Auto Loans
SHPFCU offers low rates on new and used vehicle purchases and refinances. Our loan officers work to approve your loans with a quick approval timeframe, along with payment terms that fit your budget and lifestyle. Apply Online today or call one of our Loan Officers for questions regarding an auto loan, or to apply.
Three easy ways to apply
Call (800) 282-3006, Option 5, during business hours
Fax, mail, or deliver it to us
Protect Your Purchase
Get Credit Union Discounts on TruStage® Auto Insurance
One of the exclusive benefits of your credit union membership is access to the TruStage Auto & Home Insurance Program. Discounts are available for our members, and savings can really stack up. Learn more.
Ask us about GAP (Guaranteed Auto Protection) Waiver Coverage
GAP Waiver Coverage covers the difference between what you owe on your car and what your car insurance company is willing to pay for it — without any maximum payout stipulation. Ask us how you can protect yourself with GAP Waiver Coverage.
Extended Warranty
Protect yourself with an Extended Warranty purchased through State Highway Patrol FCU. Ask us for costs and details.
Get A CARFAX® Report
Ask us for a CARFAX® Vehicle History Report. Every Report contains important information that can impact your decision about a used vehicle through a detailed VIN # check. Through this VIN search, some types of information included in CARFAX® Reports include:
Vehicle registration
Frame/structural damage
Title information including salvaged or junked titles
Accident indicators such as airbag deployment
Odometer readings
Service and repair information
Lemon history
Vehicle usage (taxi, rental, lease, etc.)
Total loss accident history
Recall information
Get a vehicle history report! Call us at (800) 282-3006 for a CARFAX® report now!
Killed in the Line of Duty Protection
State Highway Patrol Federal Credit Union now provides a special debt cancellation benefit exclusively for its members who serve as officers in the law enforcement community.
Mortgage Loans
Whether you are looking for your first home, upgrading, or refinancing, State Highway Patrol Federal Credit Union has the perfect mortgage for you! As your trusted financial institution, we offer a variety of mortgage products to fit your needs. If you have already started the mortgage process, or if you would like to get pre-approved, contact the credit union loan department at (800) 282-3006 option 5, for more information.
Mortgage Loans Programs (Purchases & Refinances)
Conventional Fixed Rate
Adjustable Rate Mortgages “ARMs”
FHA
VA
HARP 2.0
USDA Rural Housing
Two Easy ways to Apply:
Call (800) 282-3006, Option 5, during business hours
Print a Mortgage Information Form and fax, mail, or deliver it to us.
Home Equity Line of Credit
Money borrowed through SHPFCU Home Equity Line of Credit (HELOC) can be used for any purpose, from home improvement projects to family vacations.
Sample uses for a HELOC
Renovate your home or make home repairs
Consolidate high interest credit cards
Pay student loan expenses
Keep an equity line open for emergency purposes
Take your vacation of a lifetime
There are many more uses. With a Home Equity Line of Credit, you borrow against the equity in your home and you always have easy access to the funds.
Benefits of a Home Equity Line of Credit
You establish the amount when your loan is approved
Lower interest rate than using your credit card
Your line of credit rebuilds each time you make a payment
Added convenience of payroll deduction
Contact us at (800) 282-3006 or (614) 431-0784 for rates and options.
Two Easy ways to Apply:
Call (800) 282-3006, Option 5, during business hours
Print a HELOC Information Form and fax, mail, or deliver it to us.
Education Loans
We offer affordable education loans to help you finance education for you and your family.
Education Loans financed through the credit union can help pay for:
Private and Parochial School Tuition*
College and University Tuition*
Music, Art, and Trade Courses*
Community College Courses*
Professional Development*
*Loan proceeds must be for accredited school tuition only.
Apply for Educational Loans directly through the credit union and apply for Sallie Mae loans at the link below. If you have questions, please call us at (800) 282-3006, Option 5.
Student Loans for State Highway Patrol Federal Credit Union
We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*
ISL Education Lending offers:
Loans for college students.
A loan option for parents and family members who wish to borrow on behalf of a college student.
Multiple student loan refinance options.
In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.
Learn more about ISL Education Lending’s offerings on their website.
Please note:
All loans offered by ISL Education Lending are subject to credit approval.
Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.
*State Highway Patrol Federal Credit Union is compensated by ISL Education Lending for the referral of student loan customers.
Other Loan Types
Whether you are saving for retirement, getting your finances back on track or in need of a line of credit, State Highway Patrol Federal Credit Union has a creative solution to fit your financial needs.
Share & Certificate Secured Loans
Share secured loans are a great way to borrow money at a very affordable rate. Your deposit in a SHPFCU share account is used as collateral for a share secured loan. You may also borrow money using your SHPFCU share certificate as collateral.
Debt Restructure Loan
A Debt Restructure Loan consolidates your debts into a single loan with one monthly payment and a fixed interest rate that is typically much lower than your existing interest rates. You can combine existing debt from high interest credit cards, student loans, medical bills, and more.
Convert high rate loans into one loan with manageable monthly payments
Loans up to $20,000
Fixed low rates
Payoff terms up to 60 months
Line of Credit Loans
Need a little extra green for an unexpected expense? Going on vacation? We offer a low-rate Line of Credit Loan to help you get extra funds for those unexpected expenses or your vacation. Apply now or call our loan department at 800-282-3006 option 5 for details.
Life Happens Loans
It seems to happen to all of us. Here comes an unforeseen bump in the road of life. Maybe it’s an unexpected bill, school expenses, or an emergency home or auto repair. These surprises seem to come at the worst possible times. SHPFCU can help during those tough times with our Life Happens Loan. Apply now or call our loan department at 800-282-3006 option 5 for details.
Skip A Pay
Looking for extra funds or having a financial hardship? Skip A Pay is a membership benefit that may be taken once in a 12 Month Period. All parties involved on the loan must sign the form if a Skip A Pay is requested (signers and co-signers).
Skip-A Pay: Loans must be current. Member must be in good standing with SHPFCU. Skipped payment will be added to the end of the loan and interest will continue to accrue. Cannot skip two consecutive months. Loans qualify for Skip-A-Pay after 365 days of origination. *Qualified loans include: Auto, Boat, Motorcycle, ATV, RV, Education Line of Credit, Personal Line of Credit, Debt Restructure Loans, and Shared Secured loans.