Bethex Federal Credit Union helps to make your lending experience quick and confidential. We offer a variety of loan products, both secure and unsecured, with competitive rates, and flexible terms.
MORTGAGES
We offer pre-qualification, custom rates and expert advice to guide you through the home loan process. Whether you are purchasing a home or refinancing your current loan, our quick online application begins the process.
BUSINESS LOANS
We offer a variety of Small Business Administration (SBA) loans at the prevailing rates and free counseling. Borrowers must maintain a business account with Bethex. Start ups are welcome! Quick Book training is available.
STUDENT LOAN
Bethex FCU in partnership with SallieMae is happy to offer The Smart Option Student Loan that offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans. Click here for more information.
VEHICLE LOANS
Great fixed rates available on new, used and refinanced vehicle loans. Rates are dependent on the year of the car and can be as low as 4.5%.
CONSUMER (PERSONAL) LOANS
Loans up to $10,000 are available. All first time borrowers must have a co-signer. Loans require a pledge equal to 15% of the amount granted (or approved).
To apply for a consumer loan, you will need an ID, phone bill, 2 consecutive paycheck stubs, other proof of income, or recent public assistance budget letter and your completed application. We require the same information for your cosigner.
VISA CREDIT CARD
0% Balance Transfer for the first six months plus earn reward points with every purchase. Annual Percentage Rate for purchase as low as 8% APR. Unsecured and secured cards are available from $300 to $10,000.
- To enroll your credit card on paperless statement click here
- To check your credit card online click here
- To check/redeem your reward points click here
GOAL SAVER LOANS
Borrowed funds are deposited directly into your Bethex account and remain frozen until they are repaid. This loan is great to help you save and build your credit rating and it also offers a great rate of 5% APR.
SECURED LOANS
4% APR—It is done with your own money. This loan helps you save and build your credit. No credit report required and minimal paperwork.
LINES OF CREDIT
Consumers can apply for overdraft protection to cover checks. Business lines of credit are also available. Individuals can apply for amounts sufficient to meet their needs.
