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Loans

Auto Link - The New Way to Buy a Car

New & Used Vehicle Loans

Shopping for a new or used vehicle can be tricky and even a little tiring. Our loan officers can help make the buying process simple an easy.

  • Flexible loan terms up to from 24 months 72 months; and up to 84 months for loans over $35,000.
  • Great Rates and Up to 100% Financing 
  • Low-cost insurance such as Guaranteed Auto Protection (GAP), Credit Life & Disability and Extended Warranties
  • Easy payment with payroll deduction or transfer payment online

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Auto Refinance

Paying too much money each month on vehicle loans? Did you reach a deal with a good price and found a financing option that only sounded great at the time? Don’t worry… It is never too late to Let BRECO FCU help you by refinancing your vehicle loan at a lower rate! from another institution at the credit union.

  • Lower your rate (minimum rates and normal credit criteria apply.)
  • Easy loan payment through payroll deduction or direct deposit or transfer payment online
  • All we need to refinance your vehicle is: a copy of your registration, and the financial institution and account number of where the loan is. It’s that easy!

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All loan policies, rates and terms are subject to change and all loan requests are subject to approval.

Home Equity Loan / Home Equity Line of Credit

Use the equity in your home to make your home improvement dreams a reality! Or finance school tuition, purchase a new car, take a vacation or consolidate your bills. Whatever your needs, you'll enjoy easy access to your available funds and benefit from our fixed rate home equity loan.

  • 80% Financing!*
  • Rates as low as 3.95% APR*
  • Flexible Terms up to 15 years

*Home Equity loan fixed rates determined on term and credit history. Home Equity Line Of Credit loan variable rate determined on term and credit history.  80% financing up to the appraised value less 1st mortgage. To refinance existing BRECO Home Equity loan, must receive $10,000.00 in new funds. Subject to normal underwriting standards. APR=Annual Percentage Rate. Member NCUA. Equal Housing Lender.

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Recreational Vehicle Loans

Whether you need a ride for the water, a ride for the woods, a ride to travel and see the world or even a ride on your own lawn tractor, we can help!

New & Used Boat, 4-Wheelers, Jet Skis, and Lawn Tractors

  • Up to 100% financing for New; 80% for Used
  • Flexible loan terms
  • Easy payment with payroll deduction, direct deposit or transfer payment online

New Motor Homes and Travel Trailers

  • Up to 100% financing for New; 80% for Used
  • Flexible loan terms
  • Discounts for pre-approved applications
  • Easy payment with payroll deduction, direct deposit or transfer payment online

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Land Loans

Buying a piece of land for an investment or to build your new home is always a good investment but can be a bit time consuming with paperwork. Our loan officers at Breco FCU can make this time a pleasant one.

  • Up to 80% loan to value financing
  • Flexible Terms up to 15 years
  • Easy payment with payroll deduction, direct deposit or transfer payment online

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Mortgage Loans

BRECO… is now Your Home for Home Mortgage Loans: You can count on BRECO to provide you with great financial services such as Free Checking, Savings accounts, Auto loans, Free Home Banking, Free Bill Pay and Home Equity Loans. Now we're your single source for 1st Mtg. financing as well. Through our new relationship with CU Members, a leading provider of mortgage services to credit unions in the nation, you now have access to more than 150 different home loans for every stage and style of life – all with great rates and terms. CU Members has been serving credit unions for more than 25 years and has been recognized by Fannie Mae, Freddie Mac, FHA, and other industry organizations for their excellence in servicing home loans.

Whether you're a first time homebuyer, are moving up, or looking for investment, vacation property, or just want to refinance your current mortgage at a lower rate, you'll benefit from the new services BRECO and CU Members offer:

  • Fixed Loans
  • ARM Loans
  • Jumbo Loans

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Share/Certificate Secured Loans

You can put your Breco FCU savings account or share certificate as collateral for a loan!

  • Borrow up to the amount you have in the account or certificate.
  • Leave the money in the savings account or certificate until the loan is paid off.
  • Earn dividends on your investment and establish credit.
  • Receive a low rate
  • Easy payment with payroll deduction, direct deposit or transfer payment online

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Signature Loans

We offer unsecured signature loans up to $15,000. Use the cash to pay for furniture, dream vacations, appliances, debt consolidation, weddings or just whatever you need!

  • Borrow up to $15,000
  • Flexible loan terms
  • Easy payment with payroll deduction, direct deposit or transfer payment online

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All loan policies, rates and terms are subject to change and all loan requests are subject to approval.