Email The
Loan Department (For general questions or product information only. For your own protection and your membership, please do not send any personal or financial information (this email address is not secure).
Vehicle Loans
New Vehicle Loan (Model Years 2007 - 2010)
Great news! There is no down-payment required for new vehicles
and SSFCU will finance 100% of the sticker price.
Used Vehicle Loan (Model Years 2006 & Earlier)
We will finance up to 100% of the NADA's average retail value.
AutoGuard
To help protect you against the high cost of unexpected mechanical
breakdowns, we are pleased to offer the AutoGuard Vehicle
Service Contract Program from Interstate National Dealer Services,
Inc. INDS is one of the nation's oldest and largest automobile
warranty and service contract firms. This 24 year old company,
has sold and administered well over 1 million extended warranties.
AutoGuard
Program - the credit union industry's premier vehicle
service contract program. Enterprise Car Sales
Borrow Smart. Buy Smart.
You made a smart move when you joined School Systems Federal Credit Union, so when you're ready to purchase a vehicle, visit or call us to get pre-approved for an auto loan at one of the best rates around. Then, check out vehicles available to you through our partner, Enterprise Car Sales. Enterprise aims to provide you the same world-class personal service you've come to expect at School Systems Federal Credit Union. You'll also get Enterprise's exclusive Perfect Used Car Package with a 7-Day Repurchase Agreement that ensures your complete satisfaction. With more than 120 makes and models of late-model, low mileage rigorously inspected vehicles, you're sure to find the one that's just right for you.
Apply for your car loan online or call 518-286-1611 (Troy) or 518-456-1611 (Albany).
Shop for an Enterprise Car online or call 1-866-car-sales.
Higher Education Loans
It's not the classes that are difficult, it's finding a way to pay your tuition that's tough. SSFCU can assist you with a low-interest Higher Education Loan. We offer the following types of loans for students and parents.
School Systems Tuition Loan (for students and parents)
This loan is available to students and parents to cover tuition expenses.
Sallie Mae Smart Option Student Loan
www.salliemae.com/smartoption/schoolfcu/
Signature Loan
Whether you need some extra cash for college bills or holiday
expenses, or if a wedding or vacation is in your future, check
out our low interest rates for a personal loan that will fit
your budget. Low monthly payments are made even easier through
Payroll Deduction.
Secured Loan Options: Certificate Secured or Share Secured
The Certificate Secured or Share Certificate loan option is secured by funds in your Credit Union, either in the form or a Share Certificate or Share Secured Savings Account. A great option when you want to keep your funds in the credit union earning interest, but need use of the funds for any reason. The rate that you pay back on the loan will be three percentage points over the rate at which the funds that are secured are earning. Certificate Secured Example: Earning 0.90% on a 12-month certificate you could borrow up to the amount of the certificate at 3.90% (the certificate is pledged for the same dollar amount and term as your loan and funds in the certificate remain unavailable until the end of the term and loan is paid in full). Share Secured Savings Example: Earning 2.00% in a Share Secured Savings Account you could borrow up to the amount in that account at 5.00% (the Share Secured Savings Account is pledged for the same dollar amount and term as your loan but gives you the convenience of re-availability of the funds as the loan balance is paid down).
Overdraft Loan
This is your "safety net" for your checking account.
You will have a credit limit of $500 and if you do not have
enough funds available in your checking account to clear a
check, then funds are automatically deducted from this loan
to cover the check. Funds are transferred from your Overdraft
Loan to your checking account in increments of $50. Payment
on this loan is due whenever there is a balance present.
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