Products & Services
Credit Cards & Loans
- Credit Cards
- Vehicle Loans
- Credit Union Vehicles For Sale
- Recreational Vehicle Loans
- Consumer Loans
- Home Mortgage Loans
- Home Equity Loan
Whatever your plans, PLUS4 offers a full-range of loan products for a variety of purposes. Plus4 gives you a better way to borrow money and simplifies the whole process to save you time and money. For your convenience, we take loan applications 24-hours a day through our 24-Hour-Loan-By-Phone system or you can apply right here online. When it comes to helping you reach your financial goals, Plus4 is ready with the right loan opportunity for you.
PLUS4 is an equal opportunity lender.
Credit Cards
We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Click the link below to learn more and apply online.
Online account access provides the quickest and easiest way to:
- Activate your credit card
- Make payments
- Transfer balances
- Request statements
- And much more
Once you receive your credit card, simply access your account by clicking on the link below.
Vehicles
Opportunities Made For Your Changing Needs
If you're thinking about purchasing a New or Used Vehicle, PLUS4 will help give you the best financial options available. Plus4 loans offer a distinct advantage over dealer financing with low rates, simple interest calculations and no prepayment penalties. Both New and Used Auto Loans are offered with your choice of terms and 100% financing is available to qualified borrowers. Even if you've already financed a vehicle elsewhere, you can still save money by refinancing it at a lower rate with Plus4 Credit Union. Plus4 will negotiate rates. If you find a more competitive interest rate, give us a call.
- Up to 100 percent financing, including tax, title, license, and extended service contracts available for new and used vehicles
- Credit life and disability insurance is available
Credit Union Vehicles For Sale
You don't have to drive all over town to find a great vehicle, you can find one right at your credit union! Plus4 is eager to sell it's repossessed vehicles. You can view current vehicles on our website. And because your purchasing directly from your credit union, you get a great deal on a vehicle from a source you can trust. View pictures and learn more about our vehicles for sale now.
Giving You The Freedom To Play
Are you planning to hit the road and travel the open highways or ride the waves at your favorite vacation spots? If the purchase of a Recreational Vehicle is in your future, let us help you make your purchase a pleasant and enjoyable experience.
- Normally we finance up to 80 percent of the value of a recreational vehicle
- Credit life and disability insurance is available
Turn to us for convenience, use our 24-Hour Lending Center to apply for your loan today. Simply call 1-800-621-6752 or 713-970-6200 option 5 or complete a secure on-line Loan Application. Loan approvals are good for 60 days.
Consumer Loans
Peace of Mind is Yours To Have
Take advantage of Plus4's Credit Union Line of Credit/Overdraft Protection Loans. This convenient loan serves as overdraft protection for your checking account as well as a pre-approved limit for all those unexpected emergencies. The line of credit can be used for any purpose. Once you are approved for a Line of Credit, there is no more paper work. Simply access your LOC when the need arises.
- Qualified members may open a credit line with a pre-determined limit
- Gain easy access to your line of credit by using Teller Line, the phone center, Plus4 owned ATM's, E-Access online account access, or stop by your nearest credit union office.
- Enjoy overdraft protection into your checking account
- Credit life and disability insurance is available
The Purchasing Power You Need For Everything Else
With a PLUS4 Signature Loan we provide you the means to borrow money when you're not pledging collateral. The interest rate is slightly higher for a Signature Loan than other consumer loans, but our rates are competitive to that of other financial institutions.- Signature loans have a fixed rate
- Credit life and disability insurance is available
Borrow and Keep Your Nest Egg
Share Secured/Certificate Secured Loan is a loan using a Share Savings Account or Share Certificate as collateral (IRA's not eligible).
- Loan amount can be up to 90% of Share Certificate account balance or 100% of the available balance in the Share Account.
- Loan term can be up to 48 months with a balloon payment
- The rate is just right- 2% more than the rate earned on Share Certificate or 3.50% more than the rate earned on Share Savings
Home Mortgage Loans
We can help you get into the home of your dreams…
Is there a smart, simple way to get a mortgage with competitive pricing, professional assistance, hassle-free processing and fast approval?
Yes! Our mortgage service can give you answers to all your mortgage questions. Whether you are looking to purchase a home or would like to refinance your existing mortgage, our mortgage service has the solutions you need. And you can shop for your new home with confidence.
Approved to Move
Designed to give you the confidence of a cash buyer, a mortgage pre-approval program eliminates the anxiety of finding your dream home, and then waiting and worrying to see if you are approved. Getting a pre-approval gets 80% of your processing done before you find a home. You can begin house hunting with confidence, knowing exactly how much home you can afford. With a commitment to lend, you improve your bargaining position when submitting a purchase offer. What a way to impress a seller!
Where Do I Begin?
Our mortgage service makes it easy for you to apply for a mortgage or just talk to an experienced loan specialist about your mortgage options. You may apply by phone, in person, online or through the mail. For more information about applying, contact Norma Stephens with SWBC Mortgage at 800.460.6990.
Home Equity Loans
A Home Equity Loan From Plus4 Will Have You Seeing Green
In need of extra cash? Don’t look any further than your own home. With a Plus4 Home Equity Loan, we realize our members have dreams and desires that extend beyond that traditional kitchen remodeling. With our low interest Home Equity Loan option, it’s just the ticket to help you finance that major purchase, college tuition, debt consolidation, home improvement and much more. For additional information or to apply for a loan, contact a Plus4 Representative at 713-970-6200.
Plus, there are no application fees, no points and we’ll even pay customary closing cost
