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We offer a variety of consumer loans for any good purpose. From appliances to wedding expenses, look to your Community Financial Credit Union first for financing.

New and Used Auto Financing
Boat/RV Loans
Visa Credit Cards
Signature loans
Home Loans
Other Loans: Share/CD Secured Loans, personal loans for such items as computers,
motorcycles, and other personal items.

Related Loan Services:
Debt Protection
GAP Advantage
Auto Advantage
AutoPay Program
Extended Automobile Warranty Program
CARFAX Program


Download and print the loan application (see the link below) or call the Credit Union to apply by phone: 1-417-862-0471 or 1-888-430-7199.

download and print the Adobe Acrobat PDF loan application,
and bring it to one of our offices or mail it to Community Financial Credit Union,
PO Box 1217, Springfield MO 65801-1217.

Please Note
The downloadable application forms are PDF documents and Adobe Acrobat Reader is required to the view them. Adobe Acrobat Reader can be downloaded for free by clicking on the Get Acrobat Reader icon.

New & Used
Auto Loans

You get more than great rates and convenient terms when you finance your new or used car through your Community Financial.

Visit the credit union before you visit the dealer to secure a pre-approved auto loan. At the credit union you'll get a great low rate with no hidden, costly extras or add-ons. Call us today for current rates and terms.

There are other benefits, too, like:
  • Helpful, friendly service - the kind you'd expect from your credit union.
  • Pre-approval available and encouraged to give you extra bargaining power.
  • Payroll deduction makes repayment easy.
  • Simple interest means you pay interest as you go - not all up front.
  • Priority Processing so you'll get your loan quickly.
  • Credit Life and Credit Disability Insurance available to help bring extra peace of mind.

Extended Warranty

CFCU is pleased to offer members this program. Offered in conjunction with Route 66 Warranty, this great benefit provides national coverage for major mechanical expenses. Here are some of the reasons you should consider CFCU's Extended Warranty Program:

  • Parts and Labor are covered under the terms of your plan
  • With today’s vehicles, one major repair can cost more than the agreement
  • There are 3 plans to choose from
  • Warranties begin on the day you buy them, not the in-service date of the car.
  • There is NO DEDUCTIBLE
  • Service agreements are transferable
  • Nationwide Coverage
  • 24/7 Emergency Road Service
  • 30 Day Money-Back Guarantee
  • Much More!

Contact CFCU's Loan Department to discuss the benefits of the CFCU Extended Warranty program. CFCU can help provide financing or you may be able to roll the plan right into your current auto loan. That's convenient and affordable. Stop by our office, or call 417-862-0471 or 888-430-7199 and ask to speak to Financial Service Representative.


You get more than great rates and convenient terms when you finance your new or used boat or RV through your Community Financial Credit Union. There are other benefits, too, like:
  • Helpful, friendly service - the kind you'd expect from your credit union.
  • Pre-approval available and encouraged to give you extra bargaining power.
  • Payroll deduction makes repayment easy.
  • Simple interest means you pay interest as you go - not all up front.
  • Priority Processing so you'll get your loan quickly.
  • Credit Life and Credit Disability Insurance available to help bring extra peace of mind.
  • Convenient terms that are easy on the budget.

Credit Cards

A VISA credit card from your Community Financial Credit Union gives you the usefulness and confidence of VISA along with a great rate. Plus, you'll get these benefits, too:

  • A competitive rate* that can save you money over those high-rate department store and bank cards.
  • No Annual Fee means you save money!
  • 25-day grace period on purchases can save you money!
  • $250,000 travel accident insurance - at no direct cost!
  • Accepted in over 6 million places worldwide! That means you can use it at home and on the road to shop, dine, entertain, travel, for cash advances and more!
  • Helpful, friendly service - the kind you'd expect from your credit union.
  • Secured Visa cards are also available to help build or restore your credit.
  • Verified by Visa adds an extra layer of protection as you use your card to shop from any computer that has internet access.
  • Enroll in Momentum Rewards and your CFCU Visa will earn cash back rewards on all of your eligible purchases.
    Momentum Rewards
Your Visa account information is accessible through the MemberConnect audio response system and the eAccess.
Your Visa account is now listed on our computer system as a loan. This means that you can access account history, balance information and transfer payments on your Visa account using the telephone or your PC – 24 hours a day! (See Using the MemberConnect System to Obtain Visa Account Information for instructions.)

Payments can be made directly to the credit union.
We are now able to accept your Visa payments by mail (Community Financial Credit Union, Attn: Payment Processing, PO Box 1217, Springfield MO 65801-1217) or in person when you visit our offices. Transfer payments can also be made using the MemberConnect and Online Branch systems.

Automatic transfers from your CFCU savings or checking account can also be set up.
Auto transfer of payments is now available. What could be easier than setting up a transfer from your savings or checking account which automatically makes your Visa payment? Several auto-transfer options are available: 1) Have the minimum payment transferred each month, 2) Request a fixed amount to be transferred (if the minimum due is greater than this fixed amount, the minimum due would be transferred to keep the account current), 3) Pay off the balance each month.

Statements are processed at the end of each month and payments are due the 25th of each month. You will know when to expect your statements and when your payment is due each month so it will be easier to plan your budget.

