SHARES

Regular Shares: Dividends paid on all share savings accounts – not draft accounts

Balances up to $49,999.990.10% APY
Balances from $50,000 & up     0.25% APY

Share Certificates: Minimum Deposit $1,000

0.25% APY for 12 Months
0.35% APY for 18 Months
0.45% APY for 24 Months

IRA's: Traditional and Roth available. Call the Credit Union for details.

LOANS

Signature – Personal and Bill Consolidation –
Read MoreThese loans are reviewed as they are submitted. If the loan is approved, in addition to the $25.00 minimum balance required in the share account, an additional $125.00 must be deposited and held in the share account until the loan is paid in full.


5.99% APR for 24 Months
7.99% APR for 36 Months
9.99% APR for 48 Months
11.99% APR for 60 Months


Share Secured
3.50% for any term up to 60 Months


Vehicles (Cars, trucks, boats & recreational)
Read MoreThese loans are reviewed as they are submitted. If the loan is approved, in addition to the $25.00 minimum balance required in the share account, an additional $125.00 must be deposited and held in the share account until the loan is paid in full.


New (2016 to 2017)2.49% APR for 12 – 72 Months
  
Used (2014 to 2016)   2.74% APR for 48 Months
 2.99% APR for 60 Months
 3.50% APR for 72 Months
  
Used (2013 & Older)3.25% APR for 36 Months
 3.74% APR for 48 Months
 4.25% APR for 60 Months
  
Classic Cars4.75% APR for 24 Months
 5.00% APR for 36 Months
 5.25% APR for 48 Months
 5.50% APR for 60 Months
  
RV's5.49% APR for 72 to 120 Months


Collateralized
Read MoreThese loans are reviewed as they are submitted. If the loan is approved, in addition to the $25.00 minimum balance required in the share account, an additional $125.00 must be deposited and held in the share account until the loan is paid in full.


5.35% APR for 24 Months
6.10% APR for 36 Months
6.95% APR for 48 Months
8.15% APR for 60 Months


Better Choice - 18.99% APR for 3 Months - Loan may not exceed $500 -
Read MoreThe Credit Union's answer to Pay Day Loans. The maximum amount of the loan is $500. There is a $20 application fee. Upon approval, 10% of the requested loan amount is deposited into the member's share account. The member may not withdraw any portion of the deposit, or close the account, until the loan is paid off. The interest that the member pays on the amount deposited into the savings account will be rebated to the savings account if the loan is paid on time. The loan must be repaid within 90 days. Payments must be made by payroll deduction or direct deposit. The member must be in good standing with the Credit Union for 3 months prior to taking the loan. New members may not apply until they have been a member for 3 months. If a member has a No Credit Check loan, they are not permitted to also have a Better Choice loan at the same time.



No Credit Check -
Read MoreAll loans are for a term of 6 months and must be repaid by payroll deduction or direct deposit. There is a $20 application fee that must be paid at the time the loan is dispersed and the member must be in good standing with the Credit Union for 3 months prior to taking the loan. New members may not apply until they have been a member for 3 months. If a member has a Better Choice loan, they are not permitted to have a No Credit Check loan at the same time.


$500 15.99% APR for 6 Months
$600 16.99% APR for 6 Months
$700 17.99% APR for 6 Months



Pet - Up to $7,500 –
Read MoreThese loans are reviewed as they are submitted. If the loan is approved, in addition to the $25.00 minimum balance required in the share account, an additional $125.00 must be deposited and held in the share account until the loan is paid in full.


5.90% APR for 12 Months
6.90% APR for 24 Months
7.90% APR for 36 Months


Student

The Smart Option Student Loan for Alcose Credit Union by Sallie Mae
For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
- No origination fees and no prepayment penalty
- Rewards and interest rate reductions available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists

To learn more, please get started here.
(this link goes to an external site)




First Mortgage

In a partnership with Owners' Choice Funding (Formerly CUC Mortgage), the Credit Union is now offering first mortgages.
Click here for more information
(this link goes to an external site)



LOAN APPLICATION

To submit the application please do the following:

Download the Application for all loans to your computer (click here)
- Fill out the information required – You can fill out the form on your computer and then print it out OR you can print out the form and then fill it out by hand
- Mail the completed form to the address on the top of the form:
Alcose Credit Union
3001 Jacks Run Road
White Oak, PA 15131-2555

Please read instructions for all loans EXCEPT vehicles (click here)

Please read instructions for VEHICLE loans (click here)


LOAN CALCULATOR

The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution. This is being provided for you to plan your next loan application. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate (e.g. 7.25), and click the Calculate button. Clicking the Reset button will clear entered values.

Description Data Entry
Loan Amount
Loan Length in Months
Interest Rate
Monthly PaymentCalculated
Enter only numeric values (no commas), using decimal points where needed.
Non-numeric values will cause errors.

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LOAN SPECIALS

The credit union also runs loan specials during the year. These loans are reviewed as they are submitted. If the loan is approved, in addition to the $25.00 minimum balance required in the share account, an additional $125.00 must be held in the share account until the loan is paid in full.

Our current loan special is:

  Vacation Loan Special - $500 to $5,000 12 Months @ 3.25% APR**
     available until 7/31/2017 18 Months @ 3.99% APR**

LOAN PROMOTIONS

Non-Vehicle Loan Promotion
$75 GIFT CARD
- Any member closing a loan (excluding vehicle, Better Choice and No Credit Check Loans) between the first of the month and the end of the month will be entered into a drawing for the gift card.
- Gift card will be the winning member's choice:
    - Restaurant, Get Go Gas Card, or Giant Eagle Card

Vehicle Loan Promotion
$75 GAS CARD
- Must meet qualification guidelines
- Loan must be approved by loan officers
- Loan must remain with Alcose for the term selected or the $75.00 will be charged back to the member




"This credit union is federally insured by the National Credit Union Administration."
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