ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3c.org/TR/1999/REC-html401-19991224/loose.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"><head><title>Hospital System Credit Union</title> <meta content="text/html; charset=unicode" http-equiv="Content-Type"><link rel="Shortcut Icon" href="/favicon.ico"><link rel="stylesheet" type="text/css" href="hscu.css"> <meta name="GENERATOR" content="MSHTML 8.00.6001.18939"> </head> <body bgcolor="#cccccc"> <table border="1" cellspacing="0" cellpadding="0" width="920" bgcolor="#d71144" align=center> <tbody> <tr> <td valign="top"><br> <table border="0" cellspacing="0" cellpadding="0" width="900" background=bg_grad.jpg align=center> <tbody> <tr> <td valign="top" width="209" align="middle"><img src="redsquare.jpg" width=209> <div id="home_left_space"></div><a href="https://www.w-w-i-s.com/HSCMS/account40.asp?pagename=AccountAccess" target=_blank><img border="0" src="login_temp.jpg"></a> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="left_buttons" align="left"><a href="rates.html">RATES</a><br><img src="redline.jpg"><br><a href="forms.html">FORMS</a><br><img src="redline.jpg"><br><a href="privacy.html">PRIVACY POLICY</a><br><img src="redline.jpg"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div><img align="bottom" src="home_bot_right.jpg"> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div><img src="LEFT_amCU.jpg"></td> <td bgcolor="#ffffff" valign="top" width="691"><a href="index.html"><img border=0 src="HSCU_name.jpg"></a> <div id="topbuttons"> <table border="0" cellspacing="0" cellpadding="0" width="689" align="center" height=32> <tbody> <tr align="middle"> <td id="indbutton" width="138"><a href="contact.html">Contact Us</a></td> <td id="indbutton" width="138"><a href="about.html">About Us </a>&nbsp;</td> <td id="midbutton" width="138"><a href="services.html">Services</a>&nbsp;</td> <td id="indbutton" width="138"><a href="index.html">Home</a></td> <td id="indbutton" width="138"><a href="join.html">How to Join</a></td></tr></tbody></table></div><img src="HSCU_Main_Splash.jpg"> <table border="0" cellspacing="0" cellpadding="0" width="685" align=center style="height: 2056px"><tbody> <tr> <td valign="top" width="95%" align="middle"> <div id="home_mid_space"></div> <div id="content_text_left" align="left"> <h1>PRODUCTS AVAILABLE TO MEMBERS</h1> <h2>Loan Accounts-&nbsp; apply by logging in to the Internet Banking link.</h2> <ul> <li>We are dedicated to offering our members personal attention to grant them financing that best meets their needs. Approval is based on creditworthiness, ability to repay, and/or collateral. The interest rate applied is based on your credit score. <li>The Hospital System Credit Union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status. <li>Contact a loan officer for details, at 762-0659 x 307 or 308.</li></ul> <h2>Share Secured Loans</h2> <ul> <li>This loan is secured by your savings account. Your interest rate is 2% above your interest rate on your savings account. Repayment terms are flexible. </li></ul> <h2>First Mortgage</h2> <ul> <li>Fixed rate <li>Mmaximum term 15 yrs <li>Up to 95% financing <li>Qualifications and closing costs apply <li>Call for more details- Special applications required</li></ul> <h2>Second Mortgage</h2> <ul> <li>Fixed rate <li>Maximum term 15 yrs <li>80% loan to value less the balance of the first mortgage <li>Qualifications and closing costs apply <li>Call for more details - Special applications required</li></ul> <h2>Undeveloped Property</h2> <ul> <li>Fixed rate <li>Maximum term 15 yrs <li>80% loan to value <li>Qualifications and closing costs apply <li>Call for more details- Special applications required</li></ul> <h2>Home Equity Line of Credit</h2> <ul> <li>Introductory rate of 3.75% for qualified members <li>Variable rate loan. Initial rate begins at the current prime rate according to the Wall Street Journal as of date of closing, minimum of 4.5% <li>repayment term depends on loan amount, maximum is 15 yrs. <li>no closing costs <li>10 year draw period <li>up to 95% of value - depending on your credit score <li>qualifications apply <li>Call for more details- Special applications required</li></ul> <h2>Household Goods (appliances, computers, funiture)</h2> <ul> <li>100% financing available <li>Up to 5 year term <li>Qualifications apply </li></ul> <h2>Recreational Vehicles (boats, motorcycles ,waverunners,4 wheelers)</h2> <ul> <li>100% financing <li>Up to 7 year term <li>Qualifications apply </li></ul> <h2>New Autos</h2> <ul> <li>100% Financing - not to exceed MSRP + tax and tile fees <li>Up to 7 year term <li>Pre-approval available <li>New car guide available <li>Qualifications apply </li></ul> <h2>Used Autos</h2> <ul> <li>Financing of retail value per NADA <li>7 year term available <li>Qualifications apply </li></ul> <h2>Signature/ Unsecured Loans</h2> <ul> <li>Amount allowed is based on credit history <li>Financing up to 5 years </li></ul> <h2>Stat Cash/ Payday Lending</h2> <ul> <li>For those with Direct Deposit only. Cash just for those tough times!</li></ul> <h2>Insurance</h2> <ul> <li>Payable through payroll deduction <li>Cancer coverage through American Heritage and Life of Alabama. Charlie Lowe, agent call him at 228-860-1025 <li>Loan payment protection - credit life and disability through CUNA Mutual Group</ul> <h2>GAP</h2> <ul> <li>Guaranteed Asset Protection for your auto, boat, motorcycle, or ATV loan. GAP will pay the balance between what you owe and what your insurance company will pay in the event of a total loss. You&#39;ll be glad you have it.</ul></div></td></tr></tbody></table></td></tr></tbody> </table><center><div id="copywrite" align="right">© 2010 Hospital Systems Credit Union</div></center><br></td></tr></tbody></table></body></html>