NEW MILTON HOURS STARTING JULY 1, 2009: CLOSED ON WEDNESDAYS. DON'T FORGET THAT THE NINE MILE OFFICE IS OPEN FROM 8:00 A.M. – 12:00 P.M. ON SATURDAY'S. COME VISIT OUR DRIVE UP ATM THAT IS OPEN 24 HOURS. LET US ORDER YOUR ATM DEBIT CARD TODAY!
Loan Services
When you or a family member need to borrow money for any reason, we are here to help you. Apply for one of our consumer loan products that best suits your needs. All loans are subject to credit approval.
- Automobile/Truck Loans
- Recreation Loans
- Line of Credit Loans
- Signature Loans
- Savings or Term Certificate Secured Loans
- Special Home Improvement Loans
- Special Purpose Loans
If you're car or truck shopping, view more information on Vehicle Buying.
New & Used Automobile Loans
For new autos, amount financed up to 100% of purchase price, plus tax, tag and title.
For used autos, amount financed up to 100% of NADA retail value plus tax, tag and title.
Terms depend on year of vehicle. The credit union offers Extended Warranty and Gap.
Recreation Loans
If you're looking for a boat, motor home, travel trailer or any other recreational vehicle, we have a variety of terms and repayment schedules available for both new and used.
Line of Credit Loans
Our Line of Credit loans give you access to extra funds when you need them. Once approved, you can borrow up to your authorized limit and use these funds for whatever you like. You can borrow against the available balance as often as you like or use your line of credit for overdraft protection. If, at any time, you overdraw your checking account, we will automatically transfer funds to your checking account for free.
Signature Loans
You can borrow up to $5,000 to be used for a vacation, debt consolidation or anything else you might need. We have competitive rates and flexible terms up to 60 months.
Share Savings/Term Certificate Secured Loans
You can borrow against your available share balance or up to the maximum amount in your term certificate at a much lower rate when you pledge your share savings or term certificate for this type of loan. Your money will continue to earn dividends while serving as collateral for your loan.
Special Home Improvement Loans
For small repairs or improvements to your home, this loan might be the right thing for you. You can borrow up to $5,000 with a repayment schedule of up to 60 months.
Special Purpose Loans
The purpose of this loan is to provide purchase money for items like computers, appliances, furniture or other major purchases. Maximum term of 48 months.
The Credit Union offers credit life and credit disability on all of our loan products with the exception of some of our mortgage loans.
Check out our loan rates and then apply for a loan online!
Mortgage Program
Are you looking for a home or wanting to refinance your existing mortgage? Do you want to take out some equity in your existing mortgage for home improvements or college expenses? Here at Florida State Employees Federal Credit Union, we offer several fixed rate and adjustable rate mortgage programs to suit your needs. Mortgage loan applications are not available online. Please call or e-mail us for detailed and current rates.
These include the following:
Fixed Rate Mortgage Program
- A 15-year fixed rate mortgage loan for owner-occupied residence on a purchase or refinance.
- A three-year mortgage loan with a balloon at the 36th payment. Payments are figured using a 20-year amortization schedule. At the end of the term, the loan may be refinanced at the market rate current at that time.
- A five-year mortgage loan with a balloon at the 60th payment. Payments are figured using a 20-year amortization schedule. At the end of the term, the loan may be refinanced at the market rate current at that time.
- First mortgage loans on unimproved property to be repaid within 10 years.
- A fixed rate "No Closing Cost" Home Equity loan. Good for home improvements, bill consolidation, education, etc. Five- or 10-year fixed rate mortgage, minimum loan $5,000; maximum loan $30,000.
Mortgage loans with longer terms are offered through CU Members Mortgage to all our Credit Union Members. They offer a telephone application service for your convenience day or evening. Just call 1-800-635-7128 for pre-qualification.
Visa Credit Card
Here’s a credit card that fits all your needs! Consolidate all your high-interest credit cards into your own Florida State Employees Federal Credit Union NO ANNUAL FEE / LOW FIXED-RATE credit card.
Click here for more information.
Visit www.ezcardinfo.com for convenient online account viewing.
Credit Counseling
Today, with more financial obligations and options than ever before, money management may seem difficult and confusing. Through FSEFCU’s partnership with BALANCE you can get immediate information and assistance from professional financial counselors Monday through Saturday at no charge. For information about BALANCE, please call the toll-free number at 1-888-456-2227 or click here to visit them on the web at www.balancepro.net.
