Loans

Credit Report

Think you know your credit history? As you know, your credit history is an important tool for making financial decisions. It can have an impact on qualifying for a loan, making an important purchase, or getting your dream job. So, why not stay ahead of the game and review your credit history on an annual basis?

There are three credit bureaus you can call to request a copy of your credit report. Because information can vary from on bureau to another, it is best to get a report from all three. Their toll free numbers are:

Equifax 800.685.1111

Experian 888.397.3742

Trans Union              800.916.8800

There is a small fee for each report requested; however, Maryland residents are entitled to a free copy of their credit history once every twelve months.

GAP (Guaranteed Asset Protection) fully protects you by covering the "gap" between what you owe on your auto loan and the amount your insurance will cover, in the event your vehicle is lost or stolen. Add coverage today!

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Your credit union offers several types of loans. All loans that are granted will be based, in part, upon the ability to repay as evidenced by a defined and documented repayment schedule. We currently use a Risk-Based Lending Policy where the member's past credit history is the determining factor in the loan rate provided.
It is the goal of the Allegany County Teachers' FCU to allow you to purchase goods and services now and pay for them over a specified period of time. All member loans will be reported to the credit bureau on amonthly basis.