If you are interested in a loan, please contact Wendy or Brittany at (570) 825-8150.
Loans are processed by pre-scheduled appointment in our Wilkes-Barre office, and in many cases you can leave with the check! Hazleton appointments are also sometimes available with prior notice, or you may fill out an application in Hazleton to be sent back up to Wilkes-Barre. Please note that if you do not include or bring proof of income (i.e. a recent paystub), you will experience delay and/or denial of your application.
Rates are subject to change without notice. Last updated: 10/2/25.
Skip-A-Pay Form (send to: P.O. Box 1234, Wilkes-Barre, PA 18703)
Home Equity Loan Application: Cover Sheet, Application (legal-size)
All Other Loans: Application (return with proof of income)
REGULAR LOAN RATES
SIGNATURE LOANS:
| 12 months | 6.9% |
| 24 months | 7.9% |
| 36 months | 8.9% |
| 48 months | 9.9% |
| 60 months | 10.5% |
Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
SHARE SECURED LOANS:
100% Share Secured:
| 24 Months & Under | 2.25% |
| 25-36 Months | 2.75% |
| 37-48 Months | 3.25% |
| 49-60 Months | 3.5% |
| 61-72 Months | 3.75% |
| 73-78 Months | 3.99% |
| 79-84 Months (loans $35,000 and up) | 4.25% |
| 85-108 Months (loans $50,000 and up) | 4.50% |
| 109-120 Months (loans $50,000 and up) | 4.75% |
| 121-144 Months (loans $50,000 and up) | 4.99% |
Share secured loans of $25,000 or more may be share secured home equity loans if desired. Deed copy and title search will be required. A $100 processing fee will be required for a share secured home equity loan.
50% Share Secured:
| 24 Months & Under | 4.99% |
| 25-36 Months | 5.75% |
| 37-48 Months | 6.9% |
| 49-60 Months | 7.9% |
VEHICLE LOANS:
2026, 2025 (with mileage under 20,000)
Maximum loan:
Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used)
Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used)
Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used)
| 24 Months & Under | 4.50% |
| 36 Months | 4.75% |
| 48 Months | 5.00% |
| 60 Months | 5.25% |
| 72 Months | 5.50% |
| 78 Months | 5.75% |
| 84 Months (loans $35,000+) | 6.25% |
2025 (mileage above 20,000), 2024, 2023
Maximum loan:
Credit score under 700: 95% of NADA retail value
Credit score 700+: 100% of NADA retail value
| 24 Months & Under | 4.75% |
| 36 Months | 5.00% |
| 48 Months | 5.25% |
| 60 Months | 5.50% |
| 72 Months | 5.75% |
2022, 2021, 2020
Maximum loan of 90% NADA retail value.
| 24 Months & Under | 5.25% |
| 36 Months | 5.50% |
| 48 Months | 5.75% |
| 60 Months (2022 only) | 6.25% |
2019, 2018, 2017
Vehicle must have book value of at least $7,000 to qualify.
Maximum loan of 85% NADA retail value.
| 24 Months & Under | 5.75% |
| 36 Months | 6.50% |
| 48 Months (2019 only) | 7.50% |
2016, 2015
Vehicle must have book value of at least $6,000 and 30 day warranty or guarantee to qualify.
Mileage must not exceed 125,000.
Maximum loan of 85% NADA retail value.
| 24 Months & Under | 6.99% |
| 36 Months | 7.99% |
HOME EQUITY LOANS:
Minimum loan of $15,000
| TERM | 1ST POSITION | 2ND POSITION |
| 60 Months | 4.75% | 4.99% |
| 72 Months | 4.99% | 5.25% |
| 84-108 Months | 5.50% | 5.75% |
| 120 Months | 5.75% | 5.99% |
| 132-144 Months | 5.99% | 6.25% |
| 156-180 Months | 6.50% | 6.75% |
Home Equity Loan Application Fees: (based amount of new money taken)
Under $20,000: $300 with appraisal / $100 without appraisal
$20,000-29,999: $200 with appraisal / $75 without appraisal
$30,000-49,999: $150 with appraisal / $50 without appraisal
$50,000 and up: $100 with appraisal / Free without appraisal
No fees will apply for balloon rewrites where no new money is being loaned.
A new appraisal is required if the one on file is over 5 years old. There are no additional closing costs. Please note that home equity processing time usually averages around a month if an appraisal is required. If you need a quicker turnaround time, you may choose a “rush appraisal” for an additional $200 fee for a closing in approximately 10-15 business days.
Existing Balloon Loans:
For our members with existing balloon loans currently in process, lower rates may apply if you are refinancing without taking additional funds. If new money is taken at the time of balloon refinance, an application fee will be charged if a new appraisal is required and the rate will change to the rate currently in force for the term that you choose.
All loan rates listed are APRs (Annual Percentage Rates).
Loan Policies:
- Applicants must have regular shares on deposit equal to 10% of the loan or $200.00, whichever is less, before the loan may be disbursed.
- Share secured, vehicle, and home equity loans are available to a member immediately upon joining. Signature loans require a waiting period of 60 days of membership if the member’s credit score is below 700.
- SIGNATURE LOANS: Loan limits are set based upon income and credit score. A co-maker may be required.
- VEHICLE LOANS: All individuals on the vehicle title must sign the loan agreement.
- Boats, mobile homes, or motorcycles are not acceptable as vehicle loans.
- “R” (reconstructed) or water/flooded title vehicles must be no more than 3 years old and the maximum loan will be 50% of NADA retail value. No salvage title vehicles are acceptable. Classic cars will be considered on a case-by-case basis.
- We do not add on to value based on low mileage, but a value deduction for high mileage may apply.
- Gap insurance is required when borrowing more than 70% of the value of the car. This is a one-time charge of $300 which may be added into the loan amount.
- HOME EQUITY LOANS: All individuals on the deed must sign loan documents. Application fees may apply based on the amount of funds requested (see Rates page). The Credit Union must be the first OR second mortgagee for all home equity loans, so you may wish to pay off an existing mortgage or mortgages.
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