Sidney Federal Credit Union

Loans

In the 19th Century, credit unions were created to give members easy access to loans at a reasonable cost. It’s a tradition we carry on proudly.

We offer a variety of loan types – secured or unsecured. Our rates are competitive, and our members get discounts for other products and services they use.

We offer a variety of loan types – secured or unsecured. Our rates are competitive, and our members get discounts for the other products and services they use.

LOAN TYPES

  • New and Used Automobile
  • RV, Boat or Motorcycle
  • Mortgages
  • Home Improvement
  • Home Equity
  • Mobile Home
  • Signature
  • Major Purchase
  • Overdraft Protection
  • Consolidation
  • Furniture/Appliances
  • Share/MMA Secured
  • VISA Classic, Gold, & Premium
  • Parent Plus
  • Student Loans

For added convenience, ask a loan representative about pre-approved loans.

MEMBER REWARDS

Auto, Major Purchases, Recreation Vehicles, Motorcycles, and Boat Loans, regardless of score, may qualify for a maximum of a 0.5 percent reduction in the interest rate.

Each of the following is worth 0.1 percent, up to the 0.5 percent maximum:

  • Mortgage
  • Credit Card
  • Checking
  • Payroll Deduction/Direct Deposit
  • Automatic Transfer
  • IRA
  • Term Share Certificate
  • Home Equity Loan
  • CU-Online Service
  • E-Statement Service
  • Debit Card

UNSECURED LOANS

Are approved without collateral – your promise to pay is only guaranteed by your signature. Such loans are often referred to as signature loans, because you simply sign an agreement to pay.

SECURED LOANS

Require collateral for the loan. You pledge something of tangible value, or provide a guarantor until the loan is repaid. Such collateral helps you establish credit.

Credit life and credit disability payment protection is available on all loans. The premium is simply included in your monthly payment.

WEBLOAN

Apply online! WebLoan will even help you calculate monthly payments with no obligation. If you have a CU-Online account, simply click Loans from the sidebar. If you don't have a CU-Online account, you may request an application in person at any SFCU branch, or request an application be mailed to you by calling your local branch.

Use WebLoan to apply for:

  • Auto Loan
  • Overdraft Protection
  • Personal Signature Loan
  • Consolidated Loans
  • Boat/RV Loans
  • Major Purchase Loans
  • Share/Money Management Secured Loans
  • Visa Classic, Gold,
    & Platinum cards