset Protection (GAP) Insurance as well as Extended Vehicle Service Contracts specially discounted for members, and may include the cost of these services with the auto financing.
  • Get peace of mind with affordable Loan Protection Insurance to protect your investment in the event of disability or death.
GM Credit Union Member DiscountRefinance
The credit union also offers the refinancing of any existing auto loan you may have with another institution, such as a bank or finance company.
 
We may be able to:
  • Lower your rate
  • Reduce your monthly payment
  • Allow you to cash out equity in your vehicle for emergencies or repairs
NOTE: Proof of Insurance is required on all automobiles, new or used, financed by Coosa Pines FCU until such time as the loan is paid in full.  Certain restrictions apply.  Please contact a Loan Officer for details.
 
 
 
Let Coosa Pines FCU Show You the CARFAX
In order to offer our members greater peace of mind when purchasing a used automobile, CPFCU will automatically pull a CARFAX Vehicle History Report on all previously-owned vehicles purchased through private sellers and financed with the credit union. 
 
Members who want an electronic or printed copy of the report may purchase it from the
credit union for only $15.00.  That's over 50% off the regular CARFAX price of $34.99! 
 
Go to CARFAX.com
Purchasing through a dealership?  Not financing with the credit union?  No problem!  Contact a CPFCU Loan Officer to pull your CARFAX Vehicle History Report for the same discounted $15.00 fee. 
(You'll need the VIN, or Vehicle Identification Number*.)
 
CARFAX vehicle history reports include:
  • Accident Information
  • Service Record Information
  • Ownership History
  • Title Problems
*The VIN is located in a number of places on a car, but most commonly on the dashboard (seen through the windshield) and the driver's side door jamb sticker.  On some vehicles the VIN is also placed on the engine, hood, and other parts.  The VIN may also appear on car titles, insurance policies, service records and police reports for the vehicle.
 
 
 
 
Indirect Lending
We've teamed up with hundreds of automobile dealerships to make the car-buying process easier!
 
This innovative program through Credit Union Direct Lending (CUDL) allows members, as well as non-members who would like to join the credit union, to complete an auto loan while at the dealership!  Non-members can even join the credit union right from the dealership!
 
Buy - Sell - Shop AutoSMART: the one-stop shop for all you car buying AND selling needs. 
 
Download the free AutoSMART app to your iPhone or iPad and you can:
  • Find the dealers closest to you
  • Visit CUDL Auto SMART Now!Search through thousands of dealers' inventories
  • Get the latest ratings and reviews
  • Find out what your trade-in is worth
  • Sell your current automobile
  • And more!

Download the free App now!

NOTE: For more information, please contact a Loan Officer or visit a participating dealer.  Click here to search for Participating Dealers.  Visit the AutoSMART website.   
 
 
MEMBERS Auto & Homeowners Insurance
Protect Your Family's Investments with Auto and Homeowners Insurance
Specially Discounted for Coosa Pines FCU Members 
 
Please click here for more information.
 

Back to All Loan Products


Pre-Approved Loans
Pre-Approved Loans give you the advantage!
 
If you are thinking of buying a vehicle, your first call should be to your credit union! 
 
Contact a Loan Officer to get your pre-approval before you visit the dealer or shop online.  With financing out of the way and a clear budget, you maximize your bargaining power by becoming a “cash buyer”.  Pre-approval will give you the freedom to negotiate a purchase price from a position of strength, which means you can buy from the dealer offering the best value!  
 
Contact a Loan Officer today.  Or, apply online by logging into Virtual Branch, selecting the Self Service tab, and clicking on the link "Apply for a Loan" in the Member Request window.  Either way, you’re in control!
 
NOTE: Not all applications are approved.  Applicants must be eligible for membership.  Approval, rate and term will be determined by applicant’s credit worthiness.  Restrictions apply.  Contact a Loan Officer for complete details.

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Recreational and Mini-Recreational Vehicle Loans
Your ticket to fun and adventure comes at a great credit union rate!

Coosa Pines FCU offers competitive rates and terms on financing for new and used Recreational Vehicles and Mini-Recreational Vehicles such as motorcycles, personal watercraft, and ATVs.

Apply Online
Log into Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Don't have Virtual Branch?  Sign up online.

NOTE:  Proof of Insurance is required on all recreational vehicles, new or used, financed by Coosa Pines FCU until such time as the loan is paid in full.  Restrictions apply.  Contact a Loan Officer for more information.

Back to All Loan Products


Boat Loans
Hit the lake this season for fishing, skiing, or just splashing around! 
View our great loan rates and terms on loans for new and used boats, motors and trailers. 
 
Apply Online
When you've found the boat of your dreams, contact a Loan Officer or apply online through Virtual Branch home banking.  Log into Virtual Branch, select the Self Service tab, and click on the link "Apply for a Loan" in the Member Request window.  Sign up for Virtual Branch online.

NOTE:  Proof of Insurance is required on all boats, new or used, financed by Coosa Pines FCU until such time as the loan is paid in full.  Restrictions apply.

Back to All Loan Products


Farm Equipment
Convenient Terms and Competitive Rates
Whether you are in the market for a new or used tractor, baler, spreader, sprayer or disk, contact a Loan Officer at Coosa Pines FCU to arrange financing on convenient terms.
 
Apply Online
Log into free Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Don't have Virtual Branch?  Sign up online.

NOTE:  Proof of Insurance is required on all farm equipment, new or used, financed by  Coosa Pines FCU until such time as the loan is paid in full.  Restrictions apply.  Contact a Loan Officer for complete details.

