Loans

Personal Loans

A personal loan means you get to choose! Take a trip to the Bahamas, get the new iPad or cover unexpected expenses. With fast approval and low rates, you’ll be fully satisfied with your personal loan from Interstate. Whether you visit, apply online or call, we can approve you quickly!

One-Payment Loans

Small, short-term loans that don’t require monthly payments.

Personal Line of Credit

A Personal Line of Credit Loan allows members with strong credit histories to have access to a specified amount of cash whenever needed without having to apply each time for a loan. This loan can also be used to cover overdrafts for a member’s checking account. Use some cash now, and some later.

Share Secured Loans

Use the money in your account as loan collateral.

Home Loans

Home Equity Line of Credit (HELOC) – Allows members to transform your homes’ equity into a line of credit to consolidate debt, make home improvements, pay education expenses or to satisfy a variety of financing needs. Flexible terms and rates.

Mortgage Loans- Let us help you move into the home of your dreams or refinance your existing home.

Construction Loans- Let us help you construct your dream home into reality.

Land Loans- We can lend and refinance on acreage, with competitive rates and terms.
Have more questions? Need help deciding what product fits your needs? Our Mortgage Loan
department is here to help, you may call or come by any of our local branches.

To find a Mortgage Loan Originator, click here!

Auto Loans

Interstate offers great rates on new and used Cars, Trucks, RVs/Campers, ATVs, Boats, Motorcycles, and more. Experience great service and flexibility with varying rates and terms including:

Low rates
Fast Approval
Refinancing available
GAP & Extended Warranty Plans
Payroll Deduction, Automatic Payments

Dealer Connect Lending

Enjoy the convenience of shopping for your new or used automobile and finance your credit union loan right at the dealership. In four easy steps you will be driving away in your new vehicle.

Go shopping at any participating dealership for the car, truck, van or SUV you want to purchase, and make your best deal.
Tell the Dealer you’re an Interstate Credit Union member or would like to become a member.
Complete the loan application and the Dealer will take care of the paperwork.
Upon approval, drive away in your new vehicle.

Choose from a participating dealer listed below (alphabetically) and discover the convenience of financing with the credit union directly from the dealership!

Credit Cards

Mastercard® Credit Card

Interstate’s Mastercard® offers convenience, buying power and affordability.
Report a Lost or Stolen Card | Activate a Card | Customer Service Call 1-855-574-1511
Card holders can enjoy these great benefits:

No Annual Fee
No Transaction Fees on Purchases
Earn Rewards with uChoose Rewards
24-hour lost/stolen card reporting
Pay Bill Online
View Balance/Transactions Online

Other Disclosures: Credit Card Disclosure and Agreement

* Qualification is based on an assessment of creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
** Current and complete Credit Card Agreement and disclosures can be obtained by calling 912-427-3904.

How We Calculate Your Balance: We use a method called “average daily balance (including new transactions).”