Loans Meeting your life goals may require a little financial help. State Central offers a wide range of loans to assist you in making those goals a reality. Whether you're purchasing a house, buying a car, improving your home, going to school or consolidating debt, State Central can provide you with competitive rates, flexible terms and sound advice on the best loan for the job. Add a State Central checking account and enjoy even better rates on many of State Central's loans!   Mortgage Loans Whether you are buying your first home, building a new home or refinancing the one you already have, State Central can help with a variety of fixed and adjustable rate loans to suit almost every financial situation. Preapprovals are completely free, and you can trust State Central's experienced, knowledgeable staff to give you the sound mortgage loan advice you need Learn More  |  Check Loan Rates  |  Apply Now     Vehicle Loans Loans are available for both new and used vehicles. Terms can range from 24 to 60 months, depending upon the year of the vehicle; several downpayment choices are available. Buying an RV, motorcycle or boat? State Central has loans for these, too! Learn More  |  Check Loan Rates  |  Apply Now     Home Equity Loans Use the equity you have accumulated in your home to finance home improvement projects, major purchases or to consolidate high credit card payments! State Central offers fixed-rate loans (3, 5 and 10 year terms) and variable rate lines-of-credit. You may also be able to deduct the interest paid on your home equity loan from your income taxes. Learn More  |  Check Loan Rates  |  Apply Now     Central Access Card Make your variable rate home equity line-of-credit even more convenient with the Central Access Card! Pay for purchases directly from your loan without withdrawing cash or writing a check. Use wherever VISA is accepted. Learn More     Personal Loans If you're looking to borrow $10,000 or less, a State Central personal loan may be right for you. Choose between a fixed-rate (12 to 48 month terms are available, depending upon the amount borrowed) or variable rate line-of-credit loan. Personal line-of-credit loans can also be used as overdraft protection on a State Central Free or Conventional Checking account. For members who have an established State Central savings account, Equal Shares Loans are also available. Learn More  |  Check Loan Rates  |  Apply Now     Student Loans The recently enacted Health Care and Education Affordability Reconciliation Act of 2010 (H.R. 4872), eliminates the Federal Family Educational Loan (FFEL) Program on July 1, 2010. Effective June 30, 2010, State Central Credit Union is no longer funding new applications for student loans through the Federal Family Educational Loan Program. Contact your school's financial aid office for more information on securing federal student loans. For questions or service related to an existing Federal Family Educational Loan secured through State Central Credit Union, contact Great Lakes at 1-800-236-4300 or click the Great Lakes Higher Education Corporation logo below.       Back To Top