Loans

Automobile Loans | Visa Credit Cards | Personal Unsecured Loans | Home Equity Loans
Share Or Certificate Secured Loans | Boat, Recreation Vehicles and Motorcycle Loans

Automobile Loans

Are you looking for a loan to finance your next vehicle? Choosing Our Family Federal Credit Union for your financing is a wise choice! We offer up to 100% financing of retail values on new and used vehicles. On new vehicles we have terms from 24 months up to 72 months. On used vehicles we offer terms up to 60 months. We use N.A.D.A. (National Automobile Dealer's Association) to determine the retail value on new and used vehicles.

If you thought 0% financing was the best deal in town... Think again!! Taking the rebate and using it for a down payment, along with financing through your credit union can add up to BIG SAVINGS!! Your rates are determined by your credit score. Click here to view our current rates.

Apply Online Today!
If you financed your vehicle at another institution we may be able to reduce your payments and the interest rate also. Call our loan officer at (717) 560-7576. Act now and save!

Visa Credit Cards

Consolidate your high rate debts with an Our Family Federal Credit Union Visa credit card and save, save, save!!! Just e-mail our loan officer at karenw@ourfamilyfcu.com with your name, account number(s), address, and balance owed on the cards you wish to pay off.

Your savings can begin immediately.

If you do not have an Our Family Federal Credit Union Visa credit card, contact our loan officer at (717) 560-7576, or in person, or e-mail us at karenw@ourfamilyfcu.com. Act now to take advantage of our low cost, no hassle, and no gimmick card.

The Benefits You Will Enjoy Include:

Low fixed rates from 9.25% to 12.75% APR ( annual percentage rate)
No annual fee
25 day grace period on purchases
Cash advances are the same rate as purchases
Travel Accident Insurance of $250,000 (tickets must be purchased with your Visa card.
Score Card (Reward Points)– Merchandise & Travel awards
No balance transfer fee
No minimum Finance Charge
Extremely low late fee

FOR LOST OR STOLEN VISA CREDIT CARDS CALL 1-800-991-4961

You can view your VISA statement online without cost. Click here to access your account anytime, anywhere, 24 hours a day and 7 days a week. You will need to have your credit card account number available.

Personal Unsecured Loans

Signature Loans

Vacation, education, furniture, medical expenses, and weddings are examples of uses for an unsecured signature loan. Our rates are lower than department store credit cards and repayment terms are flexible. Click here to view our current rates.

Line Of Credit

Our line of credit is a revolving loan with a pre-set credit limit. Draws on the loan may be made at your convenience in person, or by telephone by calling (717) 560-7576. You do not need to reapply or fill out an application with each advance. Call today and begin enjoying the convenience and savings.

At the time of your advance, your payment will be recalculated and you will be notified of the new amount. The interest rate in force at the time of the new advance will apply. However, the rate will not change between advances.

Our rates are determined by your credit score. Click here to view our current rates.

Apply Online Today!

Overdraft Line-of-Credit

The Overdraft Line-of-Credit is an unsecured line-of-credit linked to your checking account. This loan will advance funds in $50.00 increments to cover checks you have written in excess of your balance. The interest rate is 11.99% APR and there is a fee of $6.00 per transfer. The minimum payment is $25.00 per month or $6.10 per hundred, whichever is greater. The minimum loan amount is $500.00 and the maximum is $1,000.00. You may apply on line or call our loan officer at the credit union.

Home Equity Loans

Your home may be worth more than you realize. Not only is it one of your greatest assets, it may also be a source of low cost convenient loans. Additionally home equity loans usually offer tax advantages. Some excellent uses for a home equity loan include:

Vehicle Purchases
Home Improvements
College Education
Debt Consolidation
Boat or RV Purchases

No matter what your purpose, our home equity loans offer low rate financing with possible tax advantages.*

We offer four types of Home Equity Loans to meet your needs.

Fixed Rate/Fixed Term

This loan has a fixed rate of interest and a fixed term. This loan should be used for one time financing needs when you wish a fixed rate and term and additional funds will not be necessary.

Variable Rate/Open End Revolving

This loan is for those who desire an open line of credit. The line of credit will have a predetermined limit based on the value of your home and advances can be made in person or over the telephone. The rate is variable and we offer two rates, one for a 70% or less loan to value on your home at 4.00% APR and one for a more than 70% loan to value on your home at 4.25% APR. This loan should be used for persons desiring an open line where advances can be made over time. You only take the funds as you need them. Excellent uses for a home equity line of credit include college education costs or home improvements paid out as work is completed. The rate changes quarterly and is tied to the 90 Day T-Bill.

* Check with your tax advisor if you have questions.

Rental Property – Fixed Rate Fixed Term

This loan is for individuals whom own rental properties and wish to use the equity in the rental property to finance improvements or use the equity for other purchases. We will finance up to 80% of the appraised value of the property. The rate is .25% higher than the regular home equity loan rates.

Click here to view our current rates.

* Closing Costs May Include:
Appraisal Cost	$175.00 to $350.00
Lien Search	$36.00
Recording Fees	$59.50
Flood Search	$20.00
Loan Satisfaction Fee	$ 42.00

Click here to request more information.

Share Or Certificate Secured Loans

Use your credit union savings or your certificates of deposit to borrow funds at extremely attractive rates, while preserving the assets in your accounts. The rate on your loan will be very attractive plus you will continue to earn dividends on your accounts. The funds securing the loan are frozen, based on the balance of your loan, until the loan is repaid in full.

Share Secured Loan

This loan is for individuals desiring a loan with a low fixed rate of interest and is secured by your share (savings) account. The rate is fixed and we offer flexible repayment terms up to 84 months.

Rates:
2.00% APR* with repayment terms up to 60 months
3.00% APR* with repayment terms up to 84 months

Certificate Secured Loan

This loan is for individuals wishing a loan with a low rate of interest and who are willing to use their certificate of deposit as collateral for the loan. The rate is variable and is tied to your certificate of deposit rate. The rate will be two percentage points above your certificate of deposit rate. The funds are frozen based on the balance of your loan.

Example of the APR that will be charged on your loan is:

If your certificate of deposit is earning 0.70% APY* the rate on your loan will be 2.70% APR*.

The rate on your loan will change each time your certificate matures and a new CD rate is applied. Your certificate of deposit will have to be renewed at maturity or the loan paid in full.

Click here to complete a loan application.

*APY is the annual yield earned on your certificate of deposit.

*APR is the annual percentage rate charged on your loan proceeds.

Boat, Recreation Vehicles and Motorcycle Loans

Our Family FCU is the place for Boat, RV, or Motorcycle loans. Our loans are processed quickly.

Save with our great new and used rates. You will also enjoy our fast, convenient and friendly loan processing. We finance up to 90% of the value of the Boat, RV, or motorcycle. Act now and begin enjoying your new "toy" and your savings.

Click here to view our current rates.

Click here to complete a loan application.

Click here to request more information.