Lending Services
Home Loans
Members Choice can meet your needs for Long-Term Mortgage Financing, Home Equity Loans and Home Improvement Loans.
Loans are subject to credit approval. Home Mortgages are sold to CU Members Mortgage upon closing. Home Equity Loans require appraisals, and we can finance up to 80% of your total loan to value. Financing for Home Improvement Loans is not to exceed a maximum amount of $25,000.00 and a 5-year term. Discount Rates and Fees are available on approved Home Improvement and Home Equity Loans when a member meets the requirements of the Total Relationship Discount, which includes the member having a Share (Savings) Account, a Share Draft (Checking Account) with at least one monthly ACH deposit of any amount. Advertising of this promotion does not represent loan approval or commitment to lend.
Mortgage Loans
Apply for a Mortgage Loan today!
We hope to help make your dream of a first home or a new home a reality. We offer competitive rates and favorable terms to meet your mortgage financing needs. First Mortgage Real Estate Loans can only be financed for a maximum of 30 years. These loans are sold upon closing to CU Members Mortgage, giving you flexibility.
If you have any questions, please submit a request for additional information, or call the credit union at (304) 346-5242 or Toll Free (800) 526-5242 to speak with our Mortgage Loan Specialist, Woody.
Home Equity Loans
Members Choice has a Home Equity Loan Program that is perfect for when you’re planning to remodel or spruce up your current home. Our Home Equity Loans can cover your remodeling expenses, spring projects or perhaps debt consolidation to meet your monthly obligations. Home Equity Loans may qualify for mortgage interest deductions on your itemized Federal Tax Return. Appraisals are required, and we can finance up to 80% of your total loan to value.
Submit a request for additional information, or call the credit union at (304) 346-5242 or Toll Free (800) 526-5242 to speak with our Mortgage Loan Specialist, Woody.
Home Improvement Loans
If you are in dire need of replacing your roof or repairing any part of your home and need the money right away, try our Home Improvement Loan Program. Home Improvement Loans are similar to Home Equity Loans, but with a faster processing time as an appraisal is not needed. Simply provide an invoice from the contractor performing your home improvements and we will pay them directly. Financing is not to exceed a maximum amount of $25,000.00 and a 5 year term.
Submit a request for additional information, or call the credit union at (304) 346-5242 or Toll Free (800) 526-5242 to speak with our Mortgage Loan Specialist, Woody.
The home pictured to the right is a real home located on the West Side of Charleston that was renovated using a Home Improvement Loan funded by Members Choice!
Total Relationship Discount
Discount Rates and Fees are available on approved Home Improvement and Home Equity Loans when a member meets the requirements of the Total Relationship Discount, which includes the member having a Share (Savings) Account, a Share Draft (Checking Account) with at least one monthly ACH deposit of any amount.
Submit a request for additional information, or call the credit union at (304) 346-5242 or Toll Free (800) 526-5242 to speak with our Mortgage Loan Specialist, Woody.
