Loans
As a not-for-profit financial cooperative, we make loans at rates that
are generally lower than banks.
Vehicle loans
There’s no better deal on wheels than a Family FCU auto loan.
- New and used vehicles
- Terms up to 84 months
- Up to 100% financing*
- Plus, we make loans for other things that move you:
- Mobile homes
- Classic vehicles — Up to 80% of appraised value
- New and used motorcycles, RVs, boats** and personal watercraft
*From dealer: up to 100% of contract price.
From private party: up to 100% of Kelley Blue Book value.
**Current wholesale appraisal required.
Auto title loans
Don't pay 120% interest on an auto title loan! Stay away from national auto title lenders. They prey on people with poor credit, charging up to 120% APR. Instead, contact us for an auto title loan as low as 5% APR.
Annual Percentage Rate effective 2/28/13, based on 36-month term and subject to change. All loans subject to approval. Your rate may vary based on your credit. Monthly payment per $1,000 borrowed for 36-month term at 5% APR: $29.97.
Guaranteed Auto Protection (GAP)
You certainly don’t need unexpected expenses if your vehicle is stolen or totaled. Protect yourself with GAP; it covers the difference between your insurance payment and what you still owe on your vehicle loan.
Visa credit cards
We don’t hide exorbitant fees in the fine print or increase your
rate for late payments. We just give you honest value, with low
rates.
Visa Platinum
Higher limits with no annual fee. Plus, it comes with perks such as free
rental car insurance, free travel assistance and more.
Visa Classic
A basic card, accepted around the world.
Share-secured Visa
Pledge funds on deposit with us to get lower rates and establish your credit limit.
Automatic payments
Use eBanking to set up automatic payments on your Family FCU loan; you’ll
never be late with or miss a payment again. Call the credit union for
information or to set up automatic payments.
Home loans
We offer a complete selection of loans through The Home Loan Center,‡ our mortgage partner, for what could be the biggest and most important
investment you’ll make.
This online resource allows you to review your home loan options, see
current rates, learn real estate terminology, estimate payments, and
even apply online. If you’re in the real estate market, start your
search at the Home Loan Center:
- 10-, 15-, 20- and 30-year fixed-rate mortgages
- 6-month and 1-year adjustable rate mortgages
- Mortgages with fixed-rate starting periods
of 3, 5, 7 and 10 years
Refinances
Mortgage rates are still low, so if you haven’t refinanced yet,
now is the time. You’ll lower your monthly payments to put more
cash in your pocket each month, or keep your payment the same and pay
your mortgage off early. Family FCU has lower processing fees than banks,
and through the Home
Loan Center,‡ we can help you get a terrific low rate.
Personal loans
An all-purpose loan secured by your signature and promise to repay.
Share-Secured loans
Use the funds in your Family FCU savings account as collateral to receive
our lowest borrowing rates. As you make payments, a corresponding amount
of your securing balance will be released.
Holiday Loans
When the holidays roll around, our Holiday Loan can help make the season brighter for your family, with a rate that beats personal loans and credit cards.
Avoid payday lender rip-offs
Payday/Starter Loan
- Up to $1,000
- Six-month term
- A fraction of payday lender costs
Thinking about a payday loan? First think about the outrageously high rates payday lenders are legally allowed to charge in California. (See chart.)
At just 28% APR, our Payday/Starter Loan will cost you just a fraction of a payday loan. And you have six months to repay, while payday loans are generally due in 31 days.
This loan should be used for emergencies only. If you always need to borrow, please consider talking to a BALANCE‡ counselor. And don’t let friends or relatives pay sky-high rates at payday lenders; tell them about our Payday/Starter Loan.
A base for building
Just starting out? This loan is a great way to establish a credit record. And, we report your progress to the major credit bureaus.
Once you’ve paid back this loan successfully, you may qualify for our other lending programs at even lower rates.
Annual Percentage Rate effective 4/1/13 and subject to change. All loans subject to approval.
