Loan Services


With competitive interest rates and a quick and easy application process, CHACO is the best choice for your borrowing needs.

Or call CHACO's 24-Hour Lending Center at (513) 785-3597.

To get a FREE copy of your credit report call Equifax at 1-877-322-8228. Please click here to view helpful information about your credit report.

Vehicle Loans:
Chaco offers low rates with flexible payment options and can finance new and used vehicles including:

  • Automobiles/Trucks/SUVs
  • Boats
  • Motorcycles
  • RVs

All rates are fixed and terms vary from two years to six years.

We also offer loans at the dealership. It's quick and easy. Simply visit a participating car dealership and say you want to finance your new car with Chaco.

Credit Cards:

  • No annual fee
  • No balance transfer fee.
  • Low payments
  • Fixed or variable rates on Visa® Classic, Gold or Platinum
  • Visa® Gold or Visa® Platinum users are enrolled in the ScoreCard Bonus Program and earn one bonus point for each dollar charged. Bonus points can be redeemed for gifts and travel discounts.

Visa® Classic Disclosure - Visa® Platinum Disclosure - Visa® Gold Disclosure
2009 CARD Act

Personal Loans:
Personal loans are here to help you pay for the things you need! Ask how we can help save you money.

  • Consolidate bills
  • Home improvements or repairs
  • New appliances or furniture or other household items
  • Tuition or other education expenses
  • Wedding
  • Vacation

Home Equity Loans and Lines of Credit:
Based on the equity in your home, Chaco can offer either a Home Equity Loan or a Line of Credit. Do whatever you like with the money - consolidate bills, pay for school/payoff school loans, buy a car, make home improvements, repairs, etc. Plus, the interest paid may be tax deductible.*

  • Loan limits up to $100,000
  • Competitive fixed or variable interest rate based on Prime
  • Borrow funds as needed

*Consult a tax advisor.

Holiday Helper Loans:
Just in time for the holiday season, borrow as little as $500 or as much as $2500 and you have up to 12 months to repay. With payments as low as $50 a month; it is easy to fit the affordable payments into your budget.

Member Builder Loans:
This loan is designated to help you build good credit and savings habits. Members can open this loan at a term of less than one year and is available in amounts of $250, $500 or $1000.