Be Part of the Community
When you do business with a credit union or a local bank, you are helping to support an entire community. Many credit unions and local banks have neighborhood roots, and are dedicated to investing in the individuals and small business owners who live and work there. Credit unions and local banks often provide many of the same financial services that bigger banks offer—but typically at far less cost. Because their focus is on providing value to members, credit unions can offer more competitive rates and affordable terms to their members, such as lower APRs for student loans and mortgages, and no (or low) minimum balances for accounts.
Members of credit unions and community banks often report experiencing better customer service and more personal attention. And your accounts are safe! The National Credit Union Share Insurance Fund, which is backed by the U.S. government, insures federally chartered and many state chartered credit unions. The Fund, similar to the FDIC for bank deposits, insures individual accounts up to $250,000.
Applying is Quick & Easy!
1. Apply Online
The entire application process takes place on www.lendkey.com, avoiding middlemen and passing the savings on to you! Start by using our calculator to estimate your monthly payments and see how much you can save.
2. Compare Rates
Compare the rates and offers that are available to you from the lenders and choose the plan that's best for you.
3. Select Lender
Once you select which lender you want to use, you'll start the application process. Because the entire process uses LendKey's technology, your personal information is safe!
4. Upload Documents
Verify your identity and provide documents through our online portal. We'll review your documents, credit information, and let you know once your loan has been approved!
Advantages of Credit Unions & Community Banks
Low or no minimum balances to maintain accounts.
Low Rates, Low Fees
& Better Savings
Lower APR on most loan types. Better rates of return on savings accounts and certificates of deposit. Low fee or no fee checking accounts and ATM access.
Peace of mind with U.S. Government insured accounts up to $250,000.