Consumer Loans

Telephone Workers' Credit Union offers a full range of loans to help our members achieve their financial goals.

How much can you afford to borrow? Use our Loan Calculator to help you estimate your monthly payments.

Visa� Credit Card
A Visa credit card from Telephone Workers' Credit Union could be the most valuable credit card you own. You will save on finance charges because our rate is one of the lowest around; you'll have a 25-day grace period before interest starts accumulating on Visa purchases; we offer an exciting package of FREE benefits; and Visa cards are accepted by thousands of merchants around the corner and around the world. Cash advances are also available with your Visa credit card. Apply today by downloading our VISA application. Just print, complete, sign, and return the form to TWCU.

AutoPay - Visa Payments Made Easy!
You can now have your monthly TWCU Visa payment deducted automatically from your share or share draft account. Enroll in our new AutoPay program to eliminate writing checks and mailing payments, and eliminate the rush to beat the payment due date. Click here for more information or to download a request form.

Home Equity Lines of Credit
Our Home Equity line of credit gives you an instant cash reserve to draw on as you need it. You're free to use it to make home improvements, major purchases, consolidate debt, finance an education, take a trip...whatever you like whenever you want it. Better yet, our variable interest rate, which is indexed to the Prime Rate, is one of the lowest rates around.

Fixed Rate Home Equity Loans and Home Improvement Loans
If you have a specific project in mind or need money for other purposes, then one of these loans might be right for you.

Car Loans
At Telephone Workers' Credit Union, we offer low rates, prompt service, pre-approvals, and financing for cars, trucks, and vans. Also, automatic payments can be conveniently arranged from a TWCU account.

Questions about the car buying process? Check out our New Car Buying Coach and Used Car Buying Coach.

Download Our Consumer Loan Application for a Quick Vehicle Loan
Now there are even more ways to apply for a vehicle loan. Use the TWCU Consumer Loan Application to apply for a vehicle or any other consumer loan.

Education Loans
We can help you with college or graduate school costs with a Stafford Loan, a PLUS Loan, or a SLS Loan. Come in and talk to us about the many ways you can finance higher education.

Share Secured Loans, MMDA Secured Loans, and Certificate Loans
These loans use the funds in your Share account, Money Market account, or Term Certificate as collateral for a short-term, low-rate personal loan. The term on a Term Certificate loan must be less than or equal to the remaining term on the certificate.

Personal Loans
With a personal loan from Telephone Workers' Credit Union, you'll have the funds to purchase a new household appliance, take a well-deserved vacation, or just about any other loan need you may have. We want to help you reach your financial goals.

Pay-Off Plastic (POP), Holiday, and Vacation Loans

These one year loans are designed to help you either "Pay Off Your Plastic" (POP), pay for holiday shopping, or finance a much-needed getaway.

Don't forget to check out our great loan rates.

Need more information?
Send our Loan Department an e-mail, complete our feedback form, or give us a call at (617) 439-6500.