Take Control of Your Lending Experience with Signet
Apply for one of our Loans Online
Mortgages
5/1 ARM as low as 3.25% APR
Auto Loans
Signature Loans
Calculate Your Payments
Lending We Offer
Consumer Loans
Consumer loans can be used for a variety of purposes. Need a new car, motorcycle, boat or RV? Want to go on vacation? Need help celebrating a major life milestone? Ask us how you can get lower rates, better service, fast approval and simple interest. From application to approval, your next loan will be the easiest you’ve ever had. Apply online, in person or by phone.
Dealer Direct Loans
Finance and buy a car without ever leaving the dealership. The interest rates and loan terms are the same as if you came in person to the credit union. Let your salesman know you’re a Signet member, and your financing will be taken care of with us!
Construction Loans
This mortgage rate is fixed for 12 months during the construction of a new home. Contact a loan officer for rates and qualification requirements.
10/1 Adjustable Rate Mortgage
This mortgage rate is fixed for the first ten years and will be reviewed annually on the last day of the month in which the plan opened. The rate cannot increase or decrease more than one and a half percentage points at each adjustment. The annual percentage rate cannot increase more than 5% above the initial rate or decrease below the floor of 4%. The first mortgage term can be up to 25 years. Contact a loan officer for rates and qualification requirements.
5/1 Adjustable Rate Mortgage
This mortgage rate is fixed for the first five years and will be reviewed annually on the last day of the month in which the plan opened. The rate cannot increase or decrease more than one percentage point at each adjustment. The annual percentage rate cannot increase more than 5% above the initial rate or decrease below the floor of 3.25%. The first mortgage term is 25 years. A Mobile Home first mortgage term is 20 years. Second mortgages are 15 years (excludes mobile homes). Land-only terms are 12 years. Contact a loan officer for rates and qualification requirements.
Home Equity Line of Credit
Access the equity you have built in your home with a line of credit. This loan is a variable rate* mortgage and will be reviewed annually on the last day of the month in which the plan opened. The rate cannot increase or decrease more than one percentage point per review. The annual percentage rate cannot increase more than 4% over the life of the loan. The maximum term for a 1st mortgage is 20 years and 15 years for a 2nd mortgage. Contact a loan officer for rates and qualification requirements.
Get a Signet Dealer Direct Loan provided at one of these dealerships:
PADUCAH
Allen Auto Sales
Bluegrass Honda / BMW
Chip Wynn Buick / Jeep / Eagle
Larry Stovesand’s Pontiac / GMC
Linwood / Chrysler / Dodge / Hyundai
Paducah Ford
Royal Oaks Chevrolet
METROPOLIS
Linwood Chrysler / Buick / GMC / Dodge / Jeep / Eagle
HARDIN
Premier Motors
BENTON
Country Chevrolet / Geo / Pontiac / Olds / Buick / GMC
Larry McCully’s Select Auto Sales
Leon Riley Ford / Lincoln / Mercury
Parkway Chrysler / Plymouth / Dodge / Jeep / Eagle
MAYFIELD
Bennett Auto Outlet
Bennett Motors, Inc.
David Taylor of Mayfield
Larry Seay Auto Sales
Linwood of Mayfield
Perkins Motor Plex
Purchase Ford
MURRAY
David Taylor Automotive
Dwayne Taylor Chevrolet
Parker Ford / Lincoln / Mercury
Toyota of Murray
Estimate Your Loan Payments
This calculator will help you see how much your loan payments could potentially be. But, this is not a guarantee. There are many factors that go into every loan decision. You will need to call or stop by one of our offices to get pre-qualified for a loan.