Personal Loans

Personal Loans

Personal Loans

  • Competitive loan rates
  • Easy application process
  • Fast local approval
  • Reduced rate with direct deposit payments!

rates     calculators

Share/CD Secured Loans

  • Use your regular Savings or CD balances as collateral to secure your loan
  • An excellent resource for rebuilding or establishing your credit
  • Get the funds you need when you need immediate financial assistance
    Subject to approval

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Share/CD Secured Loans
Unsecured Personal Loans

Unsecured Personal Loans

  • Competitive interest rates
  • An excellent resource for consolidating debt
  • Get the funds you need when you need immediate financial assistance
    Subject to approval

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Revolving Line of Credit

  • The flexibility to access additional funds whenever you need them
  • Generous credit limit
  • Perfect for light home repairs, car repairs, taking a much-needed vacation, and more!
  • No limit to the number of times you can use and repay funds
  • Transfer funds from your Line of Credit to another account
  • Great for protecting your checking account from accidental overdraft

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Revolving Line of Credit

Personal Loan Rates

Loan Term Rate
Personal Line of Credit   9.99% to 18.00%
Personal Loan up to 36 months 9.55% to 18.00%
Personal Loan
over $5,000
37-60 months 11.05% to 18.00%

Effective 01/17/2019

*Loan rates and amounts are based on the individual applicant's credit worthiness.

**VARIABLE RATE-the interest rate and/or term may change if the share rate or certificate rate changes.

These rates are current as of the date listed above and are subject to change without notice. These interest rates are for qualified FAMU FCU members only. These rates are provided for information only and are not intended to be a full disclosure. Please contact us for more details.

FEES AND CHARGES: If you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the LoanLiner Plan. Those fees will be disclosed at the time of the advance and will be added to your loan balance unless you pay them in cash.

MILEAGE NOTICE: If mileage is greater than 50,000 add 50 basis points to approved rate. If mileage is greater than 75,000 add 100 basis points to approved rate

LATE CHARGES: In addition to the continued accrual of the FINANCE CHARGE at the Daily Periodic Rate, if you fail to pay, at least, the minimum payment on any loan sub-account within 10 days after it is due, the Credit Union may assess a late charge equal to 10% of the payment due; with a maximum of $30.00.

COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

ADDITIONAL SECURITY: All share balances that you have with the Credit Union are subject to lien by the Credit Union whether specifically pledged or not. If you default on any loan advanced under the plan, the Credit Union shall be entitled to apply shares to any amount of charges then due under the Plan.

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue