Auto Loans
SHPFCU offers low rates on new and used vehicle purchases and refinances. Our loan officers work to approve your loans with a quick approval timeframe, along with payment terms that fit your budget and lifestyle. Apply Online today or call one of our Loan Officers for questions regarding an auto loan, or to apply.
Three easy ways to apply
Call (800) 282-3006, Option 5, during business hours
Fax, mail, or deliver it to us
Protect Your Purchase
Get Credit Union Discounts on TruStage® Auto Insurance
One of the exclusive benefits of your credit union membership is access to the TruStage Auto & Home Insurance Program. Discounts are available for our members, and savings can really stack up. Learn more.
Ask us about GAP (Guaranteed Auto Protection) Waiver Coverage
GAP Waiver Coverage covers the difference between what you owe on your car and what your car insurance company is willing to pay for it — without any maximum payout stipulation. Ask us how you can protect yourself with GAP Waiver Coverage.
Extended Warranty
Protect yourself with an Extended Warranty purchased through State Highway Patrol FCU. Ask us for costs and details.
Get A CARFAX® Report
Ask us for a CARFAX® Vehicle History Report. Every Report contains important information that can impact your decision about a used vehicle through a detailed VIN # check. Through this VIN search, some types of information included in CARFAX® Reports include:
Vehicle registration
Frame/structural damage
Title information including salvaged or junked titles
Accident indicators such as airbag deployment
Odometer readings
Service and repair information
Lemon history
Vehicle usage (taxi, rental, lease, etc.)
Total loss accident history
Recall information
Get a vehicle history report! Call us at (800) 282-3006 for a CARFAX® report now!
Killed in the Line of Duty Protection
State Highway Patrol Federal Credit Union now provides a special debt cancellation benefit exclusively for its members who serve as officers in the law enforcement community.
Mortgage Loans
Whether you are looking for your first home, upgrading, or refinancing, State Highway Patrol Federal Credit Union has the perfect mortgage for you! As your trusted financial institution, we offer a variety of mortgage products to fit your needs. If you have already started the mortgage process, or if you would like to get pre-approved, contact the credit union loan department at (800) 282-3006 option 5, for more information.
Mortgage Loans Programs (Purchases & Refinances)
Conventional Fixed Rate
Adjustable Rate Mortgages “ARMs”
FHA
VA
HARP 2.0
USDA Rural Housing
Two Easy ways to Apply:
Call (800) 282-3006, Option 5, during business hours
Print a Mortgage Information Form and fax, mail, or deliver it to us.
Home Equity Line of Credit
Money borrowed through SHPFCU Home Equity Line of Credit (HELOC) can be used for any purpose, from home improvement projects to family vacations.
Sample uses for a HELOC
Renovate your home or make home repairs
Consolidate high interest credit cards
Pay student loan expenses
Keep an equity line open for emergency purposes
Take your vacation of a lifetime
There are many more uses. With a Home Equity Line of Credit, you borrow against the equity in your home and you always have easy access to the funds.
Benefits of a Home Equity Line of Credit
You establish the amount when your loan is approved
Lower interest rate than using your credit card
Your line of credit rebuilds each time you make a payment
Added convenience of payroll deduction
Contact us at (800) 282-3006 or (614) 431-0784 for rates and options.
Two Easy ways to Apply:
Call (800) 282-3006, Option 5, during business hours
Print a HELOC Information Form and fax, mail, or deliver it to us.
Education Loans
We offer affordable education loans to help you finance education for you and your family.
Education Loans financed through the credit union can help pay for:
Private and Parochial School Tuition*
College and University Tuition*
Music, Art, and Trade Courses*
Community College Courses*
Professional Development*
*Loan proceeds must be for accredited school tuition only.
Apply for Educational Loans directly through the credit union and apply for Sallie Mae loans at the link below. If you have questions, please call us at (800) 282-3006, Option 5.
Student Loans for State Highway Patrol Federal Credit Union by Sallie Mae®
Get the money you need to help make higher education happen. Student loans from State Highway Patrol Federal Credit Union in partnership with Sallie Mae® could help! For those attending or borrowing for a student attending a degree-granting institution. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:
- Competitive variable and fixed interest rates - No origination fee or prepayment penalty - Multiple repayment options
Learn which loan is right for you www.salliemae.com/smartoption/shpfcu
Undergraduate- Smart Option Student Loan® for Undergraduate Students Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school
Graduate- Graduate School Loan Pay for expenses as you pursue your master’s and doctoral degrees
MBA Loan- Pay for your business school expenses as you pursue your Masters of Business Administration degree
Medical School Loan- Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
Dental School Loan- Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
Graduate School Loan for Health Professions- Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
Law School Loan- Pay for your school and associated expenses as you study for your law degree
Parents- Parent Loan Help your student by taking responsibility with a loan in your name
Learn which loan is right for you www.salliemae.com/smartoption.shpfcu
Borrow responsibly— We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. These loans are made by Sallie Mae Bank or a lender partner. State Highway Patrol Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. 1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation
Other Loan Types
Whether you are saving for retirement, getting your finances back on track or in need of a line of credit, State Highway Patrol Federal Credit Union has a creative solution to fit your financial needs.
Share & Certificate Secured Loans
Share secured loans are a great way to borrow money at a very affordable rate. Your deposit in a SHPFCU share account is used as collateral for a share secured loan. You may also borrow money using your SHPFCU share certificate as collateral.
Debt Restructure Loan
A Debt Restructure Loan consolidates your debts into a single loan with one monthly payment and a fixed interest rate that is typically much lower than your existing interest rates. You can combine existing debt from high interest credit cards, student loans, medical bills, and more.
Convert high rate loans into one loan with manageable monthly payments
Loans up to $20,000
Fixed low rates
Payoff terms up to 60 months
Line of Credit Loans
Need a little extra green for an unexpected expense? Going on vacation? We offer a low-rate Line of Credit Loan to help you get extra funds for those unexpected expenses or your vacation. Apply now or call our loan department at 800-282-3006 option 5 for details.
Life Happens Loans
It seems to happen to all of us. Here comes an unforeseen bump in the road of life. Maybe it’s an unexpected bill, school expenses, or an emergency home or auto repair. These surprises seem to come at the worst possible times. SHPFCU can help during those tough times with our Life Happens Loan. Apply now or call our loan department at 800-282-3006 option 5 for details.