Loan Products

Halloween 2018 Personal Loan Special

Are you creeped out by high interest? We're currently offering spooky good personal loan rates as low as 6.99% APR.* Plus, grab a candy bar from the pumpkin at closing for a cash bonus of $25 or $50.

*APR = Annual Percentage Rate. Credit restrictions apply. Rates are based on creditworthiness so your rate may differ. All loans subject to approval. Minimum amount borrowed is $2,000. Offer available September 15 - October 31, 2018. Promotion subject to change or end at any time without notice. This credit union is federally insured by the National Credit Union Administration. **No purchase necessary. See credit union for details. 

Home Equity Lines of Credit

A Home Equity Line of Credit can help you achieve goals. This is a great way to use the equity you’ve built up in your home for many different purposes; for example, make home improvements or repairs, consolidate high-interest credit card debt, or make a large purchase.

A Home Equity Line of Credit may be right for you if you prefer:

  • Access to funds now and into the future (much like a credit card)
  • A lower interest rate than many other types of credit
  • Potential tax deduction on the interest*

Freedom 1st Credit Union may finance up to 80% of the appraised value.

For a limited time, we’re offering NO CLOSING COSTS** on our home equity lines of credit. Ask any loan officer for more details.

* The amount that the Credit Union will finance depends on credit score and the amount of equity available.
** Closing costs waived include appraisal, title search, flood certification, recording fees. Credit Union reserves the right to discontinue, change and/or update the promotion without notice. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness. All loans subject to approval. Membership eligibility required. NMLS #657987, Equal Housing Lender. Consult your tax advisor for details.

Student Loans

With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

More Info on Smart Option Student Loan®

Automobile Loans

Whether you need a new car or used car, van or truck, you’ll be on the road in no time. We offer a variety of options to suit your needs. You’ll find our rates and terms to be very competitive. Apply online, it’s easy!

  • Your Credit Union finances up to NADA RV on used autos
  • Unlike banks, your CU finances autos up to 15 yrs old.
  • Process for approval is fast – funds available as quickly as same day
  • Pre-approval available – increase your bargaining and negotiating power when shopping around
  • Refinance your existing loan from another financial institution to save money
  • No prepayment penalties

Recreational Loans

If you’re looking for a little adventure, we have attractive rates on any type of recreational vehicle, boat, snowmobile, quad runner, camper, motorcycle, and more! With a loan from Freedom 1st Credit Union you will be sure to have a low payment and good interest rates. Apply today!

  • Rates as low as 2.99%
  • You could qualify for up to $250,000
  • You can use your loan towards the purchase of either a NEW or USED recreational vehicle
  • Process for approval is fast – funds available as quickly as same day
  • Pre-approval available – increase your bargaining and negotiating power when shopping around
  • Refinance your existing loan from another financial institution to save money
  • No prepayment penalties

Real Estate Loans

Freedom 1st Credit Union offers home equity loans on your primary residence for anything that comes to mind such as: education, home improvements, cars, boats, or bill consolidation. Rates are competitive and closing costs are nominal.

A Home Equity loan is another great way to use the equity you've built up in your home for many different purposes. Freedom 1st Credit Union may finance up to 80% of the appraised value. Nominal closing costs also apply. Another added benefit for home equity loans is the interest may be tax deductible (consult your tax advisor for details).

Debt Consolidations

Are you overwhelmed with bills every time you go to your mailbox? Freedom 1st Credit Union has the solution! With a Freedom 1st Credit Union debt consolidation loan we will pay off your creditors so you will have only one bill to pay - that's us! We can arrange your payments to be made easily through payroll deduction or direct deposit. We have the payment plan for you.

Share Secured

If you have money in your account but just don't want to withdraw it, a share secured loan may be for you. These loans have a low interest rate and terms to fit your budget. As the balance of your loan is paid down, the amount of shares pledged in your account is released. Your savings will still receive dividends while it is pledged as collateral on the loan.