loan solutions heading

link to refinancing formLOAN SOLUTIONS

Community One has loans to fit just about any budget. We are all about solutions
and our #1 goal is helping you find the loan that fits your payment schedule and

You can apply for a loan anytime day or night. During regular business hours, call our office at (330) 305-3050 or request more information.

NEW Payment Minimizer

The C1CU Payment Minimizer Auto Loan is designed to help you get the car you want with the financing options that work for you, along with monthly payments of up to 40% lower than conventional financing.  All new and pre-owned vehicles up to four years old are eligible and can be financed for up to 72 months.  Already have a car loan at another institution?  Talk to us about refinancing with the C1CU Payment Minimizer loan option!

  • Low monthly payments
  • No down payment required
  • No up-front fees
  • Vehicle ownership (titled in your name)
  • No higher insurance premium
  • Option to SELL, TRADE, REFINANCE or PAY OFF at any time!
  • No early termination fees
  • Return vehicle at loan maturity and simply “Walk-away”
  • Yearly mileage available options: 12,000, 15,000, 18,000

Click here for more information or call us at 330-305-3050 ext. 1

New & Used Vehicle Loans, RV, Motorcycle & Boat Loans

Fast & Easy Application Process – submit an application
  • Low Interest Rates
  • Up to 100% Financing
  • Terms Up To 84 Months
  • Pre-Approvals To Make Your Buying Experience Easy
  • And More!


  • Fixed & Variable Rate Programs Available up to 30 Years
  • FHA Loans
  • VA Loans
  • Mortgage Refinancing

Second Mortgages

  • Low, Fixed Rates
  • Flexible Terms Up To 15 Years
  • Interest May Be Tax Deductible (Consult your tax advisor)
  • And More!

Home Equity Loans & Home Equity Lines of Credit

  • Low Interest Rates
  • Additional Advances On The HELOC Only (First 5 Years)
  • Interest May Be Tax-Deductible (Consult Your Tax Advisor)
  • And More!

Personal Loans

  • Low Interest Rates
  • Terms Up To 60 Months
  • And More!

Student Loans

Whether you’re an undergraduate or graduate student get money for school from Sallie Mae® Student loans from C1CU in partnership with Sallie Mae® could help!

Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which loan is right for you! (LINK)

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. C1CU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: These loans are for students at participating degreegranting schools.

Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Share Secured Loans

  • Ability To Lock In A Lower Interest Rate By Security Against Your Savings

Debt Consolidation Loans

  • Competitive Rates To Save You Money Throughout The Life Of The Loan

Credit Builder Loans

  • Give Your Low Credit Score A Boost With This Helpful Loan Option

E-Z Line Loan

  • Quick & Easy Access To Funds
  • Competitive, Low Interest Rates
  • Access To Funds Via Home Banking, Phone & In Person
  • Low Payments
  • Little Or No Fees
  • Free Checks
  • Peace Of Mind


If you have a high interest rate loan from another financial institution, refinance it with us! You could lower your payments instantly!


Guaranteed Auto Protection helps pay off your remaining loan/lease balance if your vehicle is stolen or damaged and is deemed a total loss. It allows you to start fresh with a new vehicle purchase and no outstanding balances. This service is inexpensive and can be included as a small addition to your monthly payment.


Could your family maintain their current lifestyle if the unthinkable happened? Very few people can NOT answer yes to that question. In the event of a tragic accident, illness or even death many people don't realize that their employer will only pay a portion of their income if any at all. Then what? Could you afford to make your monthly loan payments? Let Payment Protection take away that worry by making your loan payments for you should injury, illness or the unthinkable happen. Why take the risk if you don't have to? It's simple to qualify, there are no additional payments to make because it's added into your monthly loan payment. With Payment Protection you can afford to protect your lifestyle!

For more information, call our office or request more information.

american flag


To honor those who have served, Community One Credit Union now offers a special discount program for Veterans. Stark County Veterans, who carry a Veteran ID Card, can take advantage of a .25% APR* discount off of a new or used C1CU Vehicle Loan. Call or stop by our loan department for more information.

*APR - Annual Percentage Rate. Rates and terms subject to change without notice.

^Must meet loan qualification. Must be able to verify as a military veteran by showing a Veteran ID Card. Cards can be obtained at the Stark County Recorder's Office. Rate discount is off of your qualified loan rate. Veteran's discount may not be used in conjunction with any other promotion or offer. This program is subject to change or discontinue without notice.

For more information, call our office or request more information.


  • Help With Vehicle Repairs
  • Can be Financed
  • Can be Transferred
  • Available On Vehicles Up To 11 Years Old & Up To 150,000 Miles



A credit card is a necessity in today's electronic age. As we continue to move to a "cashless" society, a credit card is often the only way to guarantee a car rental or hotel reservation, and is by far the easiest way to shop by phone and online. With low everyday interest rates and no hidden fees, Community One Credit Union offers full Visa Credit Card services, worldwide acceptance and comes with Visa's Zero Liability Policy if your card is lost or stolen.

We offer a choice of cards, a secured Visa Card and a Visa Card with rewards. Both of our cards carry a convenient payment feature. You can make instant payments to your card directly from our website via the "make payments" button on our home page, through online banking, over the phone or at any of our branches.


Receive points which are redeemable for cash, gift cards, merchandise, travel and more! To view a full listing of rewards, visit

You already do your banking with Community One Credit Union...isn't it time you brought your credit card "home"?


That's ok. Simply transfer your existing balance(s) to our card and payoff debt faster. Request more information on how you can make the switch today! Bring your credit card home to Community One Credit Union. Request an application.

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