Lending Services

 

Fast, Easy, Efficient, Friendly

 
 

We offer loans for almost any purpose at affordable rates and convenient terms. Apply today or contact us at 931-486-3125. 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.

View Loan Rates

Rate Calculators

Loan Application & Process

 

To apply for a loan just complete our Loan Application and send it 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
  • Loan documentation fee at time of closing $ 25 - can be added to loan proceeds

Share or Certificate Secured Loans

 
 

Borrow up to 100% of the amount deposited. 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.

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 is 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.

 

Platinum VISA Credit Cards

 
 

Platinum VISA Credit Cards are available with credit limits up to $20,000 with no annual fee.

  • 25 day grace period
  • No balance transfer fee

Vehicles &
Recreational Equipment

 

Pre-approvals are the easiest way to shop hassle-free.

Financing available 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.

Need additional assistance in choosing your next car? Use our special member tools to help!

CarfaxBlack Book


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

Up to 100% of purchase price on new and Black Book retail on used recreational equipment to qualified applicants. Recreational loans include travel trailers, personal watercraft, 5th wheel campers, etc.

Longer terms and special rates available on motor homes. Collision and comprehensive insurance is required.

Longer terms and special rates available on houseboats. Collision and comprehensive insurance is required.

First Mortgages

 
 

Financing for home purchases are now available right here at Family Advantage Federal Credit Union. A large variety of mortgage loan programs are 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.

Additional assistance can be found on our First Mortgage Information Page.

Contact our Mortgage Originator, Mariann Sanders at 931-499-7148 to set up an appointment. Fax number: 931-486-0994

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 931-486-3125.

* 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 pay off debts, consolidate loans, make home improvements or take that special vacation. With rates as low as 4.25% 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 is only available in Tennessee. Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate.

Member Choice Rewards Terms and Conditions

 
 

You will earn 1 point per dollar spent on purchases and cash advances. Returns will be deducted from the bonus points calculation. There is no limit to the amount of point you can earn! Accounts that are past due three (3) payments will be excluded from earning, redeeming, or retaining points. If your account is closed, voluntarily or involuntarily, you will forfeit all points. Accounts without purchase or cash advance acitivity for twelve (12) months will forfeit all points. Your points will expire after five (5) years, with the oldest points expiring monthly.

You will receive a breakdown of your points on your monthly credit card statement. To redeem points, contact the member choice rewards center at 1-888-290-5457.

View Statements and Make Payments Online

 
     

 

Family Advantage Federal Credit Union
Main Branch: P.O. Box 39,
100 Stephen P. Yokich Pkwy Spring Hill, Tennessee 37174
931.486.3125 or Toll-Free 1.888.486.3125


Branch Hours: Spring Hill
Lobby - Monday - Friday 9am - 5pm, Saturday 9am - 12pm
Drive -Thru - Monday - Friday 9am - 5pm
ATM - 24/7

 

Columbia Branch: 615 West 7th Street, Columbia, Tennessee  38401
931.486.3125 or Toll-Free 1.888.486.3125

 

Branch Hours: Columbia
Lobby - Monday - Friday 9am - 5pm
Drive-Thru - Monday - Friday - 9am - 5pm, Saturday - 9am to 12pm
ATM - 24/7

About Family Advantage

Contact Us

Checking Services

About Us

Savings Programs

Media

Lending Services

For Sale

Membership & Benefits

Disclosures/Forms

 

Careers

 
 
 
 
 
 

More Services

Convenience Services

ER Transportation Services

Shared Branching

Home/Auto Insurance

Financial Advisors

Other Services

 
                 
Family Advantage Federal Credit Union   NCUA Contact Us • About Us • Careers • Branch & ATM Locator • Privacy & Security • Site Map
 

FacebookTwitterEqual Housing Lender | APY = Annual Percentage Yield | APR = Annual Percentage Rate
© 2017 Family Advantage Credit Union - All rights reserved - Images used for representational purposes only and do not imply government endorsement.
Rates are variable and are based on an evaluation of credit history, so your rate may differ.