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Loan Products

Mortgages

Mortgages

Owning a home is a cornerstone of the American Dream and buying one is the single largest purchase most people make in their lifetime. Let our team of experienced mortgage experts guide you through this process, whether you’re a first-time buyer or an old pro. Not quite ready to take the plunge? Our Home Buying Center is full of great information to help you get from thinking about it to moving day.


First Time Home-Buyers

You decided to make the leap. You attended a dozen open houses and explored so many more homes online before discovering The One. But that’s just the tip of the iceberg. Let our caring & knowledgeable mortgage specialists guide you from finding that perfect house to move-in day.

Refinancing

A lot can change over the life of a mortgage. Refinancing can help you own your home sooner, lower your monthly payments, switch to a lower fixed rate or some combination of these opportunities. Our mortgage specialists are standing by to help you assess your specific situation.

Home Equity Loans

Home Equity Loans

Buying a house is the single largest investment most of us will make. Over time, the value built up in a home becomes a tremendous asset. Call Federal’s home equity loans allow you to turn that value into much-needed cash for improvement projects, debt consolidation, college tuition, or any number of large expenses.


Favorable Rates

Using the value in your home to secure your loan allows you to receive a much better interest rate on the money you’re borrowing. View current rates.

A Variety of Uses

Once you’ve been approved for your home equity loan or line of credit, there’s no restriction on what those funds can be use for. Home repairs and upgrades, college tuition, debt consolidation, and paying for a wedding are just a few of the expenses that members have used their home equity lines and loans on.

Flexible Funding & Repayment Options

Each of our home equity products provides members a choice in how they would like to receive and payback what they have borrowed, from interest-only payments throughout the draw period to a fixed-rate second mortgage where all the funds are disbursed at loan closing. We’ll work with you to find the right fit for your family and situation.

Vehicle Loans

Vehicle Loans

The Internet has completely changed the game when it comes to shopping for a car, so why is actually buying one still a hassle? The awkward conversation with a salesman, the forever-long wait for the finance manager? There ought to be a better way! Well, now there is…

Combining the convenience of Check-In-Hand auto loans with the power of TrueCar to provide price transparency and a nationwide dealer network, Pathfinder Federal Credit Union’s Car Buying Program is truly the best way to buy a new vehicle. Whether you apply online, by phone, or in-person at one of our branch locations, you’ll receive a check for the amount you qualify for, ready to be signed and handed over to the licensed dealer of your choice. Planning on shopping today? We can have your loan check delivered to your home or workplace by courier! It’s never been easier to shop & buy with the confidence of a cash buyer, knowing you’ve got your financing all lined up. When you buy a car the Pathfinder Federal Credit Union way, you’ll go from Check-In-Hand to keys in hand!

Favorable Rates, Great Service

Credit unions are known for having great rates on car loans and Pathfinder Federal Credit Union is no different. More importantly, our members enjoy the superior service and personal commitment of our dedicated staff.

Refinancing

Interest rates change. Credit improves. These are just a couple reasons that might lead one to refinance a vehicle loan. Last year, Pathfinder Federal Credit Union members saved an average of $85* a month by refinancing. You could save too! Our car loan specialists are eager to help you assess your specific situation.

*Monthly reduction based on average of refinancing loans with interest/payment savings compared to prior monthly payments. Reductions can be a result of a lower interest rate, a longer term, or both. Savings may vary.

Finance Other Vehicles

We’re proud to offer our members the financing they need for motorcycles, boats and other watercraft, as well as larger recreational vehicles, including RVs and campers. Choose from the options below to get started.


Protect Your Investment

Through our partnership with CUNA Mutual Group, Pathfinder Federal Credit Union offers its members valuable insurance products with great rates that help protect them from life’s unexpected events. Ask your loan consultant if these products are right for you.


Guaranteed Asset Protection (GAP) Plus

A wrecked vehicle can really wreck your finances if you owe more on your loan than your insurance company will pay for your totaled vehicle. With Pathfinder Federal Credit Union’s Guaranteed Asset Protection (GAP) Plus program, we help you cover that difference, sparing you from a potentially large financial burden when you’re already dealing with the loss of a vehicle. The “Plus” part of this offer comes in the form of up to $1000 to put towards a replacement vehicle when you finance with us*. We cover loan terms up to 84 months, loan-to-value (LTV) up to 130%; all for the low, one-time cost of $599!

