[{Personal Loans}]
Loan Type
Signature / Personal Loan
Use for nearly any purpose
- Debt Consolidation
- Vacations
- Wedding Costs
- Vehicle Expenses
- Home Improvement
- Funds are paid directly to you - use the extra cash for any purpose
- Flexible Repayment Terms, up to 5 years
- No Collateral Required* Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Fixed Rates (see Rate Sheet)
Lifestyle Loan
For life transitions & medical
- Dentistry / Orthodontics
- Cosmetic or Weight Loss Surgery
- Electrolysis or Hair Restoration
- Lasik or Glasses, Hearing Aids
- Adoption or Infertility Treatments
- Cover costs that insurance may not cover.
- Funds are Paid Directly to your Service Provider
- Avoid third-party programs that extend your payments with hefty interest charges.
- Flexible Repayment Terms* Borrow up to $25,000
- Rates generally lower than standard personal loan rates (see Rate Sheet)
Buena Vida Loan
Un nuevo préstamo personal para ayudarte en todas tus necesidades
- Quinceañera (15th Birthday)
- Bodas (Wedding)
- Ciudadania (Citizenship)
- Proceso de inmigración (Immigration Process)
- Individual Tax Identification Number (ITIN) accepted
- Funds are paid directly to you for any purpose
- Flexible Repayment Terms, up to 5 years
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Fixed Rates (see Rate Sheet)
Generator Loan
For purchasing a generator
- Portable Generator
- Whole House Generator
When applying online, select "Personal Loan" to get started.
- Flexible Repayment Terms, up to 5 years
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Low Rate (see Rate Sheet)
Line of Credit
Pre-approved access to a cash advance
- Debt Consolidation
- Education Expenses
- Unexpected Expenses
- Overdraft Protection
- Major Purchase
- Revolving open-end loan with a set credit limit
- Continuously advance on the available credit limit without applying for additional funds.
- Eligible for Checking Account Overdraft Protection
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Affordable, Fixed Rates (see Rate Sheet)
Share Secured Loan
Borrow against your own funds as collateral.
- Build / Re-establish Credit
- Borrow at a Lower Rate
- Pay Off Bills
- Consolidate Debt
- Purchases
- Borrow up to 100% of the amount on deposit from a Share Account, Money Market, or Certificate of Deposit Account.
- Pledged funds continue to earn dividends throughout the term of the loan.
- The amount pledged in your account is released dollar for dollar as the loan balance decreases.
- Speedy Approvals and No Pre-Payment Penalties
- Low, Fixed Rates (see Rate Sheet)
[{Home Equity}]Need Over $30,000?
If you own a home, consider a Home Equity Loan. You can use the equity in your home as collateral to cover the cost for just about anything between $30,000 and $200,000 at a competitive rate.
Need a break from your monthly payment?
Members are eligible to apply to skip-a-payment on their loan up to twice in a 12-month rolling period (with a minimum of 60 days between each skip) to help free up a little extra cash when you need it. For full details, please visit the link below.
* Skip-A-Payment is subject to approval and does not apply to Unimproved Property loans, Home Equity loans, Auto Leases, Student loans, and MasterCard & Visa Credit Card. Terms, conditions & other restrictions apply.
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Loan Calculator
LOAN CALCULATOR
Enter your Principal Loan Amount, Interest Rate, and Length of Loan then click the "Calculate" button to see your estimated monthly payment.
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The information provided by this calculator is intended for illustrative purposes only. The figures shown are hypothetical and may not be applicable to your individual situation. This is an estimate only, your actual payment may vary. Be sure to consult a financial professional prior to relying on the results.
Loan Payment Options
Click here to learn more about the many loan payment options CFFCU makes available to our members.
* APR = Annual Percentage Rate. Loans are subject to credit approval. Rates are determined by an evaluation of applicant credit and may vary.