Personal Loans

 

 

Personal Loan Calculator % Rates
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Signature/Personal Loan

This is an unsecured personal loan established for a predetermined period of time with specific loan payments.

  • The rate is fixed
  • Creditworthiness and the ability to repay determine the rate

Share Secured Loan

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

Credit Builder Loan

With a Credit Builder loan, the amount you borrow is deposited into a Family Credit Union certificate of deposit account. You make regular payments on the loan, establishing a positive payment history and we report this to the credit bureau. As a result of your regular payments and the completion of your loan, your credit score improves and you will have a CD at the end of the term.

Share Certificate (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 Certificate dividend rate
  • The rate is fixed for the term of the loan
  • Terms cannot exceed the certificate’s maturity date.

EZ@cces24 Loan Advance

A lower limit line of credit that you can access 24/7 using home or mobile banking.

  • Self-transfer money into your account of choice
  • Funds are available immediately for use
  • You only need to sign for this loan one time at any office

Overdraft Protection

If you overdraft your account, this product 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
  • Payments will deduct automatically from your checking account

Holiday Cash Options

Money has a way 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.

2023 HOLIDAY SPECIALSeffective November 1, 2023

  • Skip-A-Payment (2) – Skip your December or January consumer loan payment and use the money for other expenses. ($20 service fee per loan). Fill out the online form
  • Holiday Loan (1) – 8.99% APR for one year term loan! Apply Here
  • MasterCard (3)– 4.99% APR on purchases in November and December that includes all newly ordered cards in November and December.
  • 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.
  • Gift Cards – NO fee during November and December
  • ZOGO App – Earn MORE to learn during December. Earn .5% more pineapples (total of 1.5 pineapples for correct answers) for completing financial learning modules on our ZOGO app. Make sure you us this code when downloading our free app THEFAMILY

* APR = Annual Percentage Rate.

  1. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications. Rate offer available to qualifying members between 11/1/23 – 12/31/23. Sample: For a 1,000 loan for a term of 12 months with a 6.9% APR, the monthly payment will be $87 a month. Must become a TFCU member if approved for any loan
  2. $20 service fee per loan. Signed form must accompany request. All loans associated with Skip program are subject to approval and must qualify; must be current and not delinquent within the previous twelve months. Conditions and terms of original loan agreement will apply and finance charges will continue to accrue. Regular monthly payments must resume after the one-month skip pay term.
  3. Existing and new TFCU Mastercard® holders (both Classic and Rewards programs) will receive 1.99% APR on all purchases made 11/1/23 – 12/31/23. The reduced rate is not available for cash advances or balance transfers. The promotional interest rate will return to the current individual cardholder’s rate upon completion of the 6 month offer cycle