Loans & Credit Cards
Affordable is what we do best!
Making affordable loans is what credit unions did first, and we still do it best. Our rates are always competitive (usually lower than you can get at a bank) and our consumer loans have no loan fees. If you have higher-rate loans at a bank or other lender, refinancing them at credit union rates – which are determined by your credit history, collateral, and terms of the loan – can cut your monthly payment and total interest paid.
For convenience, you can use payroll deduction to make your payments automatically (available with Oregon Tool and many other employers)!
Auto Financing & Buying Services
We’re your car buying partner. Take a look at the services we offer to help you find, buy, and protect your next new or used vehicle.
RECREATIONAL VEHICLE LOANs
Thinking about a fun new toy? Cutting Edge offers loans to help you finance anything to add a little VROOM to your life. We finance:
- and more!
A straightforward loan that can be used for almost anything.
A personal loan can finance your big plans with no collateral needed. You can choose a term that works for your budget, and have a predictable fixed monthly payment for the life of the loan.
Use a personal loan for education expenses, a family vacation, to buy tools or electronics, or other large purchases! Contact us today to get started on making those big plans a reality.
Now is a great time to buy a home!
Interest rates are at an all time low. Whether you’re looking to buy your first home, refinance your existing mortgage or buy that vacation home you’ve always wanted, let us help you find the mortgage solution that’s best for you. Call or come by the branch today!
Our Account Package members save on their open-end mortgage Origination Fee*
- Pinnacle & Horizon Members pay 0.50%
- Zenith Members pay 0.25%
- Journey Members pay 0.125%
- General Members pay 1.00%
Cutting Edge does business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.Home Mortgage Application Home Equity Application
* An Origination Fee is a percentage of the total loan and covers the costs associated with creating, processing and closing your mortgage. Your loan rate is determined by credit profile, credit history, debt, the ability to repay and collateral value. Subject to credit and collateral approval; other restrictions on property may apply. Financing is available on primary residences in OR, WA or ID. The borrower is responsible for any third party fees, including appraisal, title fees, title insurance, flood determination and/or tax service fees, if applicable.
Break free from high interest debt and save! We’ll show you how.
Simplify bill paying and pay less interest* by consolidating your debt with a personal loan from your credit union. You may pack up and save by consolidating holiday debt, medical bills, store cards and credit cards, and more. If you have a high loan rates with another lenders, consider refinancing with us!Apply Today!
*Terms and conditions apply. See credit union for details. Subject to credit approval. Rate is determined by your creditworthiness.
CU THRU PAYDAY ALTERNATIVE LOAN
Unexpected car repairs, emergency medical bills or other expense leave you a little short on cash?
Don’t pay absurd payday lender interest rates – see Cutting Edge for an alternative to fit your quick cash need.
Our CU THRU Payday Alternative loan will “see you” through until your next paycheck!
- Borrow up to $1000
- No application fee
- No credit report, no hassles
- Low fixed interest rate – just 15% APR*
- Get your money the same day
- Cutting Edge’s CU THRU Payday Alternative loan is a fast and easy way to get the cash you need now
Call or stop by your branch today for more details.
* Annual Percentage Rate (APR). The maximum term is 30 days or the next regular payday. Applicants must be a CECU member, at least 18 years old and have been on their current job for at least 90 days.
SECOND CHANCE AUTO LOANs
Whatever road you’re on, we’ll meet you there.
Even if you have credit challenges, you need reliable transportation. We’re here to help you get there with affordable auto loan payments and solutions to help you afford your ride. If you currently pay over 15% interest on your auto loan, we may be able to help save you hundreds of dollars in interest over the life of the loan* and potentially lower your monthly payment to something more affordable for your budget.
Call or stop by your branch today for more details.
*Based on Annual Percentage Rate (APR), term, and loan amount of existing loan. All credit is subject to approval.
Get more. Give back. Open a new Cutting Edge Visa® Credit Card and for a limited time, you’ll receive:
- $25 Visa gift card for you* to spend like cash on whatever you need
- $25 donated to CU4Kids, a nonprofit benefiting a children’s hospital in your community
Transfer your balances to a Cutting Edge Visa® Credit to save time and money with a low rate**, fewer fees***, and fewer payments to juggle.
Even better – there is no fee for a credit card balance transfer, keeping even more money in your pocket!Apply Today!
*Gift cards will be issued upon loan approval and closing of your credit card loan.**Approval subject to qualification for membership, creditworthiness, and underwriting standards. Finance charges are calculated using a fixed annual percentage rate. See credit union for current rates. All credit union loan programs, rates, terms, and conditions are subject to change at any time.***$15.00 Annual Fee is waived for qualifying Account Packages.