Florida Credit Union | Florida Banking



PERSONALBORROWPERSONAL LOANSIntroThroughout life, you will experience financial stress and times where you need a helping hand, but with Florida Credit Union on your side, you won’t have to navigate these problems on your own. While our selection of free checking accounts, personal savings accounts, and financial advisory services are ideal for helping you manage your finances, it's our personal loans and debt consolidation loans that really help our members safeguard their financial stability. Whether you have good credit, bad credit, or are somewhere in between, FCU has a personal loan designed to ensure you’ll have the funds you need for the life you lead. Apply online, call 1-800-284-1144 or visit one of our branches to get started.Debt Consolidation LoansConsolidating all your high-interest loans and credit card debt into one reliable, lower-interest payment is a good way to get your debt under control. Even if you don’t own a home, have bad credit, or have little to no equity we can help you save today with a Debt Consolidation Loan. eCredit – Checking Account Credit When You Need ItThere are few things worse than the worry associated with miscalculating your finances, but with eCredit through Florida Credit Union, you and your free checking account are protected. eCredit is an electronic account that gives you added spending power by protecting your checking account against miscalculations and providing a little extra money to hold you over until payday. eCredit is a line of credit, similar to FCU's credit card options, but with very convenient ways to access and use money. We tie your checking account to eCredit, then when you write a check or use your debit card, eCredit can be easily accessed. Depending on the limit you receive, you can even use it for large purchases. Your eCredit account is also linked in FCU’s Online Banking system, so you can transfer to and from your account as you see fit.No Hassle LoansNo Hassle Loans are personal installment loans to get you the money you need quickly even if you do not have perfect credit. Rather than repaying the loan in one lump sum like with an Early Check Advance or Payday loan no hassle loans at FCU allow you to have a payment plan you can afford. No Hassle /Flash Fund Loans are typically for loan amounts between $1000 and $3000 with repayment term of 15 months to 36 months.Early Check Advance (ECA) LoansIf you’re running low on cash, but payday is still days away, Florida Credit Union can help! Our Early Check Advance loan is an affordable alternative to high-cost payday loans. FCU members can receive paycheck cash advance services up to $1000 at a lower price than payday lenders! FCU gives you 30 days to repay the advance.Save Money by Refinancing Your LoansIf you have a loan from another financial institution, refinance it with FCU for instant savings. We can help lower your monthly payments, save money on the overall term of the loan, or even accomplish both, all in one package.Optional Payment ProtectionUnfortunately, life is full of unexpected challenges and tragic events that can affect your financial stability. Florida Credit Union knows that no one can be prepared for everything, which is why we provide our members with payment protection services designed to preserve your financial future and make sure you and your loved ones are financially secure. Payment protection coverage provides a valuable safety net by making loan payments in the event of disability or death of a covered member. For your convenience, your premium is included in your loan payments, so there’s no extra payment to make.Credit Score Enhancement and AnalysisYour credit score is an integral part of your financial success, and Florida Credit Union is committed to helping ensure you’re going in the right direction. FCU offers free credit counseling to help you identify the best plan for your finances. It’s a no-cost, risk-free opportunity to pay off existing loans and get ready for big purchases in your life, such as buying that car, home, or boat you’ve been dreaming of for so long.Personal Loan Services Available 24/7FCU Loan Officers are available by phone 24 hours a day, 7 days a week. Just call your local FCU branch to get your loan application started.Learn more about Florida Credit Union's personal loan options by reading our Personal Loans brochure!Contact a Florida Credit Union personal loan officer for more information on our banking services and loan options or visit any of our local credit union branches! ................
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