KSAGCU is Your Source for Any Type
of Personal Loan

Spirit of Topeka - Artwork by Gary Filkins
  • New and Used Cars, Trucks and Motorcycles
  • New and Used Boats, RV's and ATV's
  • New Electronics and Appliances
  • Personal and Signature Loans
  • Christmas Loans - with special terms available
  • School Loans - with special terms available
  • Home Equity Line of Credit
  • Share and Certificate Secured Loans
  • More Loan Information

As a leader in consumer loans*, KSAGCU has many innovative loan programs to meet your needs. Our loan promotion schedule (click to view) aligns with your lifecycle, and with 60 years of combined experience; KSAGCU will provide you with quick, responsible and respectful service.

In your best interest" is our mindset with loan refinancing. In fact, over 40% of our auto loans are refinances from other lenders. Better rates and better terms are at KSAGCU.

We encourage pre-approvals when buying a vehicle from a dealer. Your loan rate is locked in for 30 days and you will save time and money. Our short loan application is always available online.

Worry-Free Payment

Direct deposit gives you the confidence that payments are received on time, and it's so easy to set up with our Routing #301179753 and your account number. If you're a Traditional member of the Kansas Air National Guard with direct deposit to KSAGCU, a special provision is made for that one month there is no drill.

Experian Credit Report

Do you know what's on your credit report and what it means? We'll review your report with you and explain your FICO** credit score, at no cost to you.

*Candidate for the CUNA Mutual Group Lending Excellence Award 2007 and 2008.
**Fair Isaac Corporation

Loan Rates

KANSAS AIR GUARD CREDIT UNION ANNUAL PERCENTAGE RATES
AUTO, MOTORCYCLE, BOAT, RV, APPLIANCES*, ELECTRONICS*, HOME EQUITY**
Effective 04/01/2010
 
    Credit Score Credit Score Credit Score Credit Score
Year Term ≥ 699 698 - 649 648 - 601 ≤ 600
2010 60 4.94 5.19 7.94 10.44
2009 60 4.94 5.19 8.04 10.54
2008 60 4.94 5.19 8.09 10.64
2007 60 5.74 5.99 8.74 11.24
2006 48 5.44 5.69 8.44 10.94
2005 48 5.98 6.23 8.98 11.48
2004 36 5.98 6.23 8.98 11.48
≤ 2003 36 6.88 7.13 9.88 12.38
 
Appliances/Electronics* 8.75 11.75 13.75 15.75
Signature 9.75 12.75 14.75 16.75
Share or CD Secured 2.25 above earning rate
Home Equity** 4.00 variable 80% LTV or 5.00 variable 90% LTV
 

Finance <80% = .25% APR reduction
1 Yr Shorter Term = .25% APR reduction
Non-Titled/Purchase = add 1.00% APR

*New & 2 Yr Maximum Term with $500 Minimum & $2000 Maximum
**WSJP & WSJP + 1%, 650 min FICO score required

30 DAY RATE LOCK ON PREAPPROVALS!
Phone: 861-4093, Fax: 861-4096
E-mail: info@ksagcu.com