| Description | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | Repayment Option | |
| Personal Signature Loan | 10.28% | 9.49% | 39 Months |
| Gold LOC (Line of Credit) | 11.50% | Prime + 4% (variable rate) | Monthly payment figured on the balance. |
| Home Improvement Loans | |||
| Unsecured Home Improvement Loan | 9.89% | 9.24% | 48 Months Contact Us |
| Secured Home Improvement Loan | 8.88% | 8.24% | 48 Months Contact Us |
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details.
To estimate your minimum payment, use our Payoff Calculator Click Here.
To estimate your minimum payment, use our Payoff Calculator Click Here.
Effective Date: March 14, 2025
Minimum Payment Calculator
Explore how much you could save by paying more than your minimum payment.
See how paying above the minimum at a fixed rate affects your payoff schedule:
Balance
Years
Payoff Date
Nov 2027
Total Amount Paid
$12,412
Total Interest Paid
$2,412
Interest Saved
$2,907
| Years | Minimum Payment | Fixed Payment |
|---|---|---|
| 0 | $10,000 | $10,000 |
| 1 | $7,297 | $6,637 |
| 2 | $5,324 | $2,660 |
| 3 | $3,885 | $0 |
| 4 | $2,835 | $0 |
| 5 | $2,069 | $0 |
| 6 | $1,509 | $0 |
| 7 | $1,101 | $0 |
| 8 | $803 | $0 |
| 9 | $586 | $0 |
| 10 | $428 | $0 |
| 11 | $304 | $0 |
| 12 | $165 | $0 |
| 13 | $1 | $0 |
| 14 | $0 | $0 |
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