Construction Loans


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 interest rates are competitive to that of other financial institutions.

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 interest rate is just right - 3% more than the interest rate earned on Share Certificate or 5.50% more than the interest rate earned on Share Savings.