We offer affordable consumer loans with competitive rates, local servicing, quick turnaround and staff you can trust. We’re your one stop shop for financial services!
Do you have a high interest rate on your auto loan? Do you owe more than your car’s “book value”?
Ask about how this program may help lower your payments or interest rate and build your savings at the same time!
Borrow And Save
“Borrow and Save” is a safe, convenient small dollar loan ranging from $500 to $1000 with a required savings component. Part of the loan is available immediately and part is held in a savings account that is available to you when you pay off your loan.
Ask how this can help you build credit, savings and avoid or payoff a high rate or “payday advance” loan.
“Simple” 2 is a loan for up to $2,000. We help you develop a Financial Action Plan and you decide how to use the money to advance towards your goals. Timely payments ensure you can use this program over and over to meet your goals!
Ask how good repayment habits can help you access affordable money as you need to secure your financial future?
Personal Overdraft Line of Credit
A personal line of credit is a loan that you access from time to time. You may draw on your line of credit by requesting a transfer to your checking account by phone (fees may apply) or online (free). You may also opt in to overdraft protection and select your personal line of credit as the account used to cover your overdraft. You may be eligible to receive a line of credit that you can use as part of your overall financial plan.
You may apply for a Personal Overdraft Line of Credit (please link to CMC FLEX –Personal Line of Credit) through our secure, web based application system by selecting PERSONAL OVERDRAFT LINE OF CREDIT and completing the information requested. We will review your request and if approved, we will notify you of your line of credit limit.
Having a reliable vehicle in the “Green Mountains” isn’t just convenient, it’s a basic need. We can finance your vehicle or refinance your higher cost auto loan and help you with repairs. Our competitive rates and same day approvals get you where you need to be.
Stewart “ELF” (Emergency Loan Fund)
Do you have an emergency need for a small loan and are not able to find affordable financing? Ask about the ELF and see if it can work for you.
Coming to America
Are you looking to become U.S. Citizen and can’t afford the paperwork? Is the cost of travel, immigration paperwork and medical tests preventing you from reuniting with your family? This program in partnership with the Association of Africans Living in Vermont (AALV), may be right for you. Contact us or AALV to find out more!
Poor credit? No credit? By making timely payments the “Credit Builder” loan may help you build/ improve your credit score and start you on the path to a stronger financial future.
The Independence Fund is an innovative program that offers affordable financing for all types of assistive technology to improve your life including home and vehicle modifications, wheelchairs, scooters, computers, assistive equipment, hearing aids and dentures. Since the fund started it has provided over $2 million in affordable loans to more than 300 Vermonters allowing them to become more independent at home, work and school. Our staff will assist you with your application and with developing an affordable repayment plan considering your income and needs. Apply today!
For business or pleasure, our recreational loans help members take advantage of our great state. Need an ATV or snowmobile, a watercraft for the lake, an RV or motorcycle for wherever the road leads? Let our lenders put together financing that turns your dream into a reality.
Personal / Home Improvement
Looking to make some small home improvements this weekend? Whether upgrading your vintage countertops or replacing that leaky roof, this loan offers a quick process and short term repayment to get your home back on track and paid off fast and affordably.
Ask about special lending programs that may be available to help you grow financially and environmentally.