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Planning a dream vacation? Need to make some unexpected home repairs? Need a personal line of credit?

We’ve got a loan for that!

person picking samples for a home improvement project

Personal Loans

A Personal Loan offers a fixed rate and term so you can budget your monthly payment. There are no fees to apply and you can prepay at any time. Personal Loans can help you quickly receive the money needed for special events, home improvements, unplanned expenses, etc.

Credit_Sense_Program

Credit$ense

No credit? Bad credit? Work towards financial health and build your credit with our Credit$ense Program! Borrow $500-$3,000 at a low fixed rate of 6.99% APR with flexible terms up to 24 months. Your loan proceeds will be deposited and secured in your Savings Account, and paying your loan on time will have a positive effect on your credit history. Learn more about Credit$ense here.

phone showing a stock growth chart

Stock Loans

Get what you want – with the purchasing power of your assets. Our Super Stock Loan program provides a valuable and exclusive benefit that lets the value of your company stock continue to appreciate1 while you take advantage of the equity it’s built up and any dividends you may receive.

  • Loans up to 80% of the current market value for J&J Stock (JNJ); 75% for any other publicly traded company in our field of membership, and 60% for all other stocks traded on the NYSE or NASDAQ.
  • Maximum loan amounts up to $1 million.
  • Extremely competitive rate based on the 10-year T-bill rate for the Fixed Payment option, and the Prime Rate for Line of Credit and Interest Only option.
  • Two payment options are offered – Interest Only or Fixed Payment of principal and interest.
  • Applying is simple with no credit verification required.
  • Same day service on your loan request!

Personal Loan Rates & Terms

Term Loans1,2,3,4,5,6

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Personal LoanUp to 60 months11.54%$22.01

Lines of Credit1,2,3,4,5,6

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Personal Line of CreditUp to 120 months14.24% $15.67

Stock Secured Loans1,2,3,4,5,6

TypeTermAnnual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Line of Credit4.50%$5.55
Principal & InterestUp to 120 months6.00%$ 11.10
Interest OnlyUp to 12 months4.25%$3.33 Interest Only

Let’s Get Started!

Disclosures

(1) All loans subject to credit approval and not all applicants will qualify.

(2) Not all borrowers will qualify for the lowest rate.

(3)  Personal Line-of-Credit rate will be based on the current PRIME rate plus a margin based on individual credit circumstances, but will never be lower than 9.99% or higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. An annual fee of $25 is charged on the anniversary date the Personal Line-of-Credit is established. Rates are subject to change without notice.

(4) Loans and Lines of Credit not available in Puerto Rico.

(5) The Annual Percentage Rate (APR) is based on individual credit circumstances, and is subject to change daily once your line is established.  Prime equals Prime Rate as listed in the Money Rates section of the Wall Street Journal on the 20th day of the 2nd month of the previous quarter. Current Prime Rate is 6.25%. Minimum rate is 9.99% APR.  An annual fee of $25 is charged annually on the anniversary of a personal credit line.

(6) Relationship Premium APR quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1-existing checking acct with minimum monthly Direct Deposit of $500.00, 2-FRFCU debit card with minimum 5 transactions in previous month, 3-Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. Rates effective as of 10/04/22