TruStage Auto Insurance

When was the last time you compared auto insurance rates? If it’s been awhile, you owe it to yourself to get a quote from TruStage! They work closely with select insurance partners to offer Pathfinder Federal Credit Union members discounted rates to fit a variety of coverage needs.

Extended Warranty (Mechanical Repair Coverage)

You depend on your car to get you where you need to go. Doesn’t it always seem like unexpected repairs crop up right after the manufacturer’s warranty expires? With Mechanical Repair Coverage (MRC), you’ll gain extended coverage, limit the burden of costly breakdowns and get back on the road.

Personal Loans

Personal Loans

The kid needs braces. The fridge is on the fritz. The transmission finally goes. It’s going to take a little more cash than you keep on-hand and the repair shop is more than happy to let you pay-over-time, but at what cost? Pathfinder Federal Credit Union’s personal loan programs were created with exactly these occasions in mind.


Signature Loans

Our signature loans allow you to borrow with the peace of mind that your rate will not change and there are no origination or prepayment fees.  We will help you develop manageable and predictable payments with flexible payment terms up to 84 months.

Personal Line of Credit

Available to all members with a Pathfinder Federal Credit Union checking account, this “just in case” line of credit can be used for unexpected expenses, vacation, home renovations, weddings, and even overdraft protection. There are no fees for advances and no collateral needed. Funds are accessible via online banking, visiting a branch, using your debit card, or by giving us a call.

Share Secured Loans

An account where the money you’ve saved actually saves you money? Very clever! By using your long-term savings as collateral, our Share Secured Loans have lower rates and flexible terms that can help you reach your financial goals faster. This program is also excellent for savers in need of a second chance at building good credit.

Share Certificate Loans

Members who hold long-term Share Certificates (our equivalent of CDs) can borrow against those accounts without penalty up until the certificate matures, a convenient way to manage an unexpected expense without compromising your long-term savings plan.

A bigger home for your growing family. A vehicle that accommodates more than one car seat. Paying for college. The little repair that becomes a month-long project. For all the times that life demands a bit more cash than we have on hand, Pathfinder Federal Credit Union’s dedicated lending team is here to get you the funds you need, with the right loan for your specific situation.

Mortgages

Owning a home is a cornerstone of the American Dream and buying one is the single largest purchase most people make in their lifetime. Let our team of experienced mortgage experts guide you through this process, whether you’re a first-time buyer or an old pro. Not quite ready to take the plunge? Our Home Buying Center is full of great information to help you get from thinking about it to moving day.


First Time Home-Buyers

You decided to make the leap. You attended a dozen open houses and explored so many more homes online before discovering The One. But that’s just the tip of the iceberg. Let our caring & knowledgeable mortgage specialists guide you from finding that perfect house to move-in day.

Refinancing

A lot can change over the life of a mortgage. Refinancing can help you own your home sooner, lower your monthly payments, switch to a lower fixed rate or some combination of these opportunities. Our mortgage specialists are standing by to help you assess your specific situation.

Home Equity Loans

Buying a house is the single largest investment most of us will make. Over time, the value built up in a home becomes a tremendous asset. Call Federal’s home equity loans allow you to turn that value into much-needed cash for improvement projects, debt consolidation, college tuition, or any number of large expenses.


Favorable Rates

Using the value in your home to secure your loan allows you to receive a much better interest rate on the money you’re borrowing. View current rates.

A Variety of Uses

Once you’ve been approved for your home equity loan or line of credit, there’s no restriction on what those funds can be use for. Home repairs and upgrades, college tuition, debt consolidation, and paying for a wedding are just a few of the expenses that members have used their home equity lines and loans on.

Flexible Funding & Repayment Options

Each of our home equity products provides members a choice in how they would like to receive and payback what they have borrowed, from interest-only payments throughout the draw period to a fixed-rate second mortgage where all the funds are disbursed at loan closing. We’ll work with you to find the right fit for your family and situation.

Vehicle Loans

The Internet has completely changed the game when it comes to shopping for a car, so why is actually buying one still a hassle? The awkward conversation with a salesman, the forever-long wait for the finance manager? There ought to be a better way! Well, now there is…

Combining the convenience of Check-In-Hand auto loans with the power of TrueCar to provide price transparency and a nationwide dealer network, Pathfinder Federal Credit Union’s Car Buying Program is truly the best way to buy a new vehicle. Whether you apply online, by phone, or in-person at one of our branch locations, you’ll receive a check for the amount you qualify for, ready to be signed and handed over to the licensed dealer of your choice. Planning on shopping today? We can have your loan check delivered to your home or workplace by courier! It’s never been easier to shop & buy with the confidence of a cash buyer, knowing you’ve got your financing all lined up. When you buy a car the Pathfinder Federal Credit Union way, you’ll go from Check-In-Hand to keys in hand!

