Consumer Loan Products

Choose a link below
for a Consumer Loan Product that best suits your lifestyle...

AUTO: New and Used Automobile Loans
OTHER: Personal Loans | Secured Savings & Term Certificate Loans | Credit Life/Disability Insurance | Gap

Maybe You CAN Have It Now
When you do not have the cash on hand for important purchases such as a new car, kitchen appliances, a tuition payment or that vacation you have been longing for, First Citizens' can help.

We offer a wide variety of loan options with convenient ways to apply for your loan. One of them is sure to be right for you.

Apply for your loan by phone at 800-642-7515 or in person at any one of our branches.

to complete your secure online application.

Prompt Approval
Immediate approval in most cases if certain criteria are met, or a decision will be made within one (1) business hour of the credit union receiving your completed consumer loan application. Arrange for your loan closing at a branch nearest you.

Have Questions? Just call, visit or e-mail us. Ask to speak to one of our Member Service Representatives, after all...that is why we are here.

to contact us by email.

Automobile Loans*
First Citizens' offers low-cost financing designed to meet your individual needs, whether you are shopping for a new car, truck, van, or refinancing your existing vehicle. Our competitive fixed rates, flexible terms and personalized service will make your auto buying experience a pleasurable one. A pre-approved vehicle loan from First Citizens' gives you the "cash" in hand to increase your bargaining power. Ask us about our 100% financing automobile plans, then drive off in the car of your dreams!

Personal Loans*
First Citizens' offers personal unsecured loans. Use the money for any expenses, bill consolidation, major appliance purchases, furniture, vacations, or for any other worthwhile purpose. The choice is yours.

Secured Savings & Term Certificate Loans*
You work hard to save for your future, do not withdraw your money, use it as collateral and establish a credit history to purchase the things you need. Best of all, your money continues to earn dividends for you during the repayment term of your loan.

Credit Life / Disability Insurance*
Peace of mind is important, protect your family from the unexpected. Credit Life & Disability Insurance is available to all qualified borrowers. And the premiums can be included in your monthly payment for your convenience.

GAP (Guaranteed Asset Protection)*
If your vehicle is totaled or stolen, your primary insurance company settlement can be significantly less then the outstanding loan or lease balance. This may create a deficiency balance or "gap" resulting in a financial hardship for repayment. GAP is designed to relieve you of the responsibility for the remainder of the loan or lease balance that their primary insurance carrier does not cover. GAP is low cost protection that will eliminate your out of pocket expense for the remaining loan balance after a loss settlement and will help protect your credit rating.

*Note: Terms, loan amounts, products and programs, are subject to revision/discontinuance without notice.

Consumer Services

Consumer Loan Products