Back to All Loan Products


Share and Share Certificate Secured Loans
Two of the Easiest and Most Affordable Loans Available
 
The Share Secured and Share Certificate Secured loans allow members to borrow against their own money by using the funds in the share account or a share certificate as collateral (or security) for the loan.  With loan amounts beginning as low as $300, this is also a popular way to build a positive credit history. 

The maximum loan amount for a Share Secured loan is determined by the funds available in the share account.  The maximum loan amount and term of a Share Certificate Secured loan are determined by the amount and term of the certificate. 

Apply Online
Log into free Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Don't have Virtual Branch?  Sign up online.

NOTE: Contact a Loan Officer for more information.  Restrictions apply.

Back to All Loan Products


Personal Loans
A Sensible Alternative to High-Interest Small Loans
 
Coosa Pines FCU makes Personal Loans to members for worthwhile purposes.  Also, at rates far lower than the small loan, payday advance, and title pawn companies, the credit union Personal Loan offers a sensible alternative in times of need.

NOTE: View our Loan Rates or contact a Loan Officer for details, or Apply Online through Virtual Branch.  Restrictions apply.

Back to All Loan Products


Personal Lines of Credit
Flexibility to Borrow the Money You Need, When You Need It

Once the Personal Line of Credit is open, members may borrow against it at any time by:
  • Calling or visiting any credit union employee to request an advance
  • Transfer through the free Virtual Branch online banking service
  • Transfer through the free Express Line automated telephone banking service
  • Transfer through the free Mobile Money mobile phone banking service
  • Receive convenience checks to access available credit
Apply Online
Log into free Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Don't have Virtual Branch?  Sign up online.
 
NOTE: For more information or to apply for your Line of Credit, contact a Loan Officer.  View our Loan Rates.  Restrictions apply.

Back to All Loan Products


VISA Credit Cards with UChoose Rewards
The Coosa Pines FCU VISA® Credit Card with UChoose Rewards 
Combine the value of VISA with the exceptional service of your credit union.

If you haven't made the switch to a Coosa Pines VISA® Credit Card with UChoose Rewards, now may be the perfect time to transfer your high-interest credit card balances to a credit union card!  With fixed rates as low as 9.95% APR2, generous credit limits and easy terms, the credit union credit card is a great value.  
 
The Coosa Pines FCU VISA Credit Card with UChoose Rewards features:
  • Easy UChoose Rewards1 for qualifying cardholders
  • No teaser rates and fixed rates as low as 9.95% APR2
  • No annual fee
  • No balance transfer fee
  • No cash advance fees or higher rates for cash advances
  • Friendly hometown service
  • Easy Online Access through Virtual Branch online banking 
  • Access Account Information by Phone at 1-866-539-8795
  • Accepted at millions of locations 
  • Great for Internet shopping
  • Convenience and ease of expense tracking
  • Generous credit limits
  • Verified by VISA program for added protection when shopping online
Get Your Preapproval Online
Log into free Virtual Branch home banking, select the Self Service tab, and choose the link "Apply for a Loan" in the Member Request window.  Don't have Virtual Branch?  Sign up online.
 
 
1Cardholder must register for UChoose Rewards at www.uchooserewards.com. Not all Coosa Pines FCU VISA cardholders will qualify for UChoose Rewards program. For details on the program, view our UChoose Rewards FAQs. 2APR=Annual Percentage Rate. The rate you will receive will be determined by your credit worthiness; rates currently range from 9.95% to 15.95% APR. Please contact a Loan Officer to inquire about your qualifying rate. Rates are subject to change without notice. Restrictions apply. For credit card tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Back to All Loan Products          To report a lost or stolen VISA, call 1-866-539-8795.

 
Verified by VISA
An Extra Layer of Security When Shopping Online
 
At Coosa Pines, your financial safety and security is top priority.  That's why we offer Verified by VISA -- a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.
 
How It Works
1.  Activate the Verified by VISA feature now.
Enroll your debit card in the Verified by VISA program now by using this link.  It's easy and only takes a few moments to activate your card.
 
2.  Or activate the Verified by VISA feature when shopping online.
If you haven't already done so, you'll be asked to activate the Verified by VISA feature during the checkout process while shopping online with a participating merchant.  You'll be asked a few simple questions to verify your identity, and then you'll create a Verified by VISA password.  
 
Here's what you'll see:
 
 
3.  Shop at participating online merchants and enjoy enhanced security.
Once your card is activated, your card number will be recognized whenever you shop at a participating Verified by VISA merchant.  You will enter your password in the Verified by VISA window, your identity will be verified, and the transaction will be completed. 
 
As a Verified by VISA activated cardholder, you can take advantage of special offers and discounts from participating online stores.  In stores that are not yet participating, your VISA card will continue to work as usual.
 

Back to All Loan Products          To report a lost or stolen VISA, call 1-866-539-8795.


Smart Option Student Loans
Private Student Loans

 

Now you can pay for college the smart way with three great repayment options and competitive interest rates!  The Coosa Pines Federal Credit Union* Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.  To learn more or to apply, please get started here.
 
Click Here to Get Started NowThe Smart Option Student Loan features and benefits:
 
♦ New interest rate type for Academic Year 2012-13.  We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.
 
♦ Borrow up to 100% of school certified education costs (minimum $1,000).
 
♦ Multiple in-school repayment options available.
         
♦ Borrower benefits available – like rewards and interest rate reductions.
 
♦ Rates that reward creditworthy borrowers.
 
♦ Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate.
 
♦ Fast Online Application.  Our easy-to-complete application takes about 15 minutes.  It's quick and easy.
 
♦ 24/7 online account management.  
*We are compensated for the referral of Smart Option Student Loan customers.
♦ No prepayment penalty.
 
To learn more or to apply, please get started here.
 




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