Favorable Rates, Great Service

Credit unions are known for having great rates on car loans and Pathfinder Federal Credit Union is no different. More importantly, our members enjoy the superior service and personal commitment of our dedicated staff.

Refinancing

Interest rates change. Credit improves. These are just a couple reasons that might lead one to refinance a vehicle loan. Last year, Pathfinder Federal Credit Union members saved an average of $85* a month by refinancing. You could save too! Our car loan specialists are eager to help you assess your specific situation.

*Monthly reduction based on average of refinancing loans with interest/payment savings compared to prior monthly payments. Reductions can be a result of a lower interest rate, a longer term, or both. Savings may vary.

Finance Other Vehicles

We’re proud to offer our members the financing they need for motorcycles, boats and other watercraft, as well as larger recreational vehicles, including RVs and campers. Choose from the options below to get started.


Protect Your Investment

Through our partnership with CUNA Mutual Group, Pathfinder Federal Credit Union offers its members valuable insurance products with great rates that help protect them from life’s unexpected events. Ask your loan consultant if these products are right for you.


Guaranteed Asset Protection (GAP) Plus

A wrecked vehicle can really wreck your finances if you owe more on your loan than your insurance company will pay for your totaled vehicle. With Pathfinder Federal Credit Union’s Guaranteed Asset Protection (GAP) Plus program, we help you cover that difference, sparing you from a potentially large financial burden when you’re already dealing with the loss of a vehicle. The “Plus” part of this offer comes in the form of up to $1000 to put towards a replacement vehicle when you finance with us*. We cover loan terms up to 84 months, loan-to-value (LTV) up to 130%; all for the low, one-time cost of $599!

TruStage Auto Insurance

When was the last time you compared auto insurance rates? If it’s been awhile, you owe it to yourself to get a quote from TruStage! They work closely with select insurance partners to offer Pathfinder Federal Credit Union members discounted rates to fit a variety of coverage needs.

Extended Warranty (Mechanical Repair Coverage)

You depend on your car to get you where you need to go. Doesn’t it always seem like unexpected repairs crop up right after the manufacturer’s warranty expires? With Mechanical Repair Coverage (MRC), you’ll gain extended coverage, limit the burden of costly breakdowns and get back on the road.

Personal Loans

The kid needs braces. The fridge is on the fritz. The transmission finally goes. It’s going to take a little more cash than you keep on-hand and the repair shop is more than happy to let you pay-over-time, but at what cost? Pathfinder Federal Credit Union’s personal loan programs were created with exactly these occasions in mind.


Signature Loans

Our signature loans allow you to borrow with the peace of mind that your rate will not change and there are no origination or prepayment fees.  We will help you develop manageable and predictable payments with flexible payment terms up to 84 months.

Personal Line of Credit

Available to all members with a Pathfinder Federal Credit Union checking account, this “just in case” line of credit can be used for unexpected expenses, vacation, home renovations, weddings, and even overdraft protection. There are no fees for advances and no collateral needed. Funds are accessible via online banking, visiting a branch, using your debit card, or by giving us a call.

Share Secured Loans

An account where the money you’ve saved actually saves you money? Very clever! By using your long-term savings as collateral, our Share Secured Loans have lower rates and flexible terms that can help you reach your financial goals faster. This program is also excellent for savers in need of a second chance at building good credit.

Share Certificate Loans

Members who hold long-term Share Certificates (our equivalent of CDs) can borrow against those accounts without penalty up until the certificate matures, a convenient way to manage an unexpected expense without compromising your long-term savings plan.

If you would like to work with a credit union that understands your unique needs as an individual, not one that treats you like a number, turn to Pathfinder today. Pathfinder offers decades of experience in providing friendly, efficient and effective financial services in Wyoming. We have three physical locations in Wyoming in addition to an online virtual teller and bill payment for your convenience.

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We are your credit union. We are here for you. Which means you can talk with us at anytime. Don’t settle for anything less than the best when it comes to your financial services needs. Stop by any one of our three locations in Wyoming today to get started. We look forward to working with you.

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