Loan Type
Signature / Personal Loan
Use for nearly any purpose
- Debt Consolidation
- Vacations
- Wedding Costs
- Vehicle Expenses
- Home Improvement
- Funds are paid directly to you - use the extra cash for any purpose
- Flexible Repayment Terms, up to 5 years
- No Collateral Required* Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Fixed Rates (see Rate Sheet)
Lifestyle Loan
For life transitions & medical
- Dentistry / Orthodontics
- Cosmetic or Weight Loss Surgery
- Electrolysis or Hair Restoration
- Lasik or Glasses, Hearing Aids
- Adoption or Infertility Treatments
- Cover costs that insurance may not cover.
- Funds are Paid Directly to your Service Provider
- Avoid third-party programs that extend your payments with hefty interest charges.
- Flexible Repayment Terms* Borrow up to $25,000
- Rates generally lower than standard personal loan rates (see Rate Sheet)
Buena Vida Loan
Un nuevo préstamo personal para ayudarte en todas tus necesidades
- Quinceañera (15th Birthday)
- Bodas (Wedding)
- Ciudadania (Citizenship)
- Proceso de inmigración (Immigration Process)
- Individual Tax Identification Number (ITIN) accepted
- Funds are paid directly to you for any purpose
- Flexible Repayment Terms, up to 5 years
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Fixed Rates (see Rate Sheet)
Generator Loan
For purchasing a generator
- Portable Generator
- Whole House Generator
When applying online, select "Personal Loan" to get started.
- Flexible Repayment Terms, up to 5 years
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Competitive, Low Rate (see Rate Sheet)
Line of Credit
Pre-approved access to a cash advance
- Debt Consolidation
- Education Expenses
- Unexpected Expenses
- Overdraft Protection
- Major Purchase
- Revolving open-end loan with a set credit limit
- Continuously advance on the available credit limit without applying for additional funds.
- Eligible for Checking Account Overdraft Protection
- Speedy Approvals and Pre-Approvals
- No Pre-Payment Penalties
- Affordable, Fixed Rates (see Rate Sheet)
Share Secured Loan
Borrow against your own funds as collateral.
- Build / Re-establish Credit
- Borrow at a Lower Rate
- Pay Off Bills
- Consolidate Debt
- Purchases
- Borrow up to 100% of the amount on deposit from a Share Account, Money Market, or Certificate of Deposit Account.
- Pledged funds continue to earn dividends throughout the term of the loan.
- The amount pledged in your account is released dollar for dollar as the loan balance decreases.
- Speedy Approvals and No Pre-Payment Penalties
- Low, Fixed Rates (see Rate Sheet)
Need Over $30,000?
If you own a home, consider a Home Equity Loan. You can use the equity in your home as collateral to cover the cost for just about anything between $30,000 and $200,000 at a competitive rate.
Need a break from your monthly payment?
Members are eligible to apply to skip-a-payment on their loan up to twice in a 12-month rolling period (with a minimum of 60 days between each skip) to help free up a little extra cash when you need it. For full details, please visit the link below.
* Skip-A-Payment is subject to approval and does not apply to Unimproved Property loans, Home Equity loans, Auto Leases, Student loans, and MasterCard & Visa Credit Card. Terms, conditions & other restrictions apply.
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Loan Calculator
Loan Payment Options
Click here to learn more about the many loan payment options CFFCU makes available to our members.
* APR = Annual Percentage Rate. Loans are subject to credit approval. Rates are determined by an evaluation of applicant credit and may vary.