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Current Loan Rates   |   Apply for a Loan

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

Friends 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).

A 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.

Apply Online

Apply Online for a Vehicle Loan or Personal Loan.

Print a Loan Application for a Mortgage, Home Equity Line of Credit, Home Improvement Loan, or Education Loan.

Apply Online for a Platinum MasterCard, in person at one of our offices.

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.


Message Pay texts you loan payment reminders

We know your life can be busy, demanding, and overwhelming at times. We all need reminders just to stay on schedule. With Message Pay, a free new service from Friends and Family Credit Union, we will text you a courtesy reminder five days prior to your scheduled loan payment.

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Auto & Other Vehicle Loans

Auto Loan Special

Finance your new or used vehicle with our low rates and low monthly payments that fit your budget. You can also refinance your auto loan from another lender at Friends and Family.

Apply now and you could get a rate as low as 5.99% APR up to 60 months. And your rate could lower to 5.74% APR with Family Advantage!

Additional rates are available with terms up to 76 months.

We offer low competitive rates and flexible terms up to 72 months on all vehicle loans. Call Friends & Family at 330-832-1371 or visit one of our branches to apply.

Apply Online

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)
• VA
• 100% USDA Rural Development
• Fixed & Variable
• No Fee HELOC
• Home Improvement

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

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.


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.

Apply Online

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.



*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.