Join thousands of members who rely on Crestline Trust Union for clear advice, fair fees, and financial products designed around real life.
Borrow With Confidence
Our Loan Products
Six lending solutions built around real goals - each with transparent rates, clear terms, and no surprise fees.
Home Mortgage Loans
- RateFrom 6.49% APR
- Amount$50,000 - $2,000,000
- TermUp to 30 years
Buy or refinance with fixed and adjustable rate options, local decisioning, and closing cost credits for existing customers.
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Whether you are buying your first home, upgrading for a growing family, or refinancing to lower your monthly payment, our mortgage team guides you from pre-approval to closing - with decisions made locally in days, not weeks.
Choose a fixed rate for payment certainty or an adjustable rate to start lower. Existing customers receive up to $1,500 toward closing costs.
Key Features
- Fixed-rate and adjustable-rate mortgage options
- Pre-approval letters within 24 hours
- Down payments from as little as 5%
- Closing cost credit up to $1,500 for existing customers
- Refinance programs with streamlined documentation
- No prepayment penalties on any mortgage product
What You Need
- Two most recent years of tax returns or W-2s
- Proof of income (pay stubs or profit & loss statement)
- Down payment of 5% or more of purchase price
- Property appraisal arranged by our lending team
Personal Loans
- RateFrom 8.99% APR
- Amount$1,000 - $75,000
- Term12 - 84 months
Unsecured fixed-rate funding for consolidations, home projects, medical bills, or life's surprises - with no origination fees.
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A Personal Loan gives you a fixed amount at a fixed rate with a predictable monthly payment - ideal for debt consolidation, weddings, relocations, or unexpected expenses.
Check your rate in minutes without impacting your credit score, and if approved, funds can be in your account as soon as the next business day. No collateral, no origination fees, no prepayment penalties.
Key Features
- No origination fees or hidden charges
- Rate check in minutes with no credit score impact
- Next-business-day funding once approved
- Fixed rates and fixed payments for the life of the loan
- Consolidation option pays creditors directly
- No prepayment penalty - pay off early anytime
What You Need
- Minimum credit score of 640
- Verifiable income of $24,000 per year or more
- U.S. citizen or permanent resident, age 18+
- Active Crestline checking account (direct-deposit discount applies)
Auto Loans
- RateFrom 5.74% APR
- Amount$5,000 - $150,000
- Term24 - 84 months
New, used, and refinance auto financing with pre-approval that works like cash at any dealership.
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Drive the deal, not the financing. Get pre-approved before you shop so you can negotiate like a cash buyer, then choose terms from two to seven years that fit your budget.
We finance new and used vehicles from dealerships or private sellers, plus refinance existing loans to lower your rate or payment.
Key Features
- Pre-approval valid for 30 days at any dealership
- Financing for new, used, and private-party purchases
- Refinance existing auto loans to reduce your rate
- 0.25% rate discount with automatic payment enrollment
- Terms from 24 to 84 months
- No application fee
What You Need
- Valid driver's license
- Proof of insurance for the vehicle
- Verifiable income (pay stubs or tax returns)
- Vehicle information (VIN, mileage, purchase price)
Education Loans
- RateFrom 6.99% APR
- Amount$2,000 - $120,000
- TermUp to 15 years
Undergraduate, graduate, and vocational funding with in-school deferment and no application fees.
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Invest in your future with education financing that covers tuition, housing, books, and certification programs - with flexible repayment that starts after graduation.
Cosigner release is available after 24 consecutive on-time payments, and interest may be tax-deductible depending on your circumstances.
Key Features
- Covers tuition, housing, books, and equipment
- In-school deferment - no payments until after graduation
- Cosigner release after 24 on-time payments
- Undergraduate, graduate, and vocational programs eligible
- No application or origination fees
- 0.25% rate discount for autopay
What You Need
- Enrollment verification from an accredited institution
- Cost of attendance estimate or tuition invoice
- Creditworthy applicant or cosigner
- U.S. citizenship or permanent residency
Business Loans & Lines of Credit
- RateFrom 7.49% APR
- Amount$10,000 - $1,000,000
- Term6 months - 10 years
Term loans, working capital lines, and equipment financing with decisions made by bankers who know your market.
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From bridging seasonal cash flow gaps to funding expansion, our business lending team builds financing around your operating reality - not a call-center script.
Term loans for growth investments, revolving lines of credit for flexibility, and equipment financing where the asset itself secures the loan.
Key Features
- Revolving lines of credit from $10,000
- Equipment financing with up to 100% asset coverage
- SBA-guaranteed loan programs available
- Local underwriting and decision-making
- Interest paid only on drawn line amounts
- Relationship manager assigned to every borrower
What You Need
- Two years in operation (startups considered with SBA programs)
- Business bank statements for the last six months
- Most recent business tax return
- Personal guarantee from owners holding 20% or more
Gold Loans
- RateFrom 4.99% APR
- Amount$500 - $250,000
- Term3 - 36 months
Borrow against your gold jewelry or coins at the lowest rates we offer - your metal stays insured in our vault until you repay.
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Unlock liquidity without selling your gold. Pledge jewelry, coins, or bars for an immediate loan at our lowest secured rates, with appraisal completed while you wait.
Your gold remains fully insured in sealed storage for the loan term and is returned untouched upon repayment. Interest-only payment options keep monthly costs minimal.
Key Features
- Same-day appraisal and disbursal
- Our lowest interest rates of any loan product
- Borrow up to 85% of appraised gold value
- Insured sealed vault storage for the full term
- Interest-only payments available
- No credit score requirement - the gold secures the loan
What You Need
- Gold jewelry, coins, or bars of 18K purity or higher
- Government-issued photo ID
- Signed pledge agreement
- Physical possession of the gold for appraisal
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