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Loans

The Fastest, Easiest Way To Borrow

You'll find our everyday low loan rates and terms easy to fit your budget. What's more, you'll receive the fast, professional, friendly service you only find at KSBCBSCU, where you are a member-owner.

Some other great benefits when you borrow from your credit union include:

  • Prepayment without penalty - members can repay any loan at any time, without a prepayment penalty.
  • Flexible terms - you can choose from a variety of terms, depending on the type of loan.
  • Loan protection - members can add low cost Credit Disability or Credit Life Insurance to most loans.
  • Convenient payroll deduction or automatic payment.

When you are ready to borrow money come to the Kansas Blue Cross Blue Shield Credit Union. We process applications quickly and provide our members with friendly, helpful service. You can APPLY ONLINE at your convenience 24 hours a day!

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Consumer Loans

Auto Loans -- New & Used!

When you are ready to buy a new or used vehicle, make the Credit Union your first stop. We will help you compare financing, sticker prices, discounts, and dealer costs. We can also help determine what your trade in is worth. Our rates are competitive and our terms are flexible. Get preapproved and gain more bargaining power when you negotiate the sale price of your new vehicle. Financing up to 100% of purchase price is available to qualified borrowers.

RV and Boat Loans

For more excitement in your life (or more relaxation), Kansas Blue Cross Blue Shield Credit Union offers leisure time loans for motorcycles, ATVs, boats, personal watercraft, travel trailers, campers, and RVs.

Furniture, Appliance, and Computer Loans

Purchase the new furniture, appliance, or computer of your dreams, and finance it through your Credit Union. Lower interest rates than finance companies or rent-to-own shops mean lower, more comfortable payments.

Savings or Share Certificate Secured Loans

A loan for any purpose, secured by your credit union savings. With a share secured loan, your savings account continues to earn dividends even while it secures your loan.

Line of Credit Loans

A line of credit is the most convenient way to borrow money. After application, you are approved for a specific borrowing limit. Once established, you may use PAT, the Personal Audio Teller, or the CU@Home service to access your loan money. Many members use the Line of Credit as overdraft protection for their checking account.

Credit Cards

Features of a KSBCBSCU credit card include no annual fee, 25-day no-interest grace period and low interest rate. Cash advances and purchases are the same low rate. We offer three different types of VISA® credit cards to fit your lifestyle and needs.

VISA® Credit Card - Premier

  • Variable Annual Percentage Rate, currently at 6.00% and a credit limit as high as $15,000.

VISA® Credit Card – Classic

  • Variable Annual Percentage Rate currently at 8.00% and a credit limit as high as $10,000.

VISA® Credit Card – Basic

  • Variable Annual Percentage Rate currently at 10.00% and an initial credit limit as high as $500. Twelve months of prompt payment history will earn a credit limit up to $1,000.

Real Estate Loans

First Mortgages

Through our partnership with Credit Union Mortgage Services, Kansas Blue Cross Blue Shield Credit Union offers a complete line of mortgage products to meet your individual needs. Many financing options are available and our mortgage lenders will be happy to assist you in determining which product will best meet your needs.

CUMS offers the following mortgage products:
  • 15 & 30 Year Fixed Rate Loans
  • Adjustable Rate Loans
  • VA Loans

If you're considering buying, but don't know where to begin, visit with our mortgage lenders and get a free pre-qualification consultation. Pre-qualification will enable you to shop with confidence knowing the price range you can afford.

Already have a mortgage loan? Consider refinancing. Kansas Blue Cross Blue Shield Credit Union may be able to save you hundreds of dollars every month by offering you a lower interest rate than what you currently have. No refinancing closing costs need to be paid up front. Visit with our mortgage department to see if refinancing will pay off for you.

For more information, go to http://www.capcuso.com/capitolcuso/MortgageServ.asp or call 785-273-9333.

Home Equity Loans

Using the equity in your home is an excellent way to get low-cost credit and take advantage of the tax deductions on real estate loans. A Home Equity Loan lets you use the equity in your home to fund a remodeling project, a college education, a vacation, or any other type of purchase. Kansas Blue Cross Blue Shield Credit Union offers repayment terms of up to 15 years or a revolving Home Equity Line of Credit and the interest you pay on the loan may be tax deductible, within IRS guidelines.  Consult a tax advisor regarding the deductibility of interest.