Loan Products

Consumer loans and real estate loans are available to qualified members of our credit union. We also offer loan and asset protection coverage to protect your investment.

Eastern Panhandle Federal Credit Union will make consumer loans to qualified individuals. These loans include (but are not limited to) vehicle, motorcycle, RV and boat loans. They can also include loans for Christmas expenses and vacations. We also have signature loans, shared secured loans and single payment loans.

Eastern Panhandle Federal Credit Union (NMLS # 757344) offers real estate loans for qualified buyers. These loans include land loans, home equity loans and home equity lines of credit

Our mortgage loan officers, Heidi Schmoyer (NMLS #1994981), Lindsay Barnhart (NMLS #1994983) or Tina Sheppard (NMLS #1994988), will be happy to assist you from the time of application to closing. If you would like more information or would like to apply, please call (304)263-2887 to schedule an appointment.

Land and home equity loans are all underwritten in-house by our staff and are serviced in-house at the credit union after closing.

Credit scoring is used to determine rates, terms and other conditions. We use TransUnion to obtain credit reports. Here are our credit score ranges:

Credit Scoring
Credit scoring is used to determine rates, terms and other conditions. We use TransUnion to obtain credit reports. Here are our credit score ranges:

A	700 and above
B	660 to 699
C	630 to 659
D	629 and below

* Contact us if you have any specific questions about credit scoring

MEMBER’S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you.

Credit Life and Credit Disability benefits:

• Immediate coverage for eligible members
• Choosing the insurance that helps to give you peace of mind
• Complements existing insurance

Ask your credit union Loan Officer for full benefits and details! If you prefer, please call 304-263-2887 or visit Eastern Panhandle Federal Credit Union.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms.

Guaranteed Asset Protection (GAP)/Mechanical Repair Coverage (MRC)

GAP protects you in the event your vehicle is totaled and you owe more on it than it is worth. Hence a “gap” between its value and what the insurance will pay. MRC is similar to an extended warranty plan that will protect you against unforeseen repair bills.

Do you know what's in your credit file? If not, you probably should check. You can get a credit report free of charge once every 12 months from each of the nationwide consumer credit reporting companies - Equifax, Experian, and TransUnion. Be sure to go to the official site as this is the only government approved free site: www.AnnualCreditReport.com

If you purchase a vehicle through the Invest in America program, you'll receive great discounts. Your membership with us makes it happen!