E-Mails Fraud/Identity Theft Notice:

KimCentral Credit Union will NEVER send you an e-mail asking to verify, update, or provide personal, sensitive financial account information via the internet.

If you feel you are a victim of suspicious e-mails regarding your account, please contact the credit union immediately.

Loan Products

KimCentral Credit Union believes in one on one personal
service from application to closing. Check it out!

Credit Cards

KimCentral MasterCard and Visa Credit Cards are "Incomparable" to the competition. Don't be left in the stone age with cards that charge 18% to 24% APR! It's time YOU discover the right travel companion for vacation, car rentals, hotels, or just everyday purchases.

A low FIXED rate
NO Annual Fee
25 Day Grace Period on purchases
FREE Travel and Accident Insurance
FREE Payments online, over the phone, by check, or in person
Online Access to Statements and Transactional Information

Lost / Stolen Credit Card Numbers please call:

Credit Card 800-325-3678 or 727-570-4881
Credit Card (for International - Collect Call) 727-227-2447

Mortgages

A Variety of Programs Competitively Priced… Preparing for a Mortgage Application can be confusing and frustrating, with loads of paperwork to fill out and forms that just don't seem to make sense. That's why you need US!

At KimCentral, we make borrowing for your new home as smooth and easy as possible. Our professional, friendly staff will assist you through the entire process painlessly. In fact, we do most of the work. Your KimCentral Real Estate Specialist will work closely with you to coordinate details, answer questions you may have, and help you choose the right program to fit your needs. Consider the benefits of working with YOUR Credit Union. We're here to help make your dreams of home ownership come true.

Select from the following Mortgage options:

Fixed Rate 10 - 30 year terms
Balloon Loans of 3 or 5 Years
10 year EZ 123 Mortgage
ARM Products 3/1
Construction Loans
Bridge Loans

Home Equity Financing

Anytime is a GREAT time to plan for some home improvements such as decks, patios, sunrooms, additions, or anything else. If this sounds like something you've been considering, now might just be the right time. The answer to your next home improvement project might be under your nose, or more accurately... all around YOU!

We're talking about your home. Because your home is used to secure the loan, the rates you pay are much lower than on unsecured loans. Plus, another advantage may be the tax deductibility of the interest paid. (Check with your tax advisor for details.)

Auto Loans

The loan specialists at KimCentral Credit Union are here to help make your car buying experience run smoothly. Whether you are in the market for a new or pre-owned vehicle, we have the perfect payment option for your budget. Our flexible financing programs offer up to six-year terms and with the option to make weekly, bi-weekly, or monthly payments. Save on finance charges by making payments more frequently.

Construction Loans

Construction loans at KimCentral are EASY and CONVENIENT. The new home is appraised using the construction documents, builder specs, and the value of the land. Once the appraisal is complete, we will establish a line of credit equal to 80% of the appraised value. The line of credit will be used throughout the construction process to pay for the construction of the home. Your payments during the construction process will be interest only and due on the last day of each month, based on the outstanding balance. Once the home is complete, we move your loan into fixed rate financing at 10-30 year terms.

Boat / Recreational Loans

A boat loan from KimCentral will ensure smooth sailing because of our low rates and flexible terms. So drop anchor and we'll turn your dream boat into reality.

Is a new ATV or Jet Ski in your future? Let KimCentral help with low fixed rates and flexible terms up to 60 months.

Loan Protection

Whenever you take out a loan, you make a number of important decisions. You decide how much to borrow and YOU choose the term. Another decision you'll make is whether to financially protect your loan with Credit Insurance. It's an important decision because it could have an impact on both your family and your credit rating.

Make sure you ask yourself this...Could I afford to make this payment if I became disabled or ill and could not work? If the answer to this question is "No," make sure the answer to Payment Protection Insurance on your next loan is "YES"! For just pennies a day, we'll have YOU covered!!

Overdraft Protection

Savings
Each member with a KimCentral checking account is automatically set up with overdraft protection from their attached savings account. Transfers are made in $100.00 increments. Your check or ACH item is paid as long as your savings account has enough funds to cover the amount of the item.

Check Call
With Check Call, an accounting representative will give you a courtesy call to let you know a check is trying to clear your account. You must deposit the necessary funds by noon. Funds may be brought in or wired to KimCentral.

Overdraft Loan
An overdraft loan protects you in the event you have non-sufficient funds in your checking account. Once you are pre-approved for a specific dollar amount, the funds are automatically transferred from your loan to your checking account when needed.

With these services, your check is never returned. You are saved the embarrassment of a bad check and there is no fee from the creditor.

Personal / Unsecured Loans

Whether you are looking to purchase a computer, consolidate debt, or need to cover one of life's little emergencies, KimCentral has a personal loan to fit your needs with terms and payments to fit your budget.

CD / Stock Secured Loan

Certificate Loans
If you are considering withdrawing money from your certificate, why not borrow the money you need using your certificate? With a certificate loan, your loan is secured by the funds, and you will continue to earn dividends during the term of the loan.

Stock Secured
Wondering if you can use your stock certificates as collateral for borrowing money? Yes you can. The loan is short term and secured using 70% of the stock value as listed in the Wall Street Journal on the date of the loan. Call our Loan Department for more information.

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