Fast, Easy, Efficient, Friendly

Loans for most any purpose at affordable rates
and convenient terms. Apply today by clicking
on Loan Application or contacting us at 931.489.6004.

All rates and terms are subject to change without notice. Loan rates and terms will vary based on credit rating, value of collateral (if applicable) and term chosen.

See Loan Rates.

Credit Cards
Vehicles
Classic Autos
RVs
Boats
Motorcycles
Secured Loans
Household Goods
First Mortgages
Second Mortgages/
Home Improvement
Personal Loans
Overdraft Line of Credit

Loan Application & Process

To apply for a loan just complete our Loan Application and forward to the credit union by fax, U.S. mail or personal delivery. A credit union loan officer will review your application, secure your credit report and contact you with the loan decision.

Loan Protection

Take advantage of low-cost payment protection plans. Payment protection covers your loan payment in the event of death or disability through an illness or accident. One less worry for you or your family.

Loan Payments

Making loan payments couldn't be any easier. You select the method of payment and frequency. Payments can be made by ACH, automatic transfer, or payroll deduction.

     • No prepayment penalties on any
        Credit Union loans.

     • No Application fees

Credit Cards

Platinum VISA Credit Cards are available with credit limits up to $10000 with no annual fee.

To view statements and make payments online, CLICK HERE to log in.

To view your Rewards online, CLICK HERE.

Rates based on credit score and subject to credit approval.
 

New/Used Vehicle Loans

Pre-approvals are the easiest way to shop hassle-free. Financing up to 100% of the purchase price on new vehicles or Black Book retail on used vehicles to applicants who are qualified. Collision and comprehensive auto insurance is required.
 

Classic Autos

Financing available on older model cars that fall under the CPI Guide book. Terms vary-check with the Credit Union for more details. Collision and comprehensive auto insurance is required.
 

New/Used Recreational Loans

Up to 100% of purchase price on new and Black Book retail on used to qualified applicants. Recreational loans include travel trailers, personal watercraft, 5th wheel campers, etc. Longer terms and special rates available on motorhomes. Collision and comprehensive insurance is required.
 

Click here to view statements
and make payments

New/Used Boats

Up to 100% of purchase price on new and Black Book retail on used to qualified applicants. Longer terms and special rates available on houseboats. Collision and comprehensive insurance is required.

New/Used Motorcycles

Up to 100% of purchase price on new and Black Book retail on used to qualified applicants. Collision and comprehensive insurance is required.

Share or Certificate Secured Loans

Borrow up to 100% of the amount deposited. These loans carry our lowest interest rate. Dividends continue to pay on the savings or share certificate account while used as collateral. As the loan is paid down, funds become available for withdrawal.

Household Goods

Financing available for new furniture, electronic equipment, computers, lawnmowers, etc. Funds are available for new purchases only. Terms up to 36 months.

Home Improvement

Borrow for home improvements needs such as carpet, roof, heat pump, etc. Contact the Credit Union for more details

First Mortgages

Financing for home purchases are now available right here at the Family Advantage Federal Credit Union.  A large variety of mortgage loan programs available to meet the many diverse needs of our members from fixed and variable rates. Loan closings are set up locally for the convenience of our members. FHA and VA programs available.

To manage your CUNA Mortgage Loan efficiently and effectively on-line, go to www.myloaninformation.com to log-in.

Second Mortgages/Homeowners Edge

Use the equity in your home to purchase big ticket items, make needed home improvements, pay education expenses or whatever reason you want plus have a tax advantage*. For more details contact our loan department at 931-489-6004.

* Consult your tax planner for income tax advice

Home Equity Lines of Credit (HELOC’s) Available*

Now is the time to tap your home’s equity to payoff debts, consolidate loans, make home improvement or take that special vacation. With rates as low as 5% APR* we’ll make it easy; just stop in or call one of our loan officers today.

There are possible tax advantages so seek your tax advisor to determine your specific situation.

*HELOC’s available only in Tennessee. Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate.

Personal Loans

Personal Loans are available for purposes such as home improvement, medical bills, vacation ,etc. Maximum amount available is based on income, credit history and ability to repay.

Overdraft Line of Credit

Additional overdraft protection available to cover checks. This service will enhance your buying power and avoid overdraft fees. You only pay for the amount advanced plus accrued interest.