Important Notice

You are accessing a secure site. Some areas such as Online Banking contain confidential information which is restricted to authorized persons only. Unauthorized access to these areas is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.

Open an account

Applying for a loan after bankruptcy

How long after declaring bankruptcy can I apply for a loan?

Regarding Consumer Loans, if you maintained services and did not cause the credit union a loss we will consider granting new credit 12 months from the discharge date or dismissal date on secured debt and 36 months from the discharge date or dismissal date on unsecured debt. This is after each bankruptcy.

When interested in applying for a mortgage, a four-year waiting period is required, measured from the discharge or dismissal date of the bankruptcy action for Bankruptcy (Chapter 7 or Chapter 11). The waiting period required for Chapter 13 bankruptcy actions is two years from the discharge date, or four years from the dismissal date.

Applying for a loan after bankruptcy

How long after declaring bankruptcy can I apply for a loan?

Warning About Third-Party Sites

Warning About Email

EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency