Other Loans

Personal/Signature Loan (including our Getaway Loan)

This is an unsecured loan established for a predetermined period of time with specific loan payments. The rate is fixed for the term of the loan. Credit worthiness and the ability to repay determine this loan and its accompanying rate.

Rates: as low as 8.00% APR*

Share Secured Loan

Allows members to obtain a loan at an attractive rate using the funds in their savings accounts as collateral.

Rates: 4.00% APR for 36 or 48 months, 5.00% for 60 months*

CD Secured Loan

Allows members to use the money in their share certificate as security. The Annual Percentage Rate is 2.00% above the current share dividend and the rate is fixed for the term of the loan. Terms cannot exceed the certificate’s maturity date.

Rates: 2.00% over CD rate; min. 4.00% up to 48 months*

EZ@cces24 Loan Advance

A lower limit line of credit that you can access 24/7 using home banking CU@ccess24 or the 24-hour Voice Response System. Money is transferred into your account of choice and is available immediately for use. You only need to sign for this loan one time at any office.

Rates: as low as 8.00%*

Overdraft Protection

If you overdraft your account, this feature kicks in. Instead of getting charged a fee for bouncing a check, overdraft protection will provide you with an instant loan. If the ‘loan’ is paid off quickly it is usually much less expensive than the bounced check fee. Repayment amounts depend on the amount being transferred and will deduct automatically from your checking account.

 

*Rates are stated as annual percentage rates (APR). Rates in combination with loyalty points could be 0.30% lower than stated rates.

Holiday Cash Options

Money has away of disappearing at this time of year. But The Family Credit Union has special holiday offers that will put some extra cash in your pocket.

  • Skip-A-Payment – Skip your November or December consumer loan payment and use the money for other expenses.*
  • Holiday Loan – $1,200 for 12 months as low as 7.5% APR*. Through 12/31*.
  • MasterCard – Existing MasterCard accounts receive a 4.9% APR rate on November & December purchases*.
  • Christmas Club – This savings account can be started anytime. You decide when and what amount you’ll set aside each year. Money is available November 1.

* Approvals and Restrictions apply.