Auto Loans La Crosse

Most people dream of having their own car. However, purchasing a car upfront may not seem practical as it can cause financial burden for some. Through auto loans, La Crosse credit unions make it possible for buyers to purchase an automobile through affordable monthly installments. If you want to learn more about auto loans in La Crosse and their benefits, contact Governmental Employees Credit Union today.

Benefits of Auto Loans in La Crosse

Applying for auto loans in La Crosse has perks that most people aren’t aware of. Auto loans in La Crosse can be a more convenient alternative to cash, since the dealers and your loan servicer handle most of the paperwork. Additionally, the process only takes a short while. Here are more benefits of auto loans for La Crosse locals to enjoy:

• Auto Loans in La Crosse Can Improve Your Credit Score

Auto loans in La Crosse can add to your credit history, which has a positive impact on scores. Your credit scores are improved further when you make consistent, timely payments on your auto loans. La Crosse locals with higher scores can get perks like better car insurance rates and lower interest rates on credit cards or other loans.

• Auto Loans in La Crosse Have Potential for Faster and Better Approvals

If you are a credit union member, applying for auto loans in La Crosse won’t be difficult, whether you have high or poor credit. This is because when you apply for auto loans, La Crosse credit unions will help you.

They will assist their members instead of trying to earn a profit from them. With loan approvals, you can expect credit unions to be more flexible as compared to banks or car dealerships.

• Auto Loans in La Crosse Have Low Interest Rates 

Another benefit of applying for auto loans for La Crosse locals are the low interest rates since they translate into lower monthly payments. Auto loans in La Crosse with low interest rates can help you pay off the total amount of loan faster. This is because the payment goes to the principal balance rather than the interest.

• Auto Loans in La Crosse Offer Lower Loan Minimums

A lower loan minimum amount is another good thing about auto loans. La Crosse credit unions don’t usually require minimums on any loan amount, unlike most banks. If the car you chose isn't that expensive, or if you’re able to pay a higher down payment for any auto loans in La Crosse, you can own the car faster.

• Auto Loans in La Crosse Have Lower Fees

When a car is purchased, sales tax, registration fees, and documentation fees are charged on top of the sticker price. However, credit unions make it possible for buyers to experience lower fees with auto loans. La Crosse locals should consider this when applying for auto loans in La Crosse because credit unions typically give back benefits to their members. 

• Auto Loans in La Crosse Don’t Require Collaterals

Generally, there are no collaterals required when applying for auto loans in La Crosse credit unions. This is because the car you’ll get will serve as the collateral for auto loans in La Crosse. If you fail to make your succeeding monthly payments or pay the outstanding balance, the credit union will repossess the vehicle.

Apply for One of the Best Auto Loans in La Crosse! 

If you’ve finally decided to purchase your dream car, you may want to consider getting auto loans in La Crosse. Let Governmental Employees Credit Union assist you. We offer the best car deals and help you find the right option that will suit your financial needs. You may even end up saving more on your auto financing with our low interest rates. 

If you need refinancing on your current vehicle, our team can also provide solutions for your concerns. Find out more about our services. Get in touch with us today. 

Making Everyone Count Since 1931

Credit unions are known as a great alternative to banks. These institutions offer accounts with lower fees and loan rates. They’re also owned by their customers, that’s why they offer better deals. If you want the idea of a customer-owned financial institution, joining a credit union might be the right choice for you.

Many credit unions offer a lot of benefits. However, not all of them are able to provide their customers with a great experience. If you want to make sure that you get great deals and satisfying customer service, join Governmental Employees Credit Union (G.E.C.U.). We offer great financial services while making sure that our customers feel valued. 

Open an Account With Us

Like any other bank, we also give our clients the privilege to open a bank account for their funds. Whether it’s a checking or savings account, G.E.C.U. makes sure to provide you the one that’s perfectly tailored to your lifestyle and needs. 

• Checking Accounts

At G.E.C.U., we don’t just provide great checking accounts. We also give you a lot of rewards with Kasasa Cash! You can choose between three options. 

The first option we have is the free Kasasa Cash Checking account with a high-interest reward. The second is a free Kasasa Cash Back Checking account with 2.25% cashback on purchases using your debit card. The third is the Free Kasasa Tunes Checking account, which gives you digital credits for apps and music purchases. Whichever you choose can be opened in minutes, too. Hassle-free, right? 

• Savings Accounts

Here, we offer you a lot of savings account options for you as well. 

• Basic Savings Account

This marks your membership with us. You’re only required to deposit a minimum of $5 to open your account.

• Elite Money Market Account

When you choose this account, the higher your balance is, the higher the interest rate you’ll get. You won’t get any maintenance fee if your balance is amounting to or more than $2,500.

• Health Savings Account (HSA)

With this account, you can prepare for medical expenses you might have in the future. You can also enjoy triple tax saving where you’ll have tax-free withdrawals for any medical expenses and earnings. 

• Certificates of Deposit (CDs)

Having trouble with saving money? This option is for you, then. Fixed-rate earnings for your term of choice. 

• Christmas Club

This type of savings account is created especially for your holiday funds. It also helps keep you away from having debts during the holidays.

• Individual Retirement Accounts (IRAs)

In this type of savings account, you’ll be able to secure your retirement and earn revenues at a higher rate.

Apply for a Visa Credit Card

At G.E.C.U., we help you expand your purchasing power by providing a globally-accepted credit card. We have competitive rates, low annual percentage rate (APR), and there are no annual fees! Apply with us now.

Pursue Your Dreams With Us

Everyone has the right to education. That’s why here in G.E.C.U., we offer a $500 scholarship to our members. The qualifications are simple; you just have to be a member and you must be already accepted or attending your school of choice.

Other than the two eligibility requirements, you should also submit three documents: your accomplished application form, a scholarship essay, and an autobiography that contains your school activities, awards, employment, and community service records. Apply now.

Secure Your Future With the Friendly Credit Union

Since 1931, we have been making every customer feel that they’re a part of the company; each of them is the partial owner of G.E.C.U. We assure you that we will continue making our customers feel that way. 

Our friendly and accommodating staff will strive to personally know you by name. As La Crosse’s friendly credit union, we enjoy doing business with our clients in the friendliest way that we can. If you want to be a part of the family and experience our customer service,  talk to us now .