Borrowing

Creative Arts Savings & Credit Union is pleased to offer members a full range of borrowing options. Whether you are a first-time or repeat home buyer, looking to make home improvements, buying a car, or ready to take a vacation, we have the type of loan, line of credit or mortgage that you're looking for at a rate that is fair and competitive.

The credit union makes it easy for you to apply for the type of credit you need. Once we open for business, you can apply online anytime 24/7, or make an appointment to visit our branch to complete your loan application.

We treat your income statement/history differently than other financial institutions. We will average your last three or more years of income history so that if you have a slow year it will not affect your borrowing abilities. We also look at your expense numbers and we will back out all personal write offs. This results in an increase in your available cash to service credit payments. Most other financial instututions will only look at the taxable income which in most cases wont let you qualify for credit products.