Loan Resources

No matter what your borrowing needs, we’re confident we can help you. Whether you are a member or not, you can visit one of our branches or contact us to apply for any of the following:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person that opens an account.

When you open an account, we will ask for your?

We may also ask to see your driver’s license or other identifying documents.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account.

In all cases, protection of our customers’ identity and confidentiality is our pledge to you.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

Please call us at (800) 672-7211 and ask for a Branch Manager, or visit any one of our branches and we’d be pleased to help you with your loan request.

All loans subject to approval of credit and our lending policies. Your interest rate is based on your credit history. Your term may be based on your purchase price and/or loan amount.

Life is unpredictable. Credit Protection can greatly contribute to your peace of mind and help relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn.

If you're like most people, you may be worried about unexpected, real-life events that could happen during the term of your loan. Things such as losing your job or getting injured that leave you scrambling to pay your monthly bills.

Credit Protection protects you, your family and your credit rating. You have the peace of mind knowing your monthly loan payments will be cancelled in the event of accidental death and suspends payments in the event of death, disability, involuntary unemployment, hospital stay or family leave. With Credit Protection, your consumer or home equity loan payments* will be cancelled or suspended without penalty, added interest, or being reported as delinquent to the credit bureau when one of the covered events occur:

Helps you avoid bills piling up as you try to regain your health and earning capacity. Use as a supplement to any disability coverage you may have at work (which usually only covers 60% of pay).

Gives you assurance during a difficult time that one of your major monthly expenses will be taken care of as you search for new employment.

Provides peace of mind and one less worry while you’re recovering in hospital.

Helps your family with a major expense during a traumatic time – such as the loss of a job or family member.

When you apply for Credit Protection, you have 30 days to review your plan. If you are not satisfied with the plan or if your situation changes, you can cancel it at any time. If you do so within the first 30 days, any fees paid will be refunded.

There are six plans to choose from. Pricing will vary based on the level of coverage you choose and the balance of your loan. There are eligibility requirements, conditions, and exclusions that apply to this plan. If you would like a personalized estimate, please call us at (800) 672-7211 and a Member Service Representative will be happy to help you. Please ask for a copy of the Credit Protection Agreement, which provides additional details and answers to the most frequently asked questions.

Credit Protection: This product is optional. Your purchase of Credit Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with Generations. We will give you additional information before you are required to pay for Credit Protection. This information will include a copy of the contract containing the terms and conditions of Credit Protection. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving Credit Protection benefits. You should carefully read your Credit Protection contract for a full explanation of the terms and conditions of the Credit Protection plan.

Options that may be available to help you avoid foreclosure:

Generations is willing to explore every option possible - but please don’t wait. Contact us as soon as you realize you are having difficulty making your mortgage payments. Our toll-free number is (800) 672-7211.

In order for us to evaluate your eligibility for these options, you should be prepared to present information necessary to assess your financial ability to meet a modified or restructured loan obligation. In general terms such information will include:

Housing counselors and legal assistance may be available at little or no cost to you through government assistance programs.

Statewide Foreclosure Hotline
Toll-free phone number: (877) 894-HOME (4663)

U.S. Department of Housing and Urban Development
Toll-free phone number: (877) 741-3281

The Statewide Civil Legal Aid Hotline
Toll-free phone number: (888) 201-1014

Foreclosure: In order for us to evaluate your eligibility for foreclosure assistance options, you should be prepared to present information necessary to assess your financial ability to meet a modified or restructured loan obligation.