Auto, Home, & Personal Lending | Encompass Credit Union

Loan Application

Consumer Loans

Encompass Credit Union offers loans to meet all of your needs, from vehicles to debt consolidation. Rates and terms are subject to credit approval for all loans.

Auto

New and used, terms up to 72 months, purchase or refinance. Contact your local office to get a free vehicle valuation.

Recreation & Equipment

Boats, motorcycles, RVs, lawn equipment, golf carts, utility vehicles, and more…whatever you’re after, Encompass has a loan to fit your needs.

Personal

Signature, lines of credit, and share secured loans are available for small purchases, debt consolidation, vacation, expenses, or for whatever you need.

MasterCard® Credit Card

The only credit card you need. No annual fee, low fixed rate, some conditions, and exclusions map apply.

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Commercial/Agricultural Loans

Contact any loan officer for more information.

Are you Shopping for a Pre-Owned Auto?

Get a FREE CarFax Record Check, Lemon Check, Recall Check, and/or Problem Car Check, BEFORE you buy your next Pre-Owned Car! It's Fast and Easy. If a Record Check shows any "hits" you can purchase a full CarFax.

Participating Dealers

Save yourself time when arranging financing for that next vehicle purchase. The following dealerships will take your application and process the loan right at their location. Just tell them you want to finance through Encompass Credit Union.

Mortgage Loans

Encompass Credit Union offers a full array of mortgage options for you. Flexible terms, low closing costs, and local servicing are just a few features of our home product lines. Property insurance will be required for all mortgage options. All loans are subject to credit approval.

1st Mortgage

We offer both Fixed and Adjustable-rate 1st Mortgages with terms ranging from 10 to 30 years. With our Fixed-rate Mortgages, you will have the same rate for the life of the mortgage. With the Adjustable-Rate Mortgages, the rate will remain the same for a year, then is subject to change every one-year anniversary.

2nd Mortgage

With a 2nd Mortgage from Encompass, you can borrow against the equity in your home in one lump sum with no closing costs and terms up to 20 years. We offer both Fixed and Variable Rates. A Fixed-rate 2nd mortgage has the same rate for the life of the mortgage. A Variable-rate 2nd Mortgage rate is subject to change every month, based on the Wall Street Journal Prime Rate.

Home Equity Lines of Credit

A Home Equity Line of Credit from Encompass allows you to draw against the line of credit when you need it with no closing costs and no annual fee. They have a variable rate for the life of the loan, which is subject to change every month, based on the Wall Street Journal Prime Rate. There is a 10-year draw period, 10-year repayment period, and interest-only monthly payments during the draw period.

Construction Loans