Personal Loans

Get cash when you need it most with our Personal Loan. A personal loan has a fixed monthly payment with no collateral. The opportunities are endless: vacation, holiday cash, wedding, debt consolidation. It’s all up to you!

  • Maximum loan amount of $15,000
  • Flexible terms up to 6 years
  • No collateral needed
  • No title or deed required
  • No early payoff penalty
  • No processing fees

When you’re applying for this loan, we’ll need to know:

  • How much you need to borrow
  • How long you’d like to finance it for, also known as the term
  • Your source(s) of income
  • If consolidating, we’ll need to know who you’ll be paying off

We know unexpected expenses happen! You can get an advance on your next payroll for up to $1,000. And the best part, you have the flexibility to repay the loan for a maximum term of up to 6 months!

A processing fee of $20 will apply.  Applicant must have direct deposit from a qualified source to an SFCU checking account.  Maximum loan amount $1,000. Maximum term of 6 months.

The holiday season is here! It’s true. It’s one of the happiest times of the year… but it’s also one of the costliest times of the year. We have the perfect solution for you if you need the extra cash to make the season jollier. Our Holiday Loan* was designed with your savings in mind. We’ve even reduced the rate that’s typically charged for loans with no collateral.

  • 5% APR for 24 months
  • Borrow up to $2,500
  • Flexible payment options
  • No pre-payment penalty fee
  • No application fee
APR = Annual Percentage Rate. Advertised rate will apply to all borrowers who are approved. Other rates and terms are available for those who may not qualify for this program, or loan amount is greater than $2,500.  (Payment example: $2,500 loan for 24 months at 5% APR would have an approximate payment of $109.68. Interest will accrue during any deferral periods. Rates are subject to change without notice. Enrollment in optional programs, such as Debt Protection, has no bearing on approval.

*Annual Percentage Rate (APR). All loans subject to approval. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Rate ranges 6.78%–18% APR (Annual Percentage Rate) with terms up to 72 months. Rate and program are subject to change without notice.  Not all applicants will qualify.  All Maximum unsecured balance: $15,000. Monthly payment per $1,000 for 12-month term at 6.78% APR: $86.43; $10,000 borrowed for 72-month term at 9.50% APR: $182.78. Protection coverages, such as GAP, MBP, and Debt Protection are optional and not guaranteed by Schools FCU. These programs are not insured nor guaranteed by the NCUA. Your approval is not subject to the enrollment of any of the optional coverages. Click here for additional payment examples.

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