Consumer Loans

Whatever your money needs are, Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) has loans for you at great competitive rates. You can calculate your loan rate with our nifty Loan Calculator or check out our fantastic Consumer Loan Rates where you can also Apply Online.

Personal Loans (Unsecured)

Fixed Rate Personal Loan

A fixed rate unsecured loan. The loan may be used for any purpose. On approved credit, members may borrow from $500 to $20,000 for a maximum term of 3 years.

Fixed Rate Personal Line of Credit

A fixed rate, unsecured loan. This loan may also be used as an overdraft protection on the member's Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) checking account. On approved credit, members are eligible for a Line of Credit of $500 to $20,000. The minimum advance is $100.

Other Secured Loans

You can borrow against your savings accounts or against term share accounts that are on deposit at the Credit Union, while continuing to earn interest.

Variable Rate Savings Secured Loan

A variable rate loan that is secured by funds on deposit in the member's Primary Savings Account. The loan may be used for any purpose. Members may borrow up to 90% of their available savings balance for up to 5 years. The minimum loan is $300.

Fixed Rate Term Share Certificate Loan

A fixed rate loan secured by funds on deposit in the member's Term Share Certificate Account. The loan may be used for any purpose. Members may borrow up to 90% of the certificate available balance. The minimum loan is $300.

VISA

Visa Classic

The Visa Classic is a fixed rate credit card. On approved credit, members may have a credit limit of $500 to $5,000. The monthly payment is 2% of the amount owed with a minimum payment of $20. The Visa Classic has no cash advance fee and no annual fee. There is a 25 day grace period on purchases only. Cardholders have $200,000 in travel insurance.

Visa Gold

The Visa Gold is a fixed rate credit card. On approved credit, members may have a credit limit of $2,000 to $20,000. The monthly payment is 2% of the amount owed with a minimum payment of $20. The Visa Gold has no cash advance fee and no annual fee. There is a 25 day grace period on purchases only. Cardholders have $500,000 in travel insurance.

Visa Platinum

The Visa Platinum is a fixed rate credit card. On approved credit, members may have a credit limit of $5,000 to $35,000. The monthly payment is 2% of the amount owed with a minimum payment of $20. The Visa Platinum has no cash advance fee and no annual fee. There is a 25 day grace period on purchases only. Cardholders have $500,000 in travel insurance, auto rental insurance, medical and legal referral service, pre-trip assistance, emergency ticket replacement, lost luggage assistance and more...

Savings Secured Visa Classic

The Savings Secured Visa Classic is a fixed rate credit card secured by a savings account. Members may have a credit limit of $500 to $10,000. The monthly payment is 2% of the amount owed with a minimum payment of $20. The Savings Secured Visa Classic has no cash advance fee and no annual fee. There is a 25 day grace period on purchases only. Cardholders have $200,000 in travel insurance.

Fresh Start Savings Secured Visa

The Fresh Start Savings Secured Visa Classic is a fixed rate credit card secured by a savings account. This credit card is for members who have experienced previous credit problems. Members may have a credit limit of $500 to $5,000. Cardholders have $200,000 in travel insurance. The Fresh Start Savings Secured Visa has no cash advance fee. There is a low annual fee.