One of the best benefits you’ll enjoy as a Qside member is our comprehensive list of loan products. 

Whatever it is that you need to finance, we have a variety of lending solutions with our highly competitive rates.  We also offer pre-approval and refinancing for most loans.  And, we’ve designed convenient systems for paying off your loan with options including Payroll Deduction, account transfers as well as online banking or mail payments.   Plus, when you pay off your loan* using Payroll Deduction you can receive a 0.50% APR discount**, as well as more options for payment scheduling and the potential for additional savings.

Choose from Qside’s Loan Products:

• Mortgages
• Home Equity Loans & HELOCs
• Auto Loans
• Boat, Motorcycle & RV Loans
• Signature Loans
• Secured Loans
• Overdraft Protection
• Holiday & Vacation Loans
• Credit Life and Disability Insurance 

*Excludes Overdraft Protection, holiday, vacation and real estate loans as well as stock, share and certificate secured loans.
**If Payroll Deduction is discontinued, your APR will increase by 0.50%.


 

Purchasing or refinancing a home is one of the most

It Doesn't Get Any Easier Than This

Instant Pre-Qualification
Click here to instantly find out if you qualify for a home loan with us.  You'll have an answer within three seconds!  Knowing whether or not you're qualified to buy a home -- how much you can afford -- doesn't get any easier or faster than this. 

Personal Rate Quote 
For a personal rate quote and monthly payment calcuation that's specific to your personal loan scenario, click here (you may need to click on "Personal Rate Quote" on the left menu).

Daily Mortgage Rates
Click here for daily mortgage rates.  Due the numerous criteria that goes into determining a final rate, please note that your rates could be slightly better or higher than the rates presented on this page.

Online Mortgage Center 
Visit our Online Mortgage Center* for complete information on rates, application procedures, payment options and more helpful information about purchasing a home.


Mortgage Features:

• Purchase or refinance
• Fixed rate mortgage terms of 10, 15, 20, 30 and 40 years
• Adjustable Rate Mortgages (ARMs), amortized for up to 30 years
• Borrowing limits based on your individual creditworthiness
• Eligible property types include 1 to 4-family residential properties, attached or detached properties, condominiums, townhouses and planned unit developments (PUD)
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow

CU Members Mortgage

Loans are underwritten by CU Members Mortgage, a division of Colonial Savings (CUMCS), in accordance with FNMA and FHLMC guidelines.  Partnering with CUMCS allows Qside FCU to offer its members a wide variety of mortgage products and competitive rates without sacrificing the personal member service to which you are accustomed.

*This secure site is governed by CU Members Mortgage’s online privacy practices and policies and Qside is not responsible for the site's performance or content. 




 

Whether you need funds for home improvement, taxes, medical expenses, college, a wedding, or debt consolidation, you can pay for it with a Qside Home Equity Loan or HELOC (Home Equity Line of Credit).  

Equi-Fix^sm  Home Equity Loans 

Get all the money you need at once and lock in low fixed-rates at the same time.

• Fixed-rate loan
• Funds are lent at once , in one lump sum
• Refinancing available
• Borrowing limits based on your individual creditworthiness
• Customize your repayment schedule with terms of up to 15 years
• Pre-set monthly payments for the entire term of your loan
• Pre-pay your balance without penalty
• Interest may be tax deductible (check with your tax advisor)
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
• Credit Life and Disability Insurance available

Equi-Flex^sm HELOC

With this revolving line of credit, you can borrow a little or borrow a lot – as often as you want. 

• Variable-rate line of credit
• Borrowing limits based on your individual creditworthiness
• Flexibility – borrow funds only as you need them
• Serves as a safety net for unexpected expenses
• Only pay interest on what you actually spend
• 10-year access period
• Customize your repayment schedule with terms of up to 15 years
• Pre-pay your balance without penalty
• Interest may be tax deductible (check with your tax advisor)
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
• Credit Life and Disability Insurance available
  
  
  
  
   

Whether you’re purchasing a new or used vehicle, or are interested in refinancing a current loan with a new lower rate, Qside can help you finance a car today.

Don't forget to visit our News & Promotions page to check for current auto loan promotions!  


Features:

• Loans for both new and used cars or refinance a current loan for a better rate
• Terms of up to 48 months and 60, 72 or 84 months
• Great low rates
• Receive a 0.50% APR discount* when you pay off your loan using Payroll Deduction, as well as more options for payment scheduling and the potential for additional savings
• Borrowing limits based on your individual creditworthiness
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
• Pre-pay your balance without penalty
• Credit Life and Disability Insurance available
• Click here to calculate your monthly car loan payment
    

Vehicle Insurance Requirements

Members are required to maintain Comprehensive and Collision Insurance Coverage on their vehicle for the duration of their Qside loan term.  To ensure that vehicle collateral is protected, Qside monitors its Auto Loans for proper coverage.  Requirements for your insurance policy: 

• Qside Federal Credit Union must be included on the policy as a lienholder or loss payee
• The vehicle must be insured for both Comprehensive and Collision Coverage
• ‘Comp and Collision deductibles’ cannot exceed $1,000
• Coverage must be maintained until the loan is paid in full

Guaranteed Asset Protection (GAP)

Qside’s GAP coverage protects members against potentially high-cost, out-of-pocket expenses in the event that their vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss.  Under these conditions, GAP pays the difference between the amount of your Qside loan and the insurance company’s estimated cash value of the vehicle at the time of the event.

Qside offers GAP coverage at costs that are usually significantly lower than GAP coverage offered by auto dealerships.   Talk to your loan representative about how much you could save if you opt to purchase this valuable coverage from Qside.



*If Payroll Deduction is discontinued, your APR will increase by 0.50%.  The lowest APR that Qside will grant is 3.5% APR, including any payroll deduction discounts.

New or used, Qside can help you purchase the boat, motorcycle or RV of your dreams.  We can also refinance your current loan with a new lower rate.

Features:

• Loans for both new and used boats, motorcycles and RVs, or refinance a current loan for a better rate
• Boat and RV Loans with terms of up to 48 months and 60, 72, 84 or 120 months
• Motorcycle Loans with terms of 48 months
• Great low rates
• Receive a 0.50% APR discount* when you pay off your loan using Payroll Deduction, as well as more options for payment scheduling and the potential for additional savings
• Borrowing limits based on your individual creditworthiness
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
• Pre-pay your balance without penalty
• Credit Life and Disability Insurance available
• Click here to calculate your boat/RV/motorcycle monthly payment

Vehicle Insurance Requirements

Members are required to maintain Comprehensive and Collision Insurance Coverage on their vehicle for the duration of their Qside loan term.  To ensure that vehicle collateral is protected, Qside monitors its Boat, Motorcycle or RV Loans for proper coverage. 

Requirements for your insurance policy: 

• Qside Federal Credit Union must be included on the policy as a lienholder or loss payee
• The vehicle must be insured for both Comprehensive and Collision Coverage
• ‘Comp and Collision deductibles’ cannot exceed $1,000
• Coverage must be maintained until the loan is paid in full

Guaranteed Asset Protection (GAP)

Qside’s GAP coverage protects members against potentially high-cost, out-of-pocket expenses in the event that their vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss.  Under these conditions, GAP pays the difference between the amount of your Qside loan and the insurance company’s estimated cash value of the vehicle at the time of the event.

Qside offers GAP coverage at costs that are usually significantly lower than GAP coverage offered by auto dealerships.   Talk to your loan representative about how much you could save if you opt to purchase this valuable coverage from Qside.


*If Payroll Deduction is discontinued, your APR will increase by 0.50%
 



 

A Qside Signature Loan is a low-rate borrowing solution for any need.  If you need money for debt consolidation, school, unexpected expenses, or a computer – whatever it may be – a Qside Signature Loan can help you.

Features:

• Loans for any purpose
• Terms of up to 72 months
• Great low rates
• Borrowing limits based your individual creditworthiness
• Receive a 0.50% APR discount* when you pay off your loan using Payroll Deduction, as well as more options for payment scheduling and the potential for additional savings
• Pre-pay your balance without penalty
• Ideal for debt consolidation – pay off your existing bills and debt immediately, then make just one low payment each month to repay the Qside Personal Loan.
• Credit Life and Disability Insurance available

*If Payroll Deduction is discontinued, your APR will increase by 0.50%

Qside Secured Loans use the funds in your Savings or CD account as collateral.  You can also use ConEd common stocks as collateral to take out a Qside Secured Loan. 

Features:

• Low rates
• Borrowing limits based on collateral amount and individual creditworthiness
• Savings and CD-secured loans with terms of up to 48 months, 84 months and 120 months
• ConEd common stock-secured loans with terms of up to 60 months*
• For savings and CD-secured loans, collateral will be frozen in amounts equal to your descending loan balance as you pay off the loan. 
• For stock secured loans, the actual stock certificate must be given to Qside for holding until the loan is paid in full
• Pre-pay your balance without penalty
• Credit Life and Disability Insurance available

*Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months

An Overdraft Protection line of credit is a convenient service that works as a revolving line of credit to pay for checking account transactions when your checking account holds insufficient funds.  With an Overdraft Protection line of credit, you never have to worry about a bounced check or other checking account clearances.

Features:

• Revolving line of credit
• No fee per individual overdraft transaction
• 16% interest rate on overdraft balances
• Overdraft limits are based on individual creditworthiness
• Credit Life and Disability Insurance available
   
  
  
  
   

Qside offers two seasonal loan specials to help members plan ahead for holiday spending and summer vacations.  With our Holiday and Vacation
loan specials, members can have peace of mind, knowing they can apply for
a new loan during these heavy-spending seasons.

Holiday Loans

Are you financially equipped for the holiday season?  Whether your holidays involve gift shopping, holiday parties or a winter trip, turn to Qside’s Holiday Loan to pay for it all.

• Competitive rates
• Terms of up to 18 months
• Borrow up to $5,000
• Available during the holiday season

Vacation Loans

If you’re planning a trip and need some extra money, make Qside your first stop.  Take out a loan before the trip and you’ll know how much you have to spend and how you’re going to pay for it when you get home. 

• Competitive rates
• Terms of up to 18 months
• Borrow up to $5,000
• Available during the summer season
   
  
  
  
   

Is your family financially prepared to pay off your loan if your income were eliminated or reduced due to an unfortunate event such as a disabling injury, illness or unexpected death?

Protect your family’s financial future by taking advantage of Credit Life and Disability Insurance.  This affordable coverage protects your family, credit history and collateral in the event of sickness or death, preventing your loved ones from inheriting unexpected debt.

Features:

• Protects your family from inheriting the debt you may leave as a result of a misfortune such as a disabling injury, illness or unexpected death
• In the event of your death, your eligible loan balance is reduced or paid off*
• Add Credit Life and Disability insurance to a new or existing loan
• Available on most Qside loans with the exception of first mortgage loans
• Coverage begins immediately
• Payment premiums are added to your monthly loan payment
• For details and further information, click here
• Calculate your insurance needs
• To apply, call Qside to speak with one of our loan officers

This insurance product is offered through MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CUNA Mutual Insurance Society.

*Read the Credit Insurance Application and Certificate of Insurance for exact terms, conditions and exclusions of the policy.  Eligibility requirements including age maximums, working requirements and health questions may apply.  Benefits may be subject to a waiting period. The policy may include maximum coverage or benefit amounts and/or durations.  Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply.