Loans


Borrowing from your credit union has many benefits. First, our loan rates are generally lower than those obtained elsewhere. You have the convenience of writing your loan to skip July and August payments each year if you wish. Further, your credit union loan is insured against permanent disability or death at no cost to you (some restrictions apply.) You may also insure your loan for temporary disability at minimal cost. Please call the office for information on our latest loan promotions.

Loans may be repaid via payroll deduction, automatic transfer from savings or draft accounts, or by mailing your payment to the office.

Loans*
     • Share Secured Loans
     • Unsecured (Signature)
     • New and Used Automobiles
     • Transfer Auto Loans
     • Motorcycle, Boat and Trailer Loans
     • Program Vehicle Loans
     • Primary Mortgages
    • Home Equity Fixed Rate
     • Home Equity Variable Rate Line-of-Credit
     • Education Loans
          • Student Loans
          • Parent Loans
          • Consolidation Loans
     • VISA Credit Cards
     • VISA Check Cards
     • Promotional Loan Specials
*Permanent disability and death insurance available.  Certain restrictions apply.


Loan Calculator


How to Apply
Complete all information.  We will contact you to obtain further information necessary in order to continue the loan process.  Unless complete contact information is provided your application process may be delayed.

Provide proof of all income (pay stub, rental income, child support, social security)
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Payment Protection
Single Credit Disability     None

Check desired coverage. The credit union will disclose the cost of this voluntary insurance to you. A separate insurance election which discloses the terms & conditions must be signed for coverage to become effective.

Loan to be repaid in
Months
Type of Application
Individual    Joint
Purpose of loan
Amount Requesting
Name
Number of Dependants
(Exclude Self)
Account Number
Home Phone #
- -
Work Phone #
- -
Email Address
Address

Own or Rent
Own    Rent
Years There/Monthly Rent/Mtg. Pmt.
Previous Address (If less than 5 years)
Own or Rent
Own    Rent
Years There
Complete for joint credit, or secured credit
Married    Separated    Unmarried
Your Employer's Name

Employer's address

or shop Number

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Supervisor
Occupation
Start Date
Gross Income
per
Week    Month    Year
# of hours worked per week
Other income
per
Week    Month    Year
Source

Previous Employer's Name & address if employed less than 5 years

Starting Date
Ending Date
Nearest relative not living with you?
Relationship
Home Phone
- -

Their address 

Other Reference
Relationship
Home Phone
- -

Their address 

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Co-Applicant - If Applicable
Name
Number of Dependents
(Exclude Self)
Account Number
Home Phone #
- -
Work Phone #
- -
Email Address
Address
Own or Rent
Own    Rent
Years There/Monthly Rent/Mtg. Pmt.
Previous Address (If less than 5 years)
Own or Rent
Own    Rent
Years There
Complete for joint credit, secured credit
Married    Separated    Unmarried
Your Employer's Name

Employer's address

or shop Number

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Supervisor
Occupation
Start Date
Gross Income
per
Week    Month    Year
# of hours worked per week
Other income
per
Week    Month    Year
Source

Previous Employer's Name & address if employed less than 5 years

Starting Date
Ending Date
Nearest relative not living with you?
 
Relationship
Home Phone
- -

Their address 

Other Reference
 
Relationship
Home Phone
- -

Their address 

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What You Owe Creditor Name Other Than This Credit Union Interest Balance Payment Owed By  
Applicant Other
Rent or
First Mortgage
2nd Mortgage
1st Auto Loan
2nd Auto Loan
Child Care
Child Support
Credit Card
Credit Card
Other
Other

What You Own  List Location of Property or Financial Institution  Market Value   Pledged as collateral   Owned By
Yes No Applicant Other
Home
Auto
Savings
Checking
Other

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Other Information About You Applicant
 Other
Yes No Yes No
Are you a U.S. Citizen or Permanent Resident Alien?
Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under chapter 13, had property foreclosed upon or repossessed in the last 7 years, or been a party in a lawsuit?
Is your income likely to decline in the new two years?
Are you a co-maker, co-signer, or guarantor on any loan not listed above?
    For whom (Name of others obligated on loans)
    To whom (Name of creditor)

You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.

Do you agree with these conditions? Applicant
yes
Do you agree with these conditions? Co Applicant (If Applicable)
yes

By submitting this application, I authorize Kenmore Teachers Federal Credit Union to verify my employment and payroll information.
Credit Union Use Only:  
Approved ____________________ Limit $ _______________________
Denied ______________________ Counter-Offer ___________________________________
Comments ____________________________________________________________________________
Date________________________ Loan Officer ____________________________________