115 Mecaw Rd., Hampden, ME 04444    (207) 945-6264 or 1-800-974-4475    Fax (207) 941-1145    Email: info@changingseasonsfcu.com
 
 

Consumer Loans:

We offer a wide range of loans to meet your needs.  All new and used secured loans have the same interest rate.

Loan Specials

We may offer different types of loan specials throughout the year. Look on our home page for any current loan special(s) that we may be running!

Line of Credit

An Overdraft line of credit can save the embarrassment of a non-sufficient fund check (NSF) caused by an error in your checkbook or an unexpected ACH item (pre-authorized automatic withdrawal).  Payments are due on the last day of each month (this is new starting September 30, 2009).

To see our current line of credit rate, click here.

Types of Loans

  • Vehicles, new and used

  • ATVs, Motorcycles, Snowmobiles, new & used

  • Recreational Vehicles, Campers, Boats, Utility Trailers, new & used

  • Mobile Homes (without land)

  • Equipment (Under $50,000)

  • Personal /Signature

  • Share Draft Line of Credit

To see our Consumer Loan Rates and Terms, click here.
To use our loan calculator, click here.

Payment Protections

If something happens to the borrower, here are some products that can help to make sure your family is protected.

Credit Life/Credit Disability Insurance

  • Life Insurance – you can insure your loan so that if you die before the loan is paid in full, the remaining balance will not be a burden for your family
  • Disability Insurance – by adding disability insurance to your loan, you will be free from worry should you be out of work because of an illness or accident.

Gap Insurance:

Did you know that if your car is stolen or totaled in a major accident, you could wind up paying a large amount of cash out of your pocket-no matter how much
insurance you have. Most insurance policies only cover the actual value of your vehicle-a value that declines rapidly during the first few years of ownership.  As a result, there can be a substantial “gap” between your loan and the amount that your insurance will pay to replace it. Your insurance will only cover the actual
value of your vehicle – regardless of what you owe.

Gap Plus:

This not only pays the difference between your primary carrier’s insurance settlement (including your insurance deductible up to $1,000) and your loan balance, you will receive an additional $1,000 towards the purchase of a replacement vehicle (as long as you finance with us), in the event yours is totaled or stolen and a documented GAP claim is paid.

Route 66 Extended Warranty Mechanical Breakdown Protection:

Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road.  Even the most reliable vehicle can develop a mechanical problem. Route 66 protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor.  All the plans come with Rental Car Allowance and 24 hour/7 days a week Emergency Roadside Service.

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-out Service
  • Safe and Secure Package
  • Minor Adjustments

 




Do we have a Deal for you on Loans!!!!!

If you are in the market to puchase a car in the next few weeks, this is a great time!! Usually car dealers run special offers leading up to President's Day which is February 15th. Just remember that we have terrific rates and actually will give you 1/4% off your rate if you have 10% down on the purchase or 1/2% off if you have 25% down. Call us for preapproval today!!!

Our name has changed, click here to learn more.


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