Budget Worksheets/Credit Score Information

Equal Housing Lender

Virtual Branch is the “next generation” of HFS, our current internet banking service.

Consumer Loans

Vehicle Loans

Cardinal Community Credit Union offers auto lending. We offer loans for new and used cars and trucks with terms as long as 72 months! Your interest rate is determined by your credit score and other credit qualifications. Click Here to View Consumer Loan Rates

Apply for an auto loan in person, online by accessing the online Loan Application, by completing and mailing a Loan Application from our Loan Brochure or Take Flight, our quarterly Newsletter.

Members and potential members may also apply “on the spot” at our select dealer partners:

Classic Auto Group-All locations

Honda of Mentor

Village Chrysler Dodge

Nassief-All locations

Adventure Chrylser Jeep

Deacon's Chrysler Jeep

Ganley East

Junction Auto

Junction Buick

New Auto Loans

A new auto is considered new if it has never been previously titled. Cardinal Community may offer new auto financing for certain dealer program cars.

Click Here to View Consumer Loan Rates

Used Auto Loans

Used autos may be financed at low rates and with terms as long as 72 months. Newer used vehicles may be financed based on year, make, model and condition.

Click Here to View Consumer Loan Rates

Recreational Vehicles

Recreational Vehicles include: Motorcycles, Motorboats and Personal Watercraft, ATVs, Truck Campers, Travel Trailers, Snowmobiles.

Share Secured Loans

We offer loans using your savings account funds at Cardinal Community. Check our Rates page for details.

Signature Loans & Signature Lines-of-Credit

You may borrow a fixed amount on your signature for smaller purchases, debt consolidation or to finance a vacation. A Signature Line-of-Credit is also available, which offers an open line to withdraw funds as needed. The maximum amount of these loans is $10,000 per person. Check our Rates page for details.

Student Loans: Cardinal Partners With Sallie Mae

Cardinal has partnered with the leader in education lending to provide our members with student loan solutions. Save money with the Smart Option Student Loan®.

Sallie Mae

By paying fixed monthly payments of just $25 while in school and adhering to the shorter repayment period, you can save more than $6,000 and pay off your loan up to 5 years faster than a traditional 15-year payment deferred private student loan. With the deferred repayment option there is no minimum payment required until after school.

1. The Smart Option Student Loan is an ideal solution for funding up to 100% of your total cost of attendance if you still need funds after maximizing grants, scholarships and federal loans.

2. Apply with a creditworthy cosigner, their good credit may lower your interest rate and save you even more money.

3. There are three repayment options available:

Interest Repayment Option- Full interest payments while in school
Fixed Repayment Option - $25 per month payments while in school
Deferred Repayment Option - No minimum payment required until after school

Applying is easy and can be done online. Click here to apply.

Visa Card

Cardinal Community Credit Union offers a Visa Card with great benefits. In addition to earning rewards, the card has interest rates as low as 7.99% APR* and No Annual Fee!

Many bank credit cards offer Rewards points. However, your credit union CURewards program offers much more. Every time you use your credit card, you'll earn points that can be redeemed for travel, merchandise, or loan rate reductions. The other cards will only let you redeem points for one of the three.

Travel Rewards
Earn just 25,000 Points, and you could redeem them for an airline ticket to anywhere in the continental United States. With just 33,000 points, you could take an exciting cruise. Points can also be redeemed for car rentals, hotel stays, and other travel needs.

To claim a travel reward, simply call 800-900-6160, toll-free. And when you book travel reservations through the CURewards travel agency, remember to use your credit card for additional travel needs, and you'll earn double CURewards points!

Merchandise Rewards
CURewards has 12 outstanding levels of quality name brand products, with more than 500 items to choose from. Examples include:

Items for your home, such as tools and appliances
Merchandise for work, such as briefcases and organizers
Travel-related items, such as luggage and camping gear
Recreational and entertainment items, such as sports equipment and electronics.

Once you've found the reward you want, just complete the redemption form and send it in. You'll receive your reward within four to six weeks.

Design Your Own Card
For a fee of $15 you customize your Cardinal Community Credit Union Visa Card by uploading a personal custom image or choosing one from a catalog of distinct images. All images must be approved and cannot be logo infringements. Click the link below to get started.

Click here to design your own Cardinal Visa Card

Click here to apply.

*Rates subject to change without notice. Call for current rates. Other interest rates andterms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This advertisement is not an offer of credit.

Need a Car Loan? Save Money, Time and Hassle with Pre-Approval from Cardinal Community!

Just as with any loan, a successful car loan application depends largely on the three C’s

CREDIT: Potential applicants must be able to demonstrate a history of responsible fiscal management. This is illustrated by a history of paying bills in a timely manner, limiting debt and following a saving and spending plan. It’s a good idea to get a copy of your credit report before you apply for a car loan. You’ll have a better idea of where you stand and what sort of terms you should expect.

CAPACITY: Capacity addresses the question of ability to repay the loan. You must be able to demonstrate that you have sufficient income to repay the loan and meet your current financial obligations. If it appears that you will be overextended with the loan payments you are unlikely to get the loan. We will consider income from employment as well as secondary income from sources such as child support and alimony payments.

COLLATERAL: Lenders are generally more comfortable with highly liquid assets that can be recovered in the event of default. In this instance, your car will serve as collateral. If you default on the loan, or become unable to pay, the lender will repossess the car.

There are a number of ways to complete an application when you are ready to apply for a car loan. You may choose to talk with a member Service Representative or Loan Officer who can take your information via phone or in person. You can also choose to complete your application via the Internet. Plan ahead so that you won’t have to fumble for required information, such as gross income amount, account numbers, co-applicant information, if applicable, etc. In most cases you can expect a decision within one business day (some exceptions apply).

Pre-approval for a car loan is not simply about getting a dollar figure; it is also about smart planning. When you plan ahead, rather than just showing up at the dealership:

You already know your price range.
You know what cars are available in your price range.
You have considered how your payments and maintenance costs fit into your budget.
You understand how much you can expect to spend over the life of the loan.
You avoid pre-payment penalties imposed with some dealer financing plans.

There are innumerable benefits to obtaining a Pre-Approved car loan before you visit the dealer. Not the least of these is the haggling you skip. Pre-approved car loans help you put the ball in your court by allowing you to take charge of your car buying dollars.

Online Consumer Loan Application

Online Consumer Loan Application-Click Here.

Consumer Loan Calculators

Consumer Loan Calculators-Click Here.