Consumer Loans

Find a Loan that Suits Your Needs. Chivaho offers flexible terms and competitive rates on financing for a variety of consumer loans; plus all decisions are made locally. Chivaho’s consumer loans are tailor-made for all types of financial needs. With our help, you choose the loan that is right for you.

 Not a member yet?  Becoming a Credit Union member is quick and easy just stop in and we will take care of the rest. (Membership based on eligibility)



The holidays can be super-expensive. Before you start swiping the plastic for it all,  consider a personal loan from Chivaho FCU. The application process is quick and you don’t need flawless credit to get a good rate. We also offer fantastic terms, with interest rates as low as 2.99% APR.

  • Borrow up to $3,500.00
  • Terms up to 24 months
  • Fixed rates as low as 2.99% APR

*Subject to credit approval.  Credit score must be 600 or higher, you may be approved for lesser amounts than requested, All rates are subject to change at any time.  This offer may end at any time without prior notice.



There's nothing quite like the excitement of a remodel -  transforming your familiar space into something fresh, new and full of life.  Chivaho's home renovation loan can help you pay for a remodeling project for your existing  home.

  • Loan amounts up to $25,000*
  • Terms up to 72 months
  • Fixed rates as low as 6.99% APR
  • No collateral required
  • Contractor estimates or copy of supply lists less than 60 days old are required
  • Copy of property deed - All names on the deed must be on the loan.

*Subject to credit approval.  Credit score must be 650 or higher, you may be approved for lesser amounts than requested, All rates are subject to change at any time.  This offer may end at any time without prior notice.



When you need extra cash Chivaho can help!       

  • Borrow up to $15,000 – restrictions apply
  • For up to 48 months
  • Competitive rates


Here for you loan

 If you need some extra cash to help pay for things like kids braces, hearing aids or tires for your car, Chivaho wants to do everything we can to help.  The Here for You Loan* offers up to $3,500 as low as 2.50% APR for 24 months no collateral required.    Apply on line, by phone or in person.  

*based on approval    *offer can end without notice  *$3500.00 @ 2.50% =  24 payments of $149.65.  Lesser amounts available.  

Line of Credit

Comes in handy when unexpected expenses occur

  • Fixed rate of 9.90% APR and only pay interest on what you use
  • Revolving credit limits of up to $15,000 - Limits based on credit qualification
  • Low monthly payments of $35.00 or 4% of limit
  • Use funds as your need them
  • Transfer to savings and/or checking using our online or mobile banking
  • Access without re-applying


Savings/Certificate Secured

A share secured loan allows you to borrow against your savings at a lower interest rate, while earning interest on your savings balance.

  • 2% APY dividend rate


New and Used Auto

  • Our members enjoy the same rate when purchasing a new or used auto
  • Get pre-approved before you go to the dealership and increase your bargaining power
  • Flexible rates and terms
  • Lower your existing payment and rate
  • Use the payment calculator to estimate monthly payment by simply entering the loan amount, term and interest


Recreational Vehicles

  • Chivaho’s low rates make it easy to afford a new or used camper, boat, motorcycle, all-terrain vehicle, personal


CU Cruzin’

  • Have no credit or past credit problems
  • In need of primary transportation
  • Borrow $1,500 – $15,000 at a fixed rate of 18% APR
  • $25 application fee
  • Program restrictions apply


VISA Platinum Credit Cards

When you sign up for a Chivaho Visa Platinum Card you'll be rewarded with no annual fee and low introductory interest rates.

  • Introductory Rate 3.99% APR for the first 12 months 9.90% APR after
  • Balance Transfer 3.99% APR for the life of the transfer balance
  • ScoreCard Rewards is a rewards program offering points for qualifying purchases:
  • World wide access to your credit line
  • Personal service from your Credit Union