Loans

Current Loan Rates   |   Apply for a Loan

Auto & Vehicle Loan  |  Home Equity Line of Credit   |  Home Improvement Loan 
Mortgage Loan and Refinance  |  Personal Loan  |  Tuition Loan

 

LoansFriends and Family Credit Union offers a variety of loans at competitive rates for your borrowing needs. There are no application fees or pre-payment penalties and the interest is computed only for the time that you have the money (simple interest).

Simple Application Process

Visit one of our branches to apply in person or call our Loan Department at our Main Office at 330-832-1371. Loans may be paid by monthly payments or through payroll deductions. FFCU is able to offer a short turn around time on loan approvals under most circumstances. Print a Loan Application.

Get Pre-Approved

Pre-approvals for all loans are available and will be held at the specific rate for 60 days. All loan transactions are confidential.

Auto & Other Vehicle Loans

We offer new and used vehicle loans for cars, trucks, vans, and motorcycles, boats, RVs, ATVs, and snowmobiles. We offer low competitive rates and flexible terms up to 76 months on all vehicle loans. Call Friends & Family at 330-832-1371 or visit one of our branches to apply. Print a Loan Application.

Check our loan rates.

Helpful Links
NADA - Auto Research Guide

Credit Life and Disability Insurance

Mortgage LoansProtect your family and estate with Credit Life and Disability Insurance, which will pay off your loan should you not be able to in case of death or disability. Ask us about this service.

Mortgage Loans

Get a new mortgage or refinance your current mortgage with minimal closing costs and no points. Our mortgage experts work with you to get you a low rate and close your loan fast with minimal fees.

We love to work with people buying their first home and make the process simple and stress-free!

Our Advantages:
• Competitive rates
• Low closing costs
• Knowledgeable and experienced loan officers
• Payments accepted locally

Our Menu of Loan Products:
• Conventional (10, 15, 20 and 30 years available)
• FHA
• VA
• 100% USDA Rural Development
• Fixed & Variable
• HARP
• No Fee HELOC
• 100% Home Improvement

Call Friends & Family at 330-832-1371 to apply for a mortgage.

 

Home Affordable Refinance Program (HARP)

At Friends and Family Credit Union we offer a product built specifically for homeowners looking to take advantage of RECORD LOW INTEREST RATES, but are unable to refinance due to deflated home values. The product is HARP 2.0. It offers our members a fixed rate loan with terms of 15, 20, or 30 years.

This is a fixed rate loan with NO home value requirement. Contact a Friends and Family mortgage specialist about the HARP program as well as other mortgage products such as FHA, Conventional and USDA RD. Call Friends & Family at 330-832-1371 to apply

*Annual Percentage Rate. Additional restrictions may apply. All rates and promotions subject to change without notice. Loan rate is determined by term of loan and personal credit history. Subject to normal credit criteria and underwriting guidelines. Appraisal may be required. Processing fee of $495.00. PMI may be required or transfer existing.

Home Equity Line of Credit

A Home Equity Line of Credit (or HELOC) is a good way to finance almost anything with a rate that is typically less than a traditional loan or a credit card. It is a loan set up as a line of credit for a maximum draw, rather than for a fixed dollar amount. The flexibility, low rate, and absense of many fees makes it one of our most popular products.

A HELOC uses the equity in your home as collateral. Qualified members can borrow up to 80% of the value of your home.

Friends and Family works with you to set a maximum amount of money that you can use whenever you want to. You can draw on the line to finance home improvements, education costs, pay off debts, take a vacation, pay emergency expenditures… or just about anything else. And you only pay interest on the amount that you use.

Our HELOC rates are low, and offer NO FEES, including NO application fees, NO appraisal fees, NO annual fees and NO closing costs.

Call our Loan Department at 330-832-1371 for more information and to apply. Print a Loan Application.

Check our HELOC rates.

Home Improvement Loan

For a limited time, borrow up to 100% of your home’s value at a rate as low as 5.99% APR!* Call our Loan Department at 330-832-1371 for more information and to apply. Print a Loan Application.

 

Personal Loans

Bill Consolidation Loan
Consolidate your debt into one low-rate loan. Get a fixed rate with terms up to 60 months. No security or collateral is required.

Signature Loans
Get a low fixed rate with terms up to 60 months. No security or collateral is required.

Savings Secured
Offers a lower rate because you use your savings account as collateral.

Call our Loan Department at 330-832-1371 for more information and to apply. Print a Loan Application.

Check our loan rates.

 

Tuition Loans

Need help with tuition? Friends and Family Credit Union can help! Tuition loans can be used for high school tuition at approved schools.

Contact us for personalized assistance or print an application below.

Tuition Loan Application Form

Tuition Loan Advance Request

 

 

*APR = Annual Percentage Rate. Rates are subject to change without notice and are based on borrowers creditworthiness. Advertised loan rates reflect maximum discounts of 0.50%. Loan Discounts may be available when you sign up for Payroll Deduction, Automatic Transfer, 10% Cash Payment, or have $5,000 on deposit in a non-checking account. Please contact us for details.