Auto

Hit the Road with Confidence: FCCU Auto & Motorcycle Loans

Getting a loan for your next vehicle should be as stress-free as a Sunday drive. That's why we offer straightforward, supportive financing options for both autos and motorcycles, allowing you to enjoy the ride without the worry.

Auto Loans: Drive Your Dream

  • Pre-Approval Advantage: Start with confidence by getting pre-approved up to 30 days before your purchase. Knowing your budget makes shopping for that new or used car or truck even easier.

  • Flexible Terms: Choose from loan terms of up to 84 months to find the payment plan that fits your budget perfectly (subject to some restrictions).

  • Competitive Rates: Whether it’s a brand-new sedan or a used pickup, get competitive rates that make financing smooth and affordable.

  • Extra Coverage: We offer up to 120% financing to cover additional needs like taxes and warranties, plus GAP Waiver options to protect your investment.

Motorcycle Loans: Freedom on Two Wheels

  • Ready to Ride: Approved for a street-legal motorcycle? Finance up to 100% of your new or used bike and hit the open road today (credit restrictions may apply).

  • Tailored Terms: With terms up to 84 months, your dream bike is more affordable than ever. Choose a plan that best suits your financial lifestyle (some term restrictions apply).

  • Competitive Rates for All Riders: Enjoy competitive rates that make owning a motorcycle both thrilling and budget-friendly.

Why Choose FCCU for Your Vehicle Loans?

  • Community Focused: At FCCU, you're more than just a member; you're part of a family that rides together. We understand your needs because we're part of the same community.

  • Supportive Financing: We're here to help you navigate the financing process with tools and advice to make an informed decision. Our team is committed to providing personalized service that puts your needs first.

Ready to Start Your Engine?

Whether it’s four wheels or two, FCCU has the financing options to get you moving. Apply today and experience the difference of banking with a credit union that cares about its members as much as you care about your new ride.

Home

Secure Your Home Dreams with FCCU Home Loans

A home is more than just a place—it's where your life unfolds. Whether you're buying your first house or using your home's equity to enhance your life, we're here with tailored, supportive solutions.

Mortgage Loans: Foundations for Your Future

  • Purchase or Refinance: Options for whether you’re stepping into the home of your dreams or refinancing to lower monthly payments.

  • Flexible LTV Options: We offer up to 80% loan-to-value ratios without PMI and higher LTV options up to 95% for primary residences with PMI.

  • Secure Rate Lock: Once your loan application is approved, we'll hold your agreed-upon interest rate steady for 30 days, giving you time to complete your home purchase or refinancing without worrying about rising rates.

  • Freedom of Payment: No prepayment penalties give you the flexibility to manage your loan on your terms.

Home Equity Loans: Unlock Potential

  • Versatile Financing: A Home Equity Line of Credit (HELOC) from FCCU is your financial tool for more than just remodeling (although it’s great for that!). Use it for debt consolidation, covering tuition costs, or managing unexpected emergencies—all at lower interest rates than most credit cards or personal loans.

  • Value and Savings: Borrow up to 80% of your home’s combined loan value with low closing costs.

  • Rate Options to Suit Every Homeowner: Benefit from rates as low as Prime minus 0.25% for qualified borrowers. Choose between fixed and variable rate options to match your financial comfort zone.

  • Property Requirements: Available for owner-occupied properties to ensure you're investing where it matters most—home.

Why Finance with FCCU?

  • Community-Centered: At FCCU, you're part of a family that values each member’s happiness and financial health. We offer personalized service that understands and respects your unique needs.

  • Support and Guidance: Our team is dedicated to guiding you through every step of your financial journey with home loans, offering insights and support tailored to enhance your understanding and confidence.

Begin Your Home Journey with FCCU

Whether upgrading your current home or buying your first, FCCU has the resources to support your endeavors. Apply today and feel the comfort of financial security with a credit union that puts its members first.

Personal

Personal Loans Tailored for You at FCCU

We offer personal loans designed to meet your needs, whether you're facing unexpected expenses or planning for your future.

Personal/Signature Loans: Flexible and Accessible

  • Flexible Funding: Borrow up to $30,000 based on creditworthiness to cover any of life's surprises or planned expenses—from medical bills to tuition or consolidating higher interest debt.

  • Simplified Budgeting: Enjoy the certainty of fixed monthly payments and no pre-payment penalties, making budget management straightforward and stress-free.

  • No Collateral Needed: Access funds without the need to secure your loan against personal assets.

Share Secured Loans: Keep Earning While You Borrow

  • Secure and Smart: Borrow against the funds in your primary savings account, continue to earn dividends, and enjoy low rates.

  • Flexible Terms: Benefit from terms up to 60 months with a rate only 2.50% above the dividend rate on your regular savings account.

Certificate Secured Loans: Leverage Your Certificates

  • Maximize Your Certificates: Secure a loan against your share certificate of deposit. This method allows you to keep earning dividends on your deposit while accessing the funds you need.

  • Advantageous Rates: Enjoy a rate just 2.50% above the pledged certificate rate with the term due at the maturity of the certificate.

Why Choose FCCU for Your Personal Loans?

  • Community-Centric: At FCCU, you're part of a family that supports each other. We offer personalized services that understand and meet your unique financial needs.

  • Transparent and Trustworthy: We pride ourselves on straightforward terms, clear conditions, and a commitment to helping you make informed financial decisions without any hidden fees.

Ready to Secure Your Financial Future?

Apply for a personal loan today and experience the supportive, family-like service at FCCU. Whether you're consolidating debt, funding education, or covering unexpected expenses, we're here to help every step of the way.

Credit Card

Experience More with FCCU Visa Credit Cards

A credit card should be more than just a piece of plastic—it's your partner in managing finances and achieving your dreams. That's why we offer Visa Credit Card options designed to reward you every step of the way.

Discover the Benefits of Our Visa Credit Cards

  • Reward Yourself: Earn bonus points for every net retail purchase to use towards merchandise or unforgettable travel experiences.

  • Enjoy Low Rates: Benefit from low rates on all purchases and balance transfers, helping you save money and manage your budget more effectively.

  • No Annual Fee: We understand every dollar counts, so our cards come with no annual fee, providing you great value all year round.

  • Advanced Security: Shop with confidence knowing your card includes chip-enabled technology.

Additional Perks:

  • $1,000 Identity Theft Insurance

  • Concierge Services

  • Travel Accident Insurance

Why Choose an FCCU Visa Credit Card?

  • Community-Centered: We're dedicated to offering products that truly benefit our members. Our credit cards are designed not just for transactions but for enhancing your lifestyle.

  • Transparent and Honest: With FCCU, what you see is what you get. No hidden fees, no surprises. Just a straightforward credit card that works for you.

Ready to Boost Your Purchasing Power?

Apply for your FCCU Visa Credit Card today and start enjoying the benefits that come with being part of a community that cares about your financial well-being and life’s journey.