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

Low rate loans, apply online here


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:


*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%.


 



Auto Loans

 

low rate car loans in Queens, NY apply here



Whether you're buying a new or used car, or looking to pay off another lender, we've got the Auto Loan rates you deserve.

   
Rates As Low As: >  Same Low Rates for New, Used and Refinanced Cars
2.00% APR   |   48 months >  100% Financing Available
2.25% APR   |   60 months >  .50% Discount for Payroll Deduction Payments*
2.25% APR   |   72 months >  Flexible Terms
2.75% APR   |   84 months >  Pre-Approvals
  >  No Pre-Payment Penalties
  >  No Application or Setup Fees
  >  Borrowing Limits Based on Individual Creditworthiness
  >  Optional Gap Coverage
  >  Optional Credit Life and Disability Insurance
  >>>  Calculate your monthly car loan payment here

 

 
Car Insurance Requirements

Members are required to maintain Comprehensive and Collision insurance coverage on their car for the duration of their Qside car loan term.  To ensure that car 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 car must be insured for both Comprehensive and Collision coverage
  • ‘Comp and Collision deductibles’ cannot exceed $1,000
  • Coverage must be maintained until the car 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 car 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 car 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.

 


*APR = Annual Percentage Rate.
Receive a 0.50% APR discount when you pay off your car loan using Payroll Deduction. Ask us about payment scheduling and the potential for additional savings and discounts. If Payroll Deduction is discontinued, your APR will increase by 0.50%. The lowest APR that Qside will grant is 2.0% APR, including any payroll deduction discounts.



Mortgages

 

Low rate mortgages apply online herePurchasing or refinancing a home is one of the most important financial
endeavors you will undergo. Qside Federal Credit Union offers Mortgages
with very competitive rates to help make your dream home your real home.
 

Click on the Morgage Center button on the right for
rates, details, pre-qualification or pre-approval.

 

Mortgage Features:
  • Purchase or refinance
  • Now offering FHA Loans with as little as 3.5% down
  • 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)


Qside FCU Mortgages 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 members a wide variety of mortgage products and competitive rates without sacrificing the personal service that you're accustomed to.

 

*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. 




 

 



Home Equity Loans & HELOCs


Low rate home equity loans HELOCs apply here
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-Fixsm  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-Flexsm 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




     


Boat, Motorcycle & RV Loans


low rate motorcycle loans boat loans RV loans apply onine here
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
  • Some of the lowest rates around
  • 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%
 



 



Signature Loans



low rate all purpose loans apply online hereA 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
  • Some of the lowest rates around
  • 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%






Secured Loans


low rate secured loans apply online here
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:

  • Some of the lowest rates around
  • 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






Holiday and Vacation Loans

low rate holiday loans low rate vacation loans apply online here


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



     


Overdraft Protection


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
     



     


Credit Life and Disability Insurance



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.




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