Consumer Loans
Purchase:
Maximize your car-buying power with credit union guided and consumer informed purchases packaged with competitive rates. Whether you're buying from a dealership or individual, we will make your purchase easy.
Our easy online Loan Application provides you with quick approval.
KEE Federal Credit Union offers lending staff that are creative and make decisions based on our member’s needs. We strive to fit your loan to your lifestyle and budget.
Refinance:
Refinance and save!
Bring your current loan to KEE Federal for low rates and a great money-saving opportunity. Your refinance will put you on your way to lowering your monthly payments. Plus, there's no refinance charge.
KEE Federal Credit Union offers extra piece of mind.
Credit Disability and Life, Guaranteed Asset Protection and Auto Extended Warranty products are available thru KEE Federal Credit Union at often a largely reduced price compared to the Auto Dealership products. Ask a lending officer for more information.
**Particular loan terms are approved based on credit worthiness. Upon credit application specific loan terms will be discussed.
Relationship advantages:
Your loan may qualify for discounted rates if you actively use a KEE Federal Credit Union Checking account, and authorize an automatic payment transfer for additional interest rate savings.
We may use the term "Whatever floats your boat", but that is what we finance. Here at KEE Federal Credit Union, know that there are many hobbies and interests in our area. We can finance them; it may be a motorcycle, camper, boat, jet ski, horse trailer, 4 wheeler... The list can go on.
We are happy to finance it. With flexible loan terms and great rates, you can hit the weekend doing what you like the best.
** Particular terms are approved based on credit worthiness, upon credit application specific loan terms will be discussed. The item being financed will be required to have full coverage collateral insurance, and have a Nebraska Certificate of Title.
Relationship advantages:
Your loan may qualify for discounted rates if you actively use a KEE Federal Credit Union Checking account, and authorize an automatic payment transfer for additional interest rate savings.
GAP Plus is also available for boats, motorcycles and recreational vehicles.
KEE Federal Credit Union offers Signature loans to our members. A signature loan is simply an agreement by your signature that you agree and guarantee that you will repay the loan. Another term is a personal loan.
**The maximum amount of a signature loan per member is $5000. These particular loan terms are approved based on credit worthiness. Upon credit application specific loan terms will be discussed.
Relationship advantages:
Your loan may qualify for discounted rates if you actively use a KEE Federal Credit Union Checking account and authorize an automatic payment transfer for additional interest rate savings.
KEE Federal Credit Union offers Line of Credit loans to our members. The Line of Credit is a revolving account that provides you with flexibly to borrow and repay with reasonable monthly payments.
A Line of Credit can also be attached to your KEE Federal Credit Union Checking account, to allow instant funds to be available when you may have that low balance in your checking account.
**The maximum amount of signature loan per member is $5000 based on credit worthiness.
Additional Loans
Share Secured / Pledged Fund Loans
Pay yourself back...
A share secured loan is a loan that you borrow against your savings account at KEE Federal Credit Union. It can be used for unlimited purposes, while still earning interest on your deposit, and flexible repayment terms.
Have you ever found yourself with a large bill requiring payment now? You have money in the savings account but you don’t want to deplete it. Simple, borrow against your savings account.
A share secured loan is also a way to begin good payment history for a high school or college student. Retain your savings funds, and pledge them for the student to payback, earning good credit, and teaching them responsibility and money skills. And the interest the student will repay is minimal to earn that good credit rating.
** Up to 100% of your savings can be borrowed
** No fees
Credit Builder Loans
Establish credit one step at a time.
How The Credit Builder Works:
First Step, First Loan:
You may qualify for $200 - $500.
You will pay the loan back in a six-month time schedule. It is very important to make timely payments. We recommend you do not pay the loan off early. It takes at least six months of solid
payment history to begin establishing credit. By doing so, you have made the first positive step!
Second Step, Second Loan:
You may qualify for $600-$1000, after you pay back the first loan according to the guidelines established above. You will have a repayment term of up to one year. Once again it is very important that you make timely payments, and we recommend that you do not pay the loan off early. You will be on the way to having a great credit history!
Third Step and Beyond...
After you have completed step one and step two of the Credit Builder Program, you should be on the road to a positive credit history. You may be ready for another personal loan, a reserve line of credit or maybe even a car loan. You should now be able to borrow for most of the things you need.
Remember to look to the credit union first for all your borrowing needs. We will be a resource when you have questions or need advice.
Use the Loan Application.
** Upon credit application specific loan terms will be discussed.
We report to Equifax and TransUnion Credit Bureaus to contribute your credit rating.
Calculator
Have you wondered how much a monthly loan payment will be? Use this Loan Calculator to get an estimate based on the amount of the loan, interest rate, time of the loan and the amount borrowed.
You can also make an appointment with a Financial Services Representative at either the Kearney or Lexington KEE Federal Credit locations to find out more about our current interest rates, types of loans and finding a payment within your budget.