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Medical Loan Options

Health Improvement Financing

Sometimes medical issues arise when you least expect them, and threaten not only your health, but your best laid financial plans as well. Because your health is something you can’t neglect, you can sometimes risk going into debt for necessary treatment. When upcoming medical costs threaten your budget or savings, planning ahead with a Health Improvement Loan may be your best option for both ensuring you get the necessary care and avoid going into debt. If you already have medical expenses you need to cover, this type of loan can help as well. 

Doctor shows patient treatment plan so she can plan ahead for medical expenses with a loan

For your financial health, consider applying for a low-rate Health Improvement Loan. With financing planned in advance, you can protect your most important asset—your health. A Health Improvement Loan can be used to cover your medically related expenses, from dental to doctors, and supplies to surgery. 

This loan covers medical expenses you can plan for in advance, like elective or scheduled surgery; medical expenses you’ve already incurred; or even ongoing expenses, like monthly prescriptions, home health costs, dental, and vision costs. 

When you apply, we evaluate your financial and credit standing, income, and expenses. Our goal is to help you find a plan to cover your expenses with terms that fit your life and your budget. 

What’s covered?

  • Dental, medical, or vision expenses1
  • Surgery
  • Prescriptions2
  • Physician’s charges, including well visits
  • Hospital bills, including supplies
  • Medical equipment
  • Over-the-counter medicines and home health/medical supplies3

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Start the application process below.


If you’re not ready to apply for a Health Improvement Loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

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We look forward to helping you.

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Health Improvement Loan Coverage Disclosures

1 Incurred by you, your dependent children, or your parents (that you are responsible for)

2 Those already ordered, or prescribed in the current month. This is not a revolving line of credit.

3 Does not include exercise equipment or gym memberships.

In partnership with both local and national health organizations, we support heart-health initiatives in our local communities through sponsorships, volunteering, and donations.

Health Improvement Loan Rates

Check today’s health improvement loan rates effective July 25, 2021

Term APR
12 Month as low as 6.99%
24 Month as low as 7.09%
36 Month as low as 7.19%
48 Month as low as 7.29%
60 Month as low as 7.39%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.

Monthly payments for a 5 year health improvement loan would be $19.98 per $1,000 borrowed.

Loan must be used for items/services that are medical in nature.

*Federally insured by NCUA. Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.