Home Loans La Crosse

Home Loans La Crosse

home loans la crosse

You would have to consider many things before getting home loans. In La Crosse, there are a lot of banks and credit unions that can offer you different financial options. However, choosing the right home loans in La Crosse is essential. 

You can approach Governmental Employees Credit Union (G.E.C.U.) about our home loans in La Crosse. We have been providing financial services to our members since 1931. Our home loans in La Crosse offer competitive rates and terms tailored to your needs. We have mortgage loans, home equity loans, and land and lot loans. 

Things to Consider Before Applying for Home Loans in La Crosse

Before choosing from a variety of home loans in La Crosse, we will give you some tips on applying for a home loan. Here are important things you should do before selecting from different home loans in La Crosse: 

  • Ask About Your Eligibility for Home Loans in La Crosse

Banks have different requirements for people who apply for home loans in La Crosse. Ask about the things you need to present to be eligible for a home loan. Some financial institutions require credit scores, collateral, and more. 

  • Inquire About the Interest Rates of Home Loans in La Crosse

Home loans in La Crosse can have a fixed or flexible rate. A fixed interest rate means it does not change monthly. On the other hand, flexible interest rates of home loans in La Crosse vary because of market fluctuations. Which interest rate do you think will benefit you? 

  • Identify the Repayment Tenure of the Home Loans in La Crosse

The longer the payment duration of the home loans in La Crosse, the higher the cost. You might have a lower equated monthly installment (EMI) to pay, but the interest rate will be more expensive in time. The interest rates will double or triple the actual amount of your home loans in La Crosse, so short repayment tenure is advisable.

  • Maintain Your CIBIL Score to Get Better Home Loans in La Crosse

Make sure that your credit score is high. Whether it is from credit cards or personal loans, you should pay for them in time to maintain your CIBIL score. If you have a good credit record and a score of 750 or higher, your home loans in La Crosse can be processed faster and you can have better interest rates. 

  • Compare Home Loans in La Crosse

It is better to check different providers of home loans in La Crosse to know which company and offer suit your budget and situation. There are many points to check when choosing home loans in La Crosse, like your down payment, EMI, interest rates, and repayment tenure. 

  • Create a Monthly Budget Before Taking Your Pick From Home Loans in La Crosse

For you to pay for the EMI, you should have your own strict budget. Make a list of the things you need to buy every month and keep within your budget. This will help you when choosing home loans in La Crosse because you will already know how much you can spend and how much you should save for the monthly expenses. 

  • Select Home Loans in La Crosse That Fit Your Budget

You should avoid loan offers with too expensive EMIs and long tenure. Choose a loan that you can easily fit in your monthly income. Additionally, being able to afford the EMI of home loans in La Crosse is not enough. You need to have money left for emergencies, monthly bills, allowances, and other expenses. 

Choose Governmental Employees Credit Union

You can apply for home loans in La Crosse and purchase your dream home. We have customized terms for our clients. G.E.C.U. offers competitive rates and a wide range of financing programs. La Crosse residents can use our home equity loans for house renovations, debt consolidation, and more! For more details about home loans in La Crosse, 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.