Auto
Loans

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Mortgage
Loans

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Educational
Loans

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Other
Loans

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WE’VE GOT YOUR BACK LOAN SPECIAL

READY TO MOVE UP?

To celebrate National Police Week, May 12-18, State Highway Patrol Federal Credit Union is again offering the We’ve Got Your Back Loan Special for the entire month of May! There’s no better time than now to purchase a new or used auto, motorcycle, or recreational vehicle. You can even refinance and switch your current loan from another financial institution to TheState Highway Patrol Federal Credit Union and receive:

RATES AS LOW AS 3.49%APR* So make this the year you begin enjoying life to the fullest!


Killed in the Line of Duty Protection


Auto Loans

Get low rates on new and used automobiles. Our loan officers work for you to approve your loans fast with payment terms that fit your budget and lifestyle. We offer 100% financing for new vehicles and up to 100% of the NADA value of used vehicles (including sales tax), we’ll even help you determine the value of your used car.

Three easy ways to apply

  1. Call (800) 282-3006, Option 5, during business hours

  2. Print a loan application

  3. 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!


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

  • Home equity loans are typically 100% tax deductible (consult your tax adviser)

  • 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. We provide loans directly through the credit union and also through the Sallie Mae Smart Option Student Loan Program.

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 an Ohio accredited school tuition

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.


Sallie Mae® Smart Option Student Loan Program

Now you can pay for college the smart way with three repayment options and competitive interest rates. This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

The Smart Option Student Loan features and benefits

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility

  • No origination fees and no prepayment penalty

  • Rewards and interest rate reductions available

  • Rates that reward creditworthy borrowers

  • Applying with a creditworthy cosigner may help you qualify

  • 100% US-based Student Loan Specialists

Applying online is easy – It only takes about 15 minutes to apply and get a credit result.


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 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).