All 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.
Loan Specials: The credit union also runs loan specials during the year.
Our current loan special is:
| Tax Time: Special rates valid until 04/30/25 | Loan terms |
|---|---|
| $500 up to $5,000 | 12 months @ 6.99% APR |
| 18 months @ 7.25% APR |
Signature – Personal and Bill Consolidation – Read More
| Up to 24 Months with APR* | as low as 9.25% |
| Up to 36 Months with APR* | as low as 10.25% |
| Up to 48 Months with APR* | as low as 11.25% |
| Up to 60 Months with APR* | as low as 13.25% |
*APR = Annual Percentage Rate. Rates subject to change without notice.
Share Secured – Loans are covered by shares
| Up to 72 Months with APR* | as low as 3.00% |
*APR = Annual Percentage Rate. Rates subject to change without notice.
VISA Credit Card
| APR* is *8.90% |
*APR = Annual Percentage Rate. Rates subject to change without notice.
Vehicles (Cars, trucks, boats & recreational) – Read More
Starting April 1, 2025: Limited Time Offer on New & Used Vehicles (excluding recreational & motorcycles)
| New Vehicles 2025 – 2024 | Up to 48 Months with an APR* | as low as 4.50% |
| Up to 60 Months with an APR* | as low as 5.25% | |
| Up to 84 Months with an APR* | as low as 5.75% | |
| Used Vehicles 2024 – 2022 | Up to 72 Months with an APR* | as low as 5.75% |
| Used Vehicles 2021 – 2019 | Up to 60 Months with an APR* | as low as 6.25% |
| Used Vehicles 2018 and older | Up to 48 Months with an APR* | as low as 6.75% |
| Recreational Vehicles | Up to 60 Months with an APR* | as low as 10.25% |
| Up to 120 Months with an APR* | as low as 11.00% | |
| Motorcycles | Up to 60 Months with an APR* | as low as 10.25% |
*APR = Annual Percentage Rate. Rates subject to change without notice.
No Credit Check – Read More
| $500 | 15.99% APR | for 6 Months |
| $600 | 16.99% APR | for 6 Months |
| $700 | 17.99% APR | for 6 Months |
Download the Application for all loans to your computer (click here)
To submit loan applications, you can do the following:
You can login to your account through our website, or mobile app and submit a loan application. You can also get the loan application under Member info tab, then forms. Then email, fax one months’ worth of your current paystubs to:
White Oak Office Fax: 412-673-2483
Carrick Office: 412-884-5991
You can also 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 along with current paystubs to the address on the top of the form:
Alcose Credit Union
3001 Jacks Run Road
White Oak, PA 15131-2555
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
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)
