Loan Services

CHACO can help you make it easier to get the things you need. No matter why you need to borrow CHACO has a loan to best fit your needs. With competitive interest rates and a quick and easy application process, CHACO is the best choice for your borrowing needs.

Take advantage of CHACO’s 24-Hour Lending Center. You can apply online or by phone at (513) 785-3597 or toll-free at 1-877-CHACOCU.

Holiday Helper Loans: Just in time for the holiday season, you can borrow as little as $500 or as much as $2500 and you have up to 12 months to repay. With payments as low as $50 a month; it is easy to fit the affordable payments into your budget.

Home Equity: Discover the equity in your home. Apply for a home equity loan and receive a lump sum of cash. CHACO’s home equity loan allows you to borrow up to 80% of the equity in your home at a competitive rate for up to 15 years. (Not available in all areas.) You will repay the loan in equal monthly installments that are easy to budget and locked in at a fixed rate.

Home Equity Line of Credit: Use the equity in your home to get a great loan for the things you need— remodel your home, pay for tuition, buy a car, consolidate bills, and more. CHACO's Home Equity Line of Credit is a revolving line of credit. When you open your account, you will receive special checks to access your funds. A check card is also available.

Home Improvement: If you’re ready to spruce up your home, CHACO will help you find the money to add a deck, replace windows and much more! Terms vary and interest rates are lower on this loan than most credit cards.

Loans at the Dealership: Open a car loan with CHACO seven days a week! How is that possible? CHACO now gives you the option of opening a car loan while sitting at the dealership. It’s easy... simply visit a participating car dealership and when you get ready to purchase your car, just ask if you can open your loan with CHACO. The dealer will then help you open your loan, and you can drive right off the lot!

Member Builder Loans: This loan is designated to help you build good credit and savings habits. Members can open this loan at a term of less than one year and is available in amounts of $250, $500 or $1000.

Personal/Signature Loans: Need extra cash or want to pay off your debt? Use this loan to consolidate your bills, buy a special gift or take a nice vacation. Terms vary.

Vehicle Loans: CHACO can finance the purchase price of any new or used car, boat, motorcycle or RV. All rates are fixed and terms vary from two years to six years. Ask us how you can personalize your loan to best fit your budget.

Visa® Credit Cards: CHACO offers three different credit cards, Visa® Classic, Visa® Gold and Visa® Platinum, which offer fixed or variable rates. All cards offer no annual fee and a 25-day grace period. Business credit cards are also available. Members who use Visa® Gold or Visa® Platinum are also enrolled in the ScoreCard Bonus Program and earn one bonus point for each dollar charged using a CHACO Visa® Credit Card. Bonus points can be redeemed for gifts and travel discounts. Click here to apply online.

To get a FREE copy of your credit report call Equifax at 1-877-322-8228. Please click here to view helpful information about your credit report.

2009 CARD Act