Loans & Credit Cards
Affordable is what we do best!
Decisions, Decisions, Decisions …
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 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 Blount, Inc. 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.
Thinking about a fun new toy? Cutting Edge FCU offers loans to help you finance anything to add a little Vroom to your life. We finance:
- Recreational Vehicles
- And more!
Making affordable loans to our members is something we’ve been doing since we opened and we still do it best!
Our rates are always competitive and usually lower than you can get at other financial institutions. And with a Cutting Edge CU Account Package, your loan rate is discounted even more.
If you have a high loan rate with another lender, refinance it with us! With a lower Cutting Edge CU loan rate, you can cut your monthly payment and save on the total interest you pay.
Use a personal loan for big purchases, education expenses, debt consolidation and more!
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 CU does business in accordance with the Fair Housing Act and the Equal Opportunity Act.
* 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.
Consolidate your debt into one low monthly payment. Save interest and pay off your debt sooner.
Pack up your debt and save by consolidating:
- Credit Cards
- Holiday Debt
- Medical Bills
- Store Cards
- And more!
CU THRU PAYDAY LOANS
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 CU for help!
Our CU THRU Payday loan will “see you” through!
- 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 loan is a fast and easy way to get the cash you need now. Call or stop by your branch today.
* Annual Percentage Rate. 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 LOAN
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.
One way or another, through fees or higher rates, you end up paying for credit cards that offer low introductory fees and other incentives.
But what do you really need from a credit card? How about worldwide acceptance, no annual fee (if you are a Zenith, Pinnacle or Horizon member), a low variable rate, and a 25-day grace period?
That’s your Cutting Edge Visa®, a quiet workhorse of a card and a solid financial value. Get one and use it to pay off those higher rate bank cards you carry!Apply Today!