Personal Loans
Consolidate Debt
A personal loan from Kerr County Federal Credit Union can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation, or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events. Personal loans from Kerr County Federal Credit Union come with low interest rates, fast processing, and convenient repayment terms, as well as efficient, personalized service.
Auto Loans
Shopping for a new or used car or truck? You’ve already got plenty to think about: Makes, models, optional equipment, colors, and so on. When it comes to financing, make it easy on yourself with an auto loan from Kerr County Federal Credit Union. We have loans available for new and used cars and trucks. Our loans feature competitive interest rates and the kind of efficient, personalized service that only your credit union can provide.
Recreational Vehicle Loans
Ready to add to your leisure-time fun with a boat, personal watercraft, or motor home? Let Kerr County Federal Credit Union help you finance those dreams. We offer loans on new and used recreational vehicles. All our loans come with competitive interest rates and efficient, personalized service. When it’s time to stop dreaming and hit the road or the water, come to Kerr County Federal Credit Union for your recreational vehicle financing needs!
Share Secured Loans
With a Kerr County Federal Credit Union share secured loan, your deposit in a Kerr County Federal Credit Union share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you’ll even continue to earn dividends on your savings!
VISA® Credit Cards
At Kerr County Federal Credit Union, we offer the VISA® Classic Credit Card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Kerr County Federal Credit Union VISA® Card.
You’ll enjoy the following benefits:
No annual fee
Fixed rates
25-day grace period
No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
Free travel and accident insurance
Optional life and disability insurance available at low rates
*APR = Annual Percentage Rate
| The Plan That Works For You | VISA® Classic |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 10.50% |
| APR for Balance Transfers | 10.50% |
| APR for Cash Advances | 10.50% |
| How to Avoid Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases, balance transfers or cash advances if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | VISA® Classic |
|---|---|
| Transactions Fees - Balance Transfer Fee - Foreign Transaction Fee | NONE 1.00% of each transaction in U.S. dollars |
| Penalty Fees - Late Payment Fee - Returned Payment Fee | Up to $20.00 Up to $20.00 |
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)." See your account agreement for more information.