Loans

Download the Loan Application HERE

Why Use the Credit Union for Your Loan Needs?

  • You, the borrower, benefit from competitive interest rates

  • Interest earned through loans benefits all members in quarterly dividends

Credit Reports

  • The credit union is required to obtain credit reports for all loans

  • Members will be provided with a copy of the credit report for their records

  • View our risk-based pricing notice here

  • Credit levels are defined as follows:

    • A Level = Credit Score above 700

    • B Level = Credit Score from 660 - 699

    • C Level = Credit Score from 620 - 659

    • D Level = Credit Score from 580 - 619

    • E Level = Credit Score below 580

Vehicle Loans

  • Vehicle loans are available for any of the following: boats, boat trailers, new autos, used autos, jet skis, motor homes, and any other “titled” item

  • Vehicle loans rates differ based on term of loan, credit rating and new/used status

New Titled Vehicles: Auto, Truck, and Motorcycle

  • A new car is defined as one untitled and obtained from a dealership. Otherwise, it will be considered a used car. A new car financed through another lender can be refinanced at Fort Ligonier Federal Credit Union 3 months after purchase, but not after 6 months.

  • The Loan amount may include purchase price, titles, taxes, fees, and any warranties built into the purchase price.

Used Titled Vehicles: Auto, Truck, and Motorcycle

  • The value of a trade-in/used vehicle will be determined by consulting the NADA value. In the event a borrower owes more than the value of the trade-in, a maximum loan of 10% above the value will be permitted. Any loan request above 10% will require Board approval.

  • The Treasurer/Board will not finance a loan above the documented value if the vehicle is more than ten years old.

Educational Loans

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  • Educational loans are available for members seeking higher education and/or parents seeking finances for their child’s education

  • Loans are available to all members, in good standing, using the above criteria

Signature Loans

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  • Signature loans are available up to $10,000 for qualified members

  • Rates and terms apply as indicated above

Payment Methods

  • For current employees of LVSD, payroll deduction (bi-monthly) is the preferred payment method (contact Sheri or Robin)

  • ACH transfers (monthly only) can be arranged upon request (contact Robin)

  • Checks can be mailed to FLFCU, P.O. Box 832, Ligonier, PA  15658



*APR: All interest rates are quoted as Annual Percentage Rates. Rates are subject to change without notice. The Board of Directors reserves the right to deny or approve loans to anyone.  The Fort Ligonier Federal Credit Union does not discriminate based on race, religion, age, gender or national origin.