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  Products > Loans

We offer loans to make all of your dreams come true. If you need money, we have a loan to meet the need. After you have established membership you can apply in person or by telephone. We can process your application in a matter of minutes and have you on your way.

New & Used Vehicle Loans
Signature (Personal) Loans
Share/CD Secured Loans
New & Used Watercraft Loans
New & Used Recreational Vehicle Loans
New & Used Motorcycle Loans
Other Secured Loans
Home Equity Loans
First Mortgages
Classic Visa
Gold Visa
Platinum Visa

Share Secured Visa


New auto loans

Loans on current and previous year automobiles for a maximum term of 60 months (72 months for an additional .25% added to rate). We finance up to 100% of purchase price plus tag, title, and tax.


Used auto loans

Loans on automobiles 2-7 years old for a maximum term of 48 months (60 months for an additional .25% added to rate). We finance up to NADA retail value.


New Recreational Vehicles and Boats

Loans on current and previous year RVs and Boats. Terms vary by year model. Used Recreational Vehicles and Boats: Loans on RVs and Boats 2-7 years old. Terms vary by year model.


New Watercraft and Motorcycles

Loans on current and previous year Personal watercraft and Motorcycles for a maximum term of 60 months.


Used Watercraft and Motorcycles
Loans on Personal Watercraft and Motorcycles 2-7 years old for a maximum term of 48 months.

Other Secured

Loans for purchase money on Household appliances, Audio/Visual equipment, Personal Computers, Lawn and Garden equipment, All terrain vehicles and Farm equipment. The maximum term is 36 months.


Share Secured

Loans using shares in a member's account as collateral. Funds remain in share account and continue to accrue dividends. The maximum term for single pay is 6 months and maximum payment term is 120 months.


CD Secured

Loans using a Certificate of Deposit at Bison Federal Credit Union as collateral. The term is the same as the term of the Certificate. The interest rate is 2% above the rate being paid on the certificate.

Signature
Loans made without collateral based on the member's good credit history and promise to pay. Maximum loan amount is 15% of annual income to a maximum of $10,000.00. Terms vary depending on amount borrowed.

Second Mortgage
Equity loans on owner occupied dwellings. Terms vary depending on amount borrowed.


First Mortgages

Loans for purchase money of a primary residence or investment property.


Classic Visa

No annual fee
Credit line from $500 to $5000
14.9% a.p.r
$250,000 Travel/Accident Insurance


Gold Visa

No annual fee
Credit line from $5000 to $10,000
11.9% a.p.r.
$400,000 Travel/Accident Insurance
Extended manufacturer's warranty/purchase protection
Auto rental collision protection


Platinum Visa

No annual fee
Credit line from $10,000 to $20,000
8.9% a.p.r.
$500,000 Travel/Accident Insurance
Extended manufacturer's warranty/purchase protection
Auto rental collision protection

Share Secured Visa
$500.00 minimum deposit
11% a.p.r.