For Members Traveling Out-of-Town or Abroad
From time to time, we may block transactions from a specific region or country due to fraudulent activities. If you plan on traveling, please contact our VISA Department with your travel dates and destinations. Or you may call us at 417.862.0471 or toll-free at 1-888.430.7199. We’ll be sure your cards are flagged and cleared for travel.

*(See IMPORTANT DISCLOSURES for Credit Card Applicants.)

Signature Loans

Your credit union offers signature loans that can be used for any worthwhile purpose featuring:
  • Helpful, friendly service - the kind you'd expect from your credit union.
  • Payroll deduction making repayment easy.
  • Credit Life and Credit Disability Insurance available to help bring extra peace of mind.
  • Easy payments based on your outstanding balance.
  • Simple interest means you pay interest as you go - not all up front.

Secured Loans

When you need some cash flow without exhausting your hard-earned savings or risking penalties on withdrawing from a CD before maturity, consider a Share or CD Secured Loan. Because you use the funds in your credit union share account or CD as collateral, the interest charged on a share/CD secured loan is minimal. For complete details contact our office.


CFCU offers personal loans for those miscellaneous items such as furniture, carpeting, etc. For complete details contact our office.


Protect What Matters

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. That’s where Community Financial Credit Union Debt Protection comes in.

Under the Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly – that your family is protected.

Designed with you in mind
More than ever, we all worry about things that might happen tomorrow. Community Financial Credit Union Debt Protection provides an important sense of financial security – knowing your loan will not become a burden to you in times of hardship.

Cancel at any time
You may cancel Debt Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

Want to learn more?
Talk to a representative today by calling 417-862-0471 or 888-430-7199 to learn the details about our Community Financial Credit Union Debt Protection program.

This product is optional
Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

Additional disclosures
We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.

Eligibility requirements, conditions, and exclusions
There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.


GAP (guaranteed asset protection) Advantage covers the difference between what a consumer owes a lender and what an auto insurer will pay if a car is totaled or stolen. GAP Advantage now includes an additional benefit of up to $1,000 towards the CFCU financing of your replacement vehicle.


Auto Deductible Reimbursement

  • Pays up to $500 per loss (limit of two losses per year) when claim is filed and paid with primary insurance carrier.
  • Loss means an event for which the auto insurance company has approved & paid a claim which exceeds the Covered Auto Deductible for a collision or comprehensive claim.
  • Coverage is effective upon date of enrollment and will continue for three (3) years.

If You suffer a loss during the Coverage Period which is covered by Your Auto Policy, You may be entitled to reimbursement of the Covered Auto Deductible. Reimbursement will be equal to the Covered Auto Deductible on the Auto Policy, up to $500 per Loss.

The Auto Deductible Reimbursement Does Not Cover The Following:

  • If the claim under the Auto Policy has been denied.
  • If the auto insurance company has waived the Covered Auto Deductible.
  • If the claim on the Auto Policy does not exceed the Covered Auto Deductible.
  • If the vehicle is used for commercial purposes or hire.
  • If the vehicle is a commercial vehicle as defined by the manufacturer.
  • Resulting from any kind of dishonest, fraudulent or criminal act, or illegal activity by You.

How to file a claim:

Call the Claims Administrator at 1-800-711-4280 to request a claim form. You must report the claim within ninety (90) days of the Loss or as soon as reasonably possible. The following required items, must be sent to the Administrator at AssurancePlus Claims and be postmarked within one-hundred and eighty (180) days of Loss or as soon as reasonably possible:

  • A fully completed claim form.
  • A copy of the Auto Policy, showing the vehicle is insured.
  • A copy of the Auto Policy claim from the auto insurance company showing payment for the Loss, with the amount paid and the Covered Auto Deductible of the Auto Policy.
  • Any other documents that the Administrator may reasonably request to validate a claim.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.


Looking for an easier way to make your loan payments but your employer doesn't offer payroll deduction or direct deposit to the credit union? Your credit union offers a great service called AutoPay - where we transfer your loan payments from your account each month. No worry. No hassle. AutoPay is easy to set up.Simply complete the AutoPay Request Form and we'll take it from there. On the first business day of each month we will transfer funds from your specified credit union share account to make your credit union loan payments. (All you have to do each month is make sure that the funds are available in the specified account on the day the funds are to be transferred.)

  • AutoPay is automatic. So you don't have to worry about late or lost payments.
  • AutoPay is free as long as funds are available for us to transfer from the specified account. You also save time and money on postage, check writing, and trips to the credit union.
  • Keeping track of your payments is easy with AutoPay. Your regular credit union account statement will provide you a record of the transfers and payments.
  • AutoPay is great for members who do not have payroll deduction available to them.

To start your AutoPay simply complete and return the AutoPay request form!

Credit Card AutoPay Request


If you’re looking for a preowned vehicle, consider obtaining a Carfax vehicle history report once you select the car you want. Carfax reports can show whether the car’s odometer has been rolled back, if the vehicle has been in a major accident, has been salvaged or had flood damage, and where it has been titled.

You can get a Carfax report at a special member price of just $12.00 per report. Just contact a Financial Services Representative at CFCU.

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