Signature loans & Auto Loans

Banner Federal has several programs to finance your next car or truck, depending on the kind of purchase you would like to make. • Low-cost Credit Union Financing • The Credit Union Advantage Signature Loans Banner Federal provides signature loans for all types of uses. Interest rates for these loans are based upon your credit experience. Signature loans can be as little as $200 or a large as $15,000 with qualifying credit history. Generally, minimum monthly payments are determined base upon the rate of $3 per $100 of the outstanding amount borrowed at the time of the loan advance and can be as low as $30 per month. Personal Line of Credit (LOC) If you have a specific need and dollar amount, a personal line of credit might fill the bill. When you need cash for a vacation, unexpected expenses, or for any reason, we can help with a personal loan at a competitive rate. A line of credit can be used for overdraft protection on your Banner Federal checking account, or as a ready reserve when you need money on short notice. Conventional financing for a new or used car or truck: If you want to go out and find that perfect car or truck, either new or used, and you like visiting the dealerships and making your best deal, you can still count on your credit union for low-cost financing. You may want to buy Uncle Fred's old SUV. We suggest that you see us first to get pre-approval on your low-cost credit union loan. After getting pre-approved, go out and see the dealers (or Uncle Fred), knowing you have excellent financing and cash to make your best deal on the spot. What could be better? To apply online for an auto loan click here. GAP Insurance GAP Insurance can help protect you against monetary loss in the event your vehicle is totaled or stolen. GAP pays the difference between what you still owe on your loan and what your insurance company will pay.  With Banner Federal’s low one-time cost of $220.00, you will not only save money but you will also have peace of mind knowing your loan will be paid. You must have a Banner Federal auto loan to purchase our GAP Insurance. You may purchase this coverage up to one year after the effective date of the loan.  For further details, please call our loan department at (602) 254-5291 Option 6. Extended Warranty Protect your vehicle and your wallet with an Extended Warranty from Banner Federal.  We offer many different levels of protection and terms on new and useD vehicles. You don’t even have to have a loan on your vehicle to take advantage of these savings.  Just call our loan department at (602) 254-5291 Option 6 with the year, make, model, and mileage of your vehicle for a personalized quote today! Everyone has an occasional financial emergency. If you have a need for money for a short period of time Banner Federal CU has a program designed to meet this important need. Following, are the three primary qualifications you need in order to apply for a PayDay Stretcher Loan: Must be a member of the Credit Union Must be employed for a minimum of 6 months with current employer Must provide current verification of employment Must provide current a current paycheck stub Additional details about the PayDay Stretcher Loan: Loans of $200.00 to $500.00 available. A $15.00 Non-refundable application fee will be collected at the time of application. Maximum 4 PayDay Stretcher loans per year. A PayDay Stretcher loan must be paid in full for at least 30 days before the member is considered eligible to apply for another one. If you meet the above qualifications and wish to apply, please contact the credit union and speak to a Loan Representative to get the full details of the PayDay Stretcher Loan program. SAVINGS SECURED LOANS Keep your savings intact and earn dividends when you borrow against it. Our savings secured loan has our best loan interest rate. Check our rates against the banks! Money Max accounts give you maximum flexibility, and Share Certificates give high yields and safety compared with higher risk investments — 602-254-5291, Option 2. Not sure what car to buy? Click on the Chrome Standard Icon to find a vehicle equipped the way you want and get a price range. Southwest Auto Consultants: Buying a car? Dreading it? Cringing at the thought of talking with a car salesman? Then let Banner Federal Credit Union and Southwest Auto Consultants help you make your next auto experience pleasurable! Here is how….. Southwest Auto Consultants work with all dealerships to obtain the lowest price. They use their knowledge to get rebates, incentives and special financing offered by dealerships. By using their market skills they negotiate the selling price for you. No sales pressure - no sales person. Southwest Auto Consultants works for you, not the dealers. They will give you a guaranteed lowest price including their advisory fee. If you like the price and the vehicle, with approved financing by Banner Federal Credit Union -you could be picking up that new vehicle now. • Call Southwest Auto Consultants at 480-895-7595, • Fax them at 480-895-7571 or • e-mail them at lgallaugher@wbhsi.com Save money and time by shopping for your new or used vehicle at the Dealer. Remember to ask for the “Credit Union Advantage” which will give you: • A fleet discount with no price haggling on new autos • Low-cost credit union financing • On the spot loan approval • Quick service and possession of your vehicle • Credit Life/Disability with reduced credit union premiums Here’s how it works: Dealers all over the valley are members of the Credit Union Advantage program. You can simply go in and ask for the Credit Union Advantage representative, identifying yourself as a Banner Federal Credit Union member. You will receive special pricing arranged exclusively for credit union members. Then your loan is processed at our low rates, giving you the best of all possible worlds. It’s truly a hassle-free way to make a great deal on a car or truck. Call Today to get more information 602-254-5291, ext. 201 Get a great deal on a gently used vehicle from Enterpirse Auto Sales. The Enterprise Difference Experience our Perfect Used Car Package®. Enterprise Car Sales has more than 120 makes and models of used cars, trucks, vans and SUVs. We offer no-haggle pricing so you can avoid unpleasant negotiations and we back each vehicle with one of the industry's best used car warranties. You'll be pleased with our people and low-pressure sales approach that puts your needs first.   Loan Protection Insurance Protect your self and your family when you borrow by adding Loan Protection Insurance to your loan. For a very small amount added to your monthly payment you gain valuable protection. Loan protection insurance is credit insurance directly tied to your loan. Credit life insurance pays off the loan (or reduces it) if the borrower dies. Credit disability insurance takes over the loan payments if the borrower becomes disabled. More… Loan Payment Calculator The Loan Payment Calculator can give you a good idea of how much you're willing to spend on a car and what your average payment might be before tax and extras Check our Links page and our Autos for Sale page for places to shop on-line for your next car. Ask about our extended warrenties and gap coverage.

Managed Risk Lender: Banner Federal Credit Union is a Managed Rate Lender. Managed Risk Pricing involves setting a tiered pricing structure that assigns loan rates based on an individual's credit risk. The Credit Union adopted the Managed Risk Pricing so that we are able to be the lender of choice for our members by offering the best possible rate, based on each individual's credit history.

Autos For Sale: Banner Federal Credit Union has cars, trucks and SUV's for sale. Find a great deal on a car or truck by browsing our autos for sale.