Loan Specials
Unsecured / Personal Loans
We offer unsecured loans for any reason!
- Flexible repayment terms available
- $15,000 maximum per qualified borrower
- Life and disability insurance available
- To view our current rates, click here
New and Used Vehicles
New and Used Automobile
- Flexible repayment terms available
- 100% financing available
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- We will match most competitors loan rates
- To view our current rates, click here
New & Used Motorcycle
- Flexible repayment terms available
- 100% financing available
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- We will match most competitors loan rates
- To view our current rates, click here
Antique/Classic Vehicle
- Flexible repayment terms available
- Finance up to 90% of the purchase price or appraised value
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- We will match most competitors loan rates
- To view our current rates, click here
Gap Insurance Protection - The Smart & Affordable Choice to Protect your Valuable Investment
- Gives you peace of mind by avoiding financial uncertainty after a traumatic loss
- Allows for a "clean slate" when financing your next purchase
- Protects your investment
- The cost can be added to your loan
Visa Credit Card
- NO annual fee
- NO cash advance fee
- NO balance transfer fee
- Life and disability insurance available
- Earn reward points for travel or merchandise with each purchase you make.
- To view our current rates, click here
Visa Credit Card Application
Credit Card Solicitation and Application Disclosure
Credit Card Credit Insurance Application
Start earning reward points with every purchase you make!
Clarence Community & Schools Federal Credit Union now offers a Platinum VISA Credit Card to all qualifying members.
The interest rate is as low as 8.99% apr*, with a 5 day grace period.
Remember, No Annual Fee and No Fee for Balance Transfer or Cash Advances!! If you have a credit card somewhere else, you may be paying too much interest – call us today and start saving money!!
*APR = annual percentage rate.
Buying is better when paying is fast and secure
Clarence Community and Schools Federal Credit Union simplifies online shopping with
Enroll in Visa Checkout
For a Lost/Stolen Debit Card, please call the Credit Union Office at 1716-630-0888 if during open hours.
If after hours please call 1-888-241-2510.
Please call the Credit Union at 1-716-630-088 and leave a message as well.
Home Equity Line of Credit (HELOC)
- NO Closing Costs*
- Finance up to 85% of the equity in your home. **
- Variable Rates, adjusting annually***
- Repayment term of 15 years. Draw on your line anytime within the first 10 years of your plan
- Life and Disability Insurance available
- No Monthly Fees
- Tax Deductible****
- To view our current rates, click here
- To download a Home Equity Worksheet, click here
- Home Equity Early Disclosure
Please call (716) 630-0888 or visit us at 9145 Sheridan Drive to apply today!
*The closing costs paid by North Towns FCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity line is paid in full within three (3) years of the loan opening date. Closing costs generally total between $800 and $3,000.
**Calculated by multiplying the appraised value by 85%, less the remaining balance on your first mortgage.
***The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Wall Street Journal. Interest and payments adjust annually on the 1st day of September. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 4.00% at any time during the plan. Rates may vary from those quoted and listed based on your credit history.
****Please consult a tax advisor regarding deductibility of interest.
Recreational Vehicles
New and Used RVs
- Flexible repayment terms available
- 100% financing available
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- To view our current rates, click here
New and Used Boat
- Flexible repayment terms available
- 100% financing available
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- To view our current rates, click here
Snowmobiles, ATVs, Jet Skis, and outside equipment loans
- Flexible repayment terms available
- 100% financing available
- Life and disability insurance available
- GAP insurance is also available. Charge to the borrower for the GAP waiver is $200.00.
- To view our current rates, click here
Gap Insurance Protection - The Smart & Affordable Choice to Protect your Valuable Investment
- Gives you peace of mind by avoiding financial uncertainty after a traumatic loss
- Allows for a "clean slate" when financing your next purchase
- Protects your investment
- The cost can be added to your loan
Share Pledged Loan
- Use your regular share account or Share Certificate as collateral for a Share Pledged Loan!
- You'll receive a LOW rate on your loan while your savings account continues to earn dividends!
- To view our current rates, click here
This is a perfect way to establish new credit or to re-establish credit at a low rate.
Credit Builder
The Credit Builder Loan was created to help you build a good credit rating or repair bad credit. A good credit history is vital to your financial health. But how can you build one if you have experienced poor payment history or have no credit history at all?
Credit Builder is a combination loan and savings program that may help you establish a good payment history which is an important step in building a higher credit score.
Here's how it works:
- Borrow from $500 - $1,000 for 1 year
- The money you borrow is then placed in your credit union account and frozen for the duration of your loan
- You make monthly principal and interest payments to repay the amount you borrow and when you make your final payment, the funds will be released so you can withdraw or leave them in your account
- By the end of the Credit Builder Loan, you should see an improved credit score (based on your payment history*) and you’ll have a jump start on savings!
- Low fixed interest rate
- To view our current rates, click here
Call (716) 630-0888 to speak with a loan representative today!
*Results not guaranteed. Improvement in credit score is dependent on your specific situation and financial behavior.
Credit Score
Your Credit Score is the Key to YOUR Financial Life.
To learn more about your credit score, click here
Skip-a-Pay
What is our Skip-A-Pay Program and how does it work?
North Towns Federal Credit Union’s Skip-A-Pay Program allows you to skip up to two monthly payments per calendar year on certain loans. Those payments are then added to the end of your loan term. The purpose of the Skip-A-Payment Program is to permit you to have use of your funds in times of need by deferring a payment and extending your loan.
Is the Skip-A-Pay Program right for me and when should I use it?
We highly recommend you use this program only when you face a hardship such as a loss of job, loss of income, unexpected bills or to meet the financial needs of an emergency situation. We do not recommend using it as a tool to have extra cash.
What loans are eligible for skips?
The Skip-A-Pay Program is available for most consumer installment loans, like vehicle loans and personal loans that are current and in good standing. Skip-A-Pay is not available on loans secured by real estate or VISA credit cards.
Is there a fee?
Yes, there is a $30 fee per skipped payment.
How does participating in the Skip-A-Pay program affect my loan?
The skipped months will be added to the end of your loan, extending the loan term. Interest will continue to accrue during skipped months, and will make up most or all of the next month’s payment.
How often can I skip a payment?
As long as you continue to be eligible, you may skip any eligible loan up to two times in a calendar year subject to approval. Once two skips are utilized, you must wait until the new calendar year before being eligible to reapply.
What if I have Credit Life, Disability and/or GAP coverage on my loan?
Your loan may still be eligible to skip; however, any credit life, disability and/or GAP coverage on a given loan does not extend beyond the original maturity date.
How can I participate?
To participate in the program, call a member service or loan representative at 716-630-0888 or download the Skip-a-Payment form below. Once complete, please return it along with the $30 fee to the credit union office for processing. Please use a separate coupon for each loan to be skipped.
Use Skip-A-Pay when you face a hardship such as a loss of job, loss of income, unexpected bills or to meet the financial needs of an emergency situation.
Download the skip a pay formSee fee schedule