For All Your Needs and Wants
- STE has the Right Loan for You!

STE Credit Union offers a wide variety of lending products packaged for convenience, value, and personal attention. No matter what your need (or want), we have the right loan for you! We can also easily refinance your current loan from another financial institution so you can take advantage of all the cost-savings and features we offer. For current rates, check out our rate board. You can easily calculate your payment by using our current rates and our loan calculators.

Types of Loans

Our loans come standard with the following features:

  • Low rates
  • Rate match available
  • No prepayment penalties
  • Skip a payment feature available
  • Flexible payment options
  • Electronic access to balances and transaction history
  • Easy application process - phone, fax, in person, online
  • Pre-approval option
  • Protection Products available

Lending Extras

SMARTPHONE LOANS: You'll see the same secure loan application pages optimized for smartphones. Now you can easily apply for a loan wherever it's convenient for you.
The next time you apply for a loan just visit our website and click on the "Apply for a loan" link in the Member Quick links section of the home page. Click the "View in Mobile" text and you are ready to apply.

PRE-APPROVAL SERVICE: Take the time and hassle out of buying. We can pre-approve you for a loan and you'll have the comfort of knowing your financing has been taken care of.

PROTECTION PACKAGES1: Prepare yourself for the unexpected with these low cost insurance products:

  • Disability Insurance - Pays your loan payment in the event of disability. Our insurance is less expensive and provides better protection than many of those offered by other finance companies.
  • Credit Life Insurance - Pays your loan in full in the event of death.
  • GAP Insurance - If you are in an accident and your insurer considers your vehicle a complete loss this extremely low cost insurance will pay the difference between the fair market value and your loan balance. Plus, you'll get an extra $1,000 towards the purchase of your next vehicle if you finance with us!

RATE MATCHING2: We put our low rates to the test. If you find a better rate, we'll match that rate up to 1% off our lowest rate.

SKIP A PAYMENT FEATURE3: Unexpected expenses happen in life and you may not always have the money to pay for them. With our unique Skip-a-Payment feature, you can skip a monthly payment and use that money for whatever you want.

For more information and terms and conditions of any of the above services, contact our office.

EQUAL OPPORTUNITY LENDER

1 Contact our office for current pricing and terms and conditions.
2 Rate Match: Documentation of competitor pricing required. We will rate match by lowering our rate up to 1% off our current rate.
3 Applies only to closed end, fixed term loans. Loan must be more than 60 days old, must be current and with no history of delinquency over 30 days. A processing fee is required for each loan that is skipped. Payment will be added to the end of the loan term. Interest will continue to accrue during the period when the payment is skipped.

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