No, the credit bureau does not allow us to give out copies of the report. However, with our Select Checking account, you have the ability to get a copy of your credit report every 90 days through ID Protect^®. For more information on Select Checking, click here.

No, you do not need to be a member in order to apply for a loan.  However, you do have to meet our membership eligibility requirements before signing loan documents.  Please see Who Can Join for additional information.

Yes, OHecu does have an auto leasing program through a group of eligible dealerships. Click here to see the full list of eligible car dealerships who participate in our lease program.

Yes, OHecu offers an auto loan program designed to help recent college graduates purchase an auto at a reasonable rate with little or no credit history.  To apply online, click here.

No, we do not offer Business Loans at this time.

Yes, we offer the following types of mortgages:
 

• Fixed Rate Mortgage
• Adjustable Rate Mortgages (ARM)
• FHA Loans
• USDA Rural Housing Loans
• VA Loans
• Investment Property Mortgages
• First Time Home Buyer Program with low down payment options
• HARP – Home Affordable Refinance Program

For more information regarding these loan programs, click here.

Yes, OHecu offers personal loans.  To see more personal loan options or to apply online, click here.

To apply for a loan click here, call our 24/7 Member Service Center at 877-322-6328 or stop into any OHecu office.

You do have the following options for obtaining a copy of your credit report:

• Our Select Checking comes with Identity Theft Protection Service through ID Protect®. With ID Protect®, you get a 3-in-1 Credit Report every 90 days or upon receipt of credit alert.  Click here to see more information about ID Protect®.
• If you are declined for a loan at OHecu, you will be mailed a notice with instructions on how to obtain a free copy of your credit report.
• The federal government requires that each of the three national credit-reporting agencies, Experian, Equifax, and TransUnion  - gives you a free credit report every year.  You can request a free credit report by visiting  http://www.annualcreditreport.com/.  

You have several different options to get pre-qualified for a loan.  Click here, stop into an OHecu office or call our 24/7 Member Services Center at 877.322.6328.

• Office: : 216-621-6296 x3030 or 1-800-552-6328 x3030
• Cell: 216-262-5164
• Email: mmulhall@ohecu.com

Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.

To get a free copy of your credit report, visit AnnualCreditReport.com.

College graduates need the following to apply:

• Proof of graduation from an accredited college or letter from college confirming graduation within three months of loan application
• Current pay stub or Offer of employment letter stating income and a starting date within 60 days of loan application.

OHecu now offers FHA (Federal Housing Administration) Loans as just one more way of finding a mortgage solution that best meets the needs of the individual member.  

These government backed loans are available to those with “less than perfect” credit or of low to moderate income, offering low down payments and allowing the funds to come from many different approved sources

OHecu is participating in the Home Affordable Refinance Program (HARP) to assist members in refinancing their mortgages – even if the member owes more than the home’s current value.  This program is designed to help members who are current on their mortgages and have lost equity in their homes due to no fault of their own.  These members may have an opportunity to refinance their home loan at today’s historically low mortgage rates.

A USDA home loan is a mortgage loan offered to rural property owners by the United States Department of Agriculture.  Applicants must meet the USDA property and income eligibility requirements.    Some benefits of a USDA loan are:

• No down payment financing 
• No reserves required  
• Not limited to first time homebuyers,
• Gift money ok for closing
• Flexible underwriting guidelines.

A VA loan is a mortgage loan guaranteed by the US Department of Veterans Affairs (VA).  The VA loan was designed to offer long-term, affordable financing and competitive rates to eligible American veterans (active and former military personnel).  VA loans offer low fixed rates, 0 down options, flexible underwriting guidelines and no monthly mortgage insurance.

It is important to take into consideration the following items when selecting a mortgage lender:

• Interest Rate & Annual Percentage Rate
• Monthly payment and term
• Total amount of closing costs
• Upfront appraisal costs
• Servicing of loan
• Ability to approve loan and close on time
• Knowledgeable Loan Officer
• Communication with Loan Officer during and after the loan closes

You have the following options available to make payments on your OHecu loan:

• OHecu will automatically transfer funds from your OHecu account (gets the lowest APR)
• OHecu will automatically transfer funds from another financial institution
• OHecu can set up Payroll Deduction from your Direct Deposit
• You can transfer the funds using Toni the Touch-Tone Teller
• You can transfer the funds in Online Banking
• You can pay in person at any OHecu office
• You can mail your payment to any OHecu office

 OHecu offers  the following loans:

• New & Used Autos
• New & Used Motorcycles
• New & Used Boat
• New & Used RV
• Personal Loans
• First Mortgage Loans
• Home Equity Loans
• Credit Cards

You can apply for a loan by clicking here, stopping into an OHecu office or calling our 24/7 member Service Center at 877-322-6328.

Please mail loan payments or deposits to your account to PO Box 93079, Cleveland, OH 44101.   Be sure to include a payment slip and/or your account number with the payment or deposit.