Discounts: Remember, too, that if this is your first secured personal loan with the credit union you receive a first-time borrower rate discount of 0.25%, and if you are financing at or below loan value you can deduct another 0.25%.

Terms: We also look for terms that meet our needs. Our standard term on new and late model vehicles (2007 or newer) is 72 months, and the standard level of financing for qualified borrowers is 100% of the purchase price.

Ease & Convenience: Beyond rates and terms, we want the process to be quick, easy and convenient. Most of our members like doing business online and that’s how we receive most applications these days. Go to our website at www. fourpointsfcu.org and click on applications. Access is at your keyboard 24 hours a day. We also have an option for telephone applications 24/7 at 866-662-0237. During our regular business hours just give us a call.

The lending process is quick and we can normally have cash in your hands on the same day you make application. We also offer loan pre-approvals so you can establish a credit commitment before you go car shopping. It’s a nice convenience knowing you can simply write your personal check when you find the vehicle you are looking for.

Personal Service: Finally, and just as important, we want personal attention from people who care and really appreciate our business. That personal touch is important to you, and it is important to us.

We believe we have the right combination of rates, terms and service for your next vehicle loan. If you have a car or truck purchase coming up, we hope you will consider Four Points.