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.

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.

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!

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.

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.

Home Improvement

Borrow for home improvement 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.

  • 10 day grace period

  • No balance transfer fee

Loan Protection

Take advantage of low-cost payment protection plans like our Gap and Warranty insurance products. 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.

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. Conventional, FHA, VA and USDA programs available.

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

Second Mortgages

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

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.

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