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-$100,000 (minimum
advance of $1000.00 required)
- 10 Year Draw Period
- Access your Line of Credit with Convenient Checks
- Flexible Payment Terms Up to 15 Years
- No closing costs
- Borrow Up to 90% of your Homes Value Minus First Mortgage
- Tax-Deductable Interest Paymenst (Consult
your tax adviser)
- Floor interst rate of 6% with a ceiling of 18%.
*Rate is tied to WSJ Prime Rate minus 1 and is subject
to change semi-annually
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:
- No closing costs
- Fixed rate
- One time advance of $10,000-$100,000
- Up to 10 year term
- We'll loan up to 80% of the equity in your home.
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
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- Car Repairs
- Minor Home Improvements
- Weddings
- Tuition
- Vacations
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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.
Mobile Homes
We can finance your Mobile Home up to NADA loan value or 80% of an appraisal if provided.
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. 1-800-991-4964
Customer Service
Call 24 hours a day, seven days a week, 1-800-808-7230
Mail payments to:
Visa
P.O. Box 77096
Madison, WI 53707-1096
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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