LOANS

Affordable Financing with Competitive Rates

Loans
Whether you're purchasing a vehicle, consolidating debt, or planning your next adventure, we offer affordable financing with competitive rates and personalized service.

  • Competitive loan rates
  • Flexible repayment terms
  • No prepayment penalties
  • Local decisions with friendly service
  • We rate match or will beat it!

Refinance & Save

Already have a loan somewhere else? Refinancing with us could lower your monthly payment, reduce your interest rate, or help you pay off your loan sooner.

Our team will review your current loan and help determine whether refinancing makes sense for your financial goals.

Why Refinance? 

  • Lower payments
  • Competitive rates
  • Fast, simple process

Loan Options

  • New and Used Auto
  • Motorcycles
  • Recreational Vehicles
  • Share Secured
  • Personal/Unsecured
  • Debt Consolidation
Apply Now

ACCOUNTS

Accounts That Fit Your Financial Goals

Share Savings Accounts
Open your membership with a $5 minimum deposit and gain access to all the products and services South Bend Transit FCU offers.

  • Membership starts with just $5
  • Access to loans and additional services
  • Eligible family members may also join

Christmas Club Accounts
Save throughout the year for holiday expenses with automatic deposits and receive your funds before the holiday season.

Great for:

  • Holiday shopping
  • Seasonal travel
  • Annual expenses

 

Share Certificates
Grow your savings with competitive dividend rates and fixed terms.

  • $5,000 minimum opening deposit
  • Fixed terms available
  • Safe, predictable earnings

Contact us for current certificate rates and available terms. 

Open an Account

Member Benefits

Enjoy more than just great rates. Membership comes with valuable services designed to make banking easier.

Courtest Pay- Overdraft protection that helps cover eligible transactions when funds are temporarily unavaiable.

Direct Deposit- Set up direct deposit to receive your paycheck faster and enjoy added convenience.

Loan Protection- Optional credit life and disability insurance can help protect your loan and your family in the even of illness, injury, or death.

ACH Transfers- Easily transfer funds between your South Bend Transit FCU account and accounts at other financial institutions.

Digital Banking- Access your accounts anytime with secure online and mobile banking.

Free Notary Service- Members receive complimentary notary services.

Financial Education- Need help budgeting, improving your credit, or managing debt? We're here to help.

Reloadable Debit Cards

Screenshot 2026-08-06 141754

CUMONEY Visa Everyday Spend Card- A reloadable prepaid card that helps members manage spending without the risk of overdraft.

Highlights:

  • $10 minimum load
  • Up to $5,000 maximum balance
  • Daily ATM and purchase limits
  • Great for budgeting and travel

Protection Plans

M-care logo

Protect your vehicle from unexpected repair costs with extended warranty coverage for new, used, high-mileage, and electric vehicles.

Features:

  • Flexible coverage options
  • Deductibles from $0-$500
  • Coverage for many vehicle types

v69qwuob

Help protect your finances if an unexpected life event affects your ability to make loan payments.

Benefits:

  • Protection for covered life events
  • Flexible options
  • Easy enrollment
Frost Logo

If your vehicle is totaled or stolen, GAP coverage may help pay the difference between your insurance settlement and the remaining loan balance.

How GAP Works (Example):

  • Loan Balance: $25,000
  • Insurance Settlement: $20,000
  • Remaining Loan Balance: $5,000

With GAP Coverage: The remaining $5,000 may be covered (subject to terms).

Student Loans

sallie-mae-logo-scaled

Finance undergraduate, graduate, career training, and professional education through Sallie Mae's private loans.

E-Statements

Members are encouraged to enroll in eStatements for secure, paperless access. Paper statement fees may apply. Contact us for details.