Consumer Loans

New Auto Loans

Elko Federal Credit Union can finance that new auto you have been thinking about. We offer new auto financing at competitive rates and terms. New autos can be financed for up to 100% of purchase price. We offer up to a seven year term for new auto financing.

Used Auto Loans

Elko Federal Credit Union can finance used autos with competitive rates and terms. Vehicles up to five years old can be financed for up to 100% of low book value. We also offer financing for vehicles older than five year models. We offer up to six year terms on these vehicles. Classic vehicles are welcome too.

Recreational Vehicles

 Are you ready to get out on the open road, taking the comforts of home with you? Blaze mountain trails on your sporty ATV? Whatever your recreational endeavor may be, we can help finance a vehicle to get you out there!

• Financing up to 100%
• Loan terms up to 15 years
• Finance RVs, ATVs, boats, motorcycles, jet skis and more!

Travel Trailers

Elko Federal Credit Union also offers terms for both new and used travel trailers. New travel trailers can be financed for up to 100% of purchase price. Loan terms up to 15 years are available depending on the loan amount. Used travel trailers can also be financed for up to 100% of purchase price with a maximum loan term of 10 years.

Mortgage Loans

Buying a home is a very exciting time. It can also be a very confusing process without an experienced partner by your side to help you through. Whether you’re a first-time homebuyer or looking to make a move into a new home, we have loan products to help get you into your dream home. Let's get started on your home buying journey!

• Conventional fixed and adjustable rate mortgages
• VA, FHA and USDA loans
• Primary, secondary and investment home loans
• Financing up to 100% 
• Terms up to 30 years
• And more!

Kathy Swimley

Mortgage Loan Originator, NMLS #229953

kswimley@elkofcu.org

Direct: 775.397.7997

Office: 775.738.4142

Home Equity

If you're looking to make home improvements, buy new furniture, pay for college tuition...or even consolidate debt, a Home Equity Line of Credit could be the right choice for you. You may use your home's equity to make fund projects, unexpected expenses and more - it's your choice!

• Low, competitive rates
• Lines of credit up to 100% LTV
• Use funds however you choose

Unsecured Loans

Elko Federal Credit Union has personal loans available for up to $20,000.00 to help manage your smaller financing needs for just about any purpose. Vacations, weddings, school tuition and supplies, automobile repairs, home improvements, or just some unexpected expense that requires more funds than you have readily available. These small loans are fully amortized for up to five years and are available to credit union members without any loan fee.

Gap Insurance

Vehicle values decline rapidly. That's why your insurance settlement, in the event of an accident, may not cover your entire loan balance. Unless, of course, you have Guaranteed Asset Protection (GAP)! Gap is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled).

Features of an Elko Federal Credit Union's Guaranteed Asset Protection (GAP):

• Waives the difference between your primary insurance settlement when your vehicle is totaled or stolen
• Provides $1,000 towards the financing of your replacement vehicle with Elko Federal Credit Union
• Available on new or existing loans with loans terms of up to 7 years
• Elko Federal Credit Union will also provide you Auto Deductible Reimbursement for FREE! - This reimburses your insurance deductible for three years, twice a year.