Welcome to Strategic Federal Credit Union
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Routing Number: 256078556
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Loan Products

Student Loans
Now you can pay for college the smart way. Sallie Mae® Smart Option Student Loan®

New and Used Auto Loans
Before you consider dealer or bank financing, see your credit union for your new or used vehicle financing. We can provide you with low cost financing and valuable consumer pricing information to research the purchase you're considering. Strategic FCU can finance up to 100% of the purchase price of a new car, van, or truck and up to the NADA retail value for used models.

Home Equity Line of Credit
Home improvements, debt consolidation, education expenses, automobile purchases.....they all take money. As a low-cost revolving line of credit, a Strategic FCU Home Equity Line of Credit can provide the funds you need for whatever major expense you have - whenever you want!

  • Prime* - 1%
  • Credit Limits of $10,000-$250,000 (min. initial advance of $1,000.00 required)
  • 5 Year Draw Period
  • $500 credit towards closing costs**
  • Borrow Up to 90% of your Homes Value Minus First Mortgage
  • Tax-Deductable Interest Payments (Consult your tax adviser)
  • Floor interest rate of 3.25% with a ceiling of 18%.
  • No Points
*Annual Percentage Rate; rate is tied to WSJ Prime Rate minus 1 and is subject to change quarterly. Prime - 1%. Floor rate 3.25% and ceiling rate 18%.
**Repayment of closing cost credit is required if loan is paid off/closed within 12 months.


Home Equity
The simplest, most basic home equity loan around! Home Equity is excellent for one time borrowing needs such as education, home improvement, or debt consolidation. Home Equity benefits include:

  • $500 credit towards closing costs**
  • Fixed rate
  • One time advance of $10,000-$250,000
  • Up to 10 year term
  • Borrow Up to 90% of your Homes Value Minus First Mortgage.
  • No Points
**Repayment of closing cost credit is required if loan is paid off/closed within 12 months.

Signature Loans
This is a loan for any reason and doesn't require collateral.
This loan is typically used for...

  • Taxes
  • Computers
  • Furniture
  • Christmas
  • Medical Expenses
  • Car Repairs
  • Minor Home Improvements
  • Weddings
  • Tuition
  • Vacations

Overdraft Protection Line-of-Credit
With a line-of-credit, your overdraft will automatically pull from a credit line to clear the check instead of your savings account. This overdraft program offers convenient repayment terms and credit lines. Maintain peace of mind knowing that if mistakes happen, you'll be protected with overdraft protection.

Share Secured Loans
Borrow against your own savings for any of your borrowing needs. Repayment terms are flexible and credit approval criteria is minimal. You will continue to earn dividends on your savings account and you'll pay a minimal interest rate. These loans are for establishing or rebuilding credit, but they are also ideal for providing your own financing at an extremely low rate while maintaining your savings balance.

Boats New & Used
We provide financing for the recreational side of life. Boat loans will not exceed Blue Book value. A Marine survey may be required.

RV Loans
We can finance up to 100% of the purchase price of a new RV and up to the NADA retail value for used models.

Credit Life and Credit Disability Insurance
Your credit union offers loan insurance that is convenient and affordable. It will also help you keep your credit union loan repayment promises if something were to happen to you by reducing your financial burden and protecting your family.

If you were to become disabled, Credit Disability Insurance would protect your credit rating and your collateral, such as your home or car. Credit Life Insurance maintains your promise of loan repayment, if you were to pass away, without passing the burden on to your family. You may not want to consider the worst happening to you; give yourself peace of mind and consider loan insurance for your family.

Visa Card
Nothing beats Strategic FCU Visa Card for value and convenience. It's a comfortable alternative to high interest rate credit cards like department or specialty store credit cards and has the added benefit of Visa's worldwide acceptance.

Our program offers no annual fee, an interest-free grace period for your purchases, and a low fixed rate of 11.90% APR. Our Visa Card also offers convenient credit limits up to $10,000. Apply for a Strategic FCU Visa. Take a look at the complete Visa terms and conditions governing our Visa Card program.

To Report a Lost/Stolen Card
Call 24 hours a day, seven days a week. 1-800-325-3678

Customer Service
Call 24 hours a day, seven days a week, 1-800-808-7230

Mail payments to:
Strategic Federal Credit Union
PO Box 4519
Carol Stream, IL 60197-4519

Important News: Manage your VISA Credit Card online. It's free!! It's Easy!! Simply go to www.ezcardinfo.com and enroll in our online service. You can review account information, track spending, set alert notifications, downloand files and much more. Managing your account is fast, secure and easy with eZCardInfo. Enroll Today!


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We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.