Smart Start Loans

The Smart Start loan is designed to help 18-25 year olds establish a credit history and good financial practices. To qualify you must be:

• High school graduates, or those students who did not graduate from college or trade school.
• Graduates of college or trade school, even those who haven't started working.*

Depending on your job and credit history, you may need a co-signer. However, your loan and/or credit card will be issued in your name so you can start building a credit rating.

*Certain conditions apply.

• No Cash Down Auto Loans
  If you qualify for a Smart Start Auto Loan, the credit union waives the down payment. We also offer 100%, 48-month financing on new, late-model, or used autos.
  
  
• No Fee MasterCard®
  It’s our lowest rate credit card and, there’s no annual fee for the first year! (After the first year, the annual fee is $12.) Smart Starters begin with a $1,000 credit line, and no co-signer is required.
  
  
• Total Financing To Buy A Personal Computer
  Smart Starters are eligible for 100% financing (including sales tax) to purchase a personal computer.
  
  

If you don’t qualify now for a credit card or loan, you may still join Smart Start and get an Entry or VISA® Check Card. Either one can be used to make deposits or withdrawals, cash checks, or make other transactions at any of the credit union’s offices or at ATMs nationwide.

Proof of employment and salary is required. Applies to auto, computer, and MasterCard only.

Loan approvals subject to standard credit requirements.