Auto Loans
Your Credit Union offer auto loans for new and used vehicles up to 120% of the value. For new vehicles the value represents the MSRP for the vehicle. For used vehicles the value represents NADA retail value or Kelly Blue Book retail value. The extra financing amount above the value the may include, sales tax and a warranty as well as an amount you may be “upside down” in your vehicle. Being “upside down” is the difference when the balance of your loan is higher than the value you receive as a trade in allowance.

Boat Loans
Your Credit Union offer boat loans for new and used boats up to 80% of the value. For new boats the value represents the MSRP. For used boats the value represents NADA retail value or Kelly Blue Book retail value.

Motorcycle Loans
Your Credit Union offer motorcycles loans for new and used motorcycles up to 80% of the value. For new motorcycles the value represents the MSRP for the vehicle. For used motorcycles the value represents NADA retail value or Kelly Blue Book retail value.

Recreational Vehicle Loans
Your Credit Union offer recreational vehicle loans for new and used recreational vehicles up to 80% of the value. For new recreational vehicles the value represents the MSRP for the vehicle. For used recreational vehicles the value represents NADA retail value or Kelly Blue Book retail value.

Secured Loans
Your Credit Union offers a secured loan by securing your shares or certificate as collateral. Enjoy the convenience of maintaining your savings, while borrowing for that unanticipated event. Best of all, a secured loan offers a lower rate than a personal or signature loan.

Home Equity Loans
Your Credit Union offers home equity loans up to 80% of the value of your home. The value is determined by an appraised value less the remaining principal balance. In some instances, if you already have a written appraisal less than 2 years old, a new appraisal may not be necessary. Otherwise, we will obtain an appraisal as part of the application process. Since home equity loans have some unique features that are not applicable to our other loans, online applications are not accepted. Please call or stop by the credit union and talk to one of our lending officers.

Unsecured Personal or Signature Loan
Your Credit Union offers a variety of unsecured loans. The unsecured loans are typically called a personal or signature loan. We also have a number of other unsecured loans such as Debt Consolidation loans, Vacation Loans, Holiday or Christmas Loans, and our Whatever/Whenever loan. The same great rates apply to all our unsecured loan products.

First Mortgages
PHH Mortgage Services
The Fastest, Simplest, Most Convenient Way Home®

In conjunction with PHH Mortgage Services — one of the largest and most successful mortgage originators in the nation — PA HealthCare Credit Union brings you one of the easiest mortgage processes in the industry. When you call PHH Mortgage Services, you can receive a loan decision over the telephone in less than 20 minutes — all while you wait in the convenience of your home or office.

PHH Mortgage Services and PA HealthCare Credit Union are dedicated to making your mortgage experience smooth and easy. We will help you find the perfect mortgage solution for your situation. With over 100 mortgage products to choose from, we have the right solution for all of your mortgage needs — from purchasing to refinancing. And we’ll do it all with the same superior service you have come to expect from PA HealthCare Credit Union.

For your convenience, PHH Mortgage Services is available six days a week:

• Monday through Friday — 8:30 a.m. to 8:00 p.m. EST
• Saturday — 9:30 a.m. to 6:00 p.m. EST

Make the right move and call PHH Mortgage Services today at:
1-877-846-6633

PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK 00010039; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee #6266; Illinois Residential Mortgage Licensee; Massachusetts Licensed Lender #ML1653; Licensed by the New Hampshire banking department; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker - NYS Banking Department; Rhode Island Licensed Lender; Minnesota - This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. In Massachusetts and Virginia, financing provided by PHH Mortgage Services, Inc.

Student Loans
Your Credit Union offers student loans and student loans for parents through PHEAA and may fill in the application at www.pheaa.org. Don’t forget the PA HealthCare Credit Union - Lender Code 834065 when you apply.