LOAN PROGRAMS

Through a wide variety of loan products, Flint Area School Employees Credit Union members have several loan options we can tailor to your financial needs and budget. We make it easy to apply for and quickly process loans to purchase new or used vehicles, finance home improvements, purchase a new home or take a special vacation.

Secured Loans
A secured loan means that you pledge certain financial assets as collateral until the loan is paid in full. When you buy a new car, for example, the car is the collateral. The credit union offers a variety of secured loan products which include:

• Automobile Loans
• Mortgage Loans (Purchase or Refinance)
• Home Equity Loans or Lines of Credit
• Computer Loans
• Recreational Vehicle Loans
• Share Savings or Certificate of Deposit Secured Loans

LOAN INTEREST RATES

Unsecured Loans
An unsecured loan, which is often called a signature or personal loan, usually does not require you to pledge financial assets as collateral. Your signature on the loan contract is the guarantee for repayment of the loan. The credit union offers a variety of unsecured loan products which include:

• Revolving Lines of Credit
• Overdraft Lines of Credit for Share Draft Checking Accounts
• Signature Loans
• Summer Expense Loans
• Holiday Loans

Line of Credit Loans
A line of credit is a pre-approved loan that gives you the flexibility to borrow the funds you need, whenever you wish, up to your approved limit. Funds are easily accessed through A+COMPUTE online banking or the A+CALL telephone transaction system to transfer your funds into your share draft checking account. Monthly payments are based on the amount of your last loan advance.
LOAN INTEREST RATES

Vehicle Lending Program

Easy Payment Options
For your convenience, you may select from many options to repay your loan. Make your loan payment by choosing an option that fits your needs.

Your options include:

• Payroll Deduction (Payments automatically deducted from the direct deposit of your payroll, ACH, pension or social security)
• Automatic Transfer (Payments scheduled to transfer from your regular share savings or share draft checking account at the same time each month)
• A+CALL® Telephone Transaction System
• A+COMPUTE® Online Banking
• By Mail
• In person at one of our offices

For school employees who do not receive a paycheck during the months of July and August, you can apply for your loan to not require payments due during those months.
LOAN INTEREST RATES
CALCULATORS

Obtain Your Loan Today!

To apply for your loan, schedule an appointment with a loan officer or if you have any questions, simply contact our loan department at (800) 369-2786 or (810) 720-8300 or visit one of our convenient locations. Our loan officers are available to discuss your needs, analyze your particular financial situation and find a loan program that is right for you! We will be glad to process your loan request with fast, quality service that is guaranteed.

Complete your application now! Simply click here to download, complete, print and return your loan application to the credit union.

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