Loan Specials
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Float by
your July or August loan payment(s) with our
Summer Skip-a-Payment
We know juggling family, friends, and finances during the busy summer season can be hard, so let FinancialEdge Credit Union help make things a little easier this year! Float past your summer loan payments with Summer Skip-A-Payment. Keep the cash that would’ve been your July OR August payment for your personal and/or vehicle loans, and do something fun for yourself or the family!
It’s easy to request your Summer Skip-a-Payment for a small fee on your qualifying loan(s). Just complete and mail, or bring a completed skip-a-pay request form to any FinancialEdge Credit Union office, and we’ll process it right away. All eligible requests must be received by the 30th of June (for July payments) or the 28th of July (for August payments).
To get started, click below, text “SKIP” to (989) 892-6088, give us a call at (989) 892-6088, or stop into one of our branches today!
*Eligibility requirements include all loans must be current, first payment on any loan cannot be skipped, eligible loans must be at least 3 months old, $25.00 skip-a-pay fee(s) must be available. Non-eligible loans include mortgages, credit cards, home equity loans, any loans with CPI, revolving/open end loans of any type and troubled debt restructured loans.
Stress less this summer and enjoy all the perks of a new ride, without the worry of a payment! Right now, for a limited time, you can get a FinancialEdge Auto Loan with NO PAYMENTS FOR 90 DAYS*.
Auto Loan Features:
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Flexible Terms
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GAP Coverage available!
Find Out More About Our Auto Loans
*Advertised no payments for 90 days offer applies to direct auto loan purchases only. Auto loans currently financed through the Credit Union cannot be refinanced with this offer. Not all members will qualify. Loan must be financed for a minimum of $10,000, and applicants must meet credit score criteria to qualify. Additional terms and conditions may apply. Check with loan department for additional details.
Rate Drop Protection
Time to move into another home? Maybe you've outgrown the one you're living in now. Perhaps you're in a better financial position than you were when you bought your last house. Maybe you're moving to a new town with a new job. While it really doesn't matter why you need a new house, it does matter how you go about purchasing it.
No one likes the hassle of buying a home the old way, including us. That's why we've invested our energy into streamlining and updating the entire mortgage process. We're pleased to bring you a faster, more technologically advanced way to finance your home.
PLUS, make sure you ask about our Rate Drop Protection, which can help cut the cost of refinancing your home down the line! With Rate Drop Protection you'll have the option to refinance* your home at a new, lower rate at NO ADDITIONAL COST if the market conditions alter to your benefit within 2 years of the date your mortgage was funded. For full details, talk with our Mortgage Department.
*Verification and product requirements: Mortgage must be existing Credit Union in-house mortgage loan. Mortgage must be current and have no payments 30 days or more late since inception. Property taxes must be current and Home-Owners insurance in force. Member must produce Mortgage Refinance Certificate from original closing date of mortgage to the mortgage department at 1199 S. Euclid Ave., Bay City, MI 48706. Member has 2 years from mortgage funding date to present refinance request to the FinancialEdge Mortgage Department. Loan will be modified by the Credit Union to new rate at time of presentment of Refinance Certificate based on the current rates and terms of the Credit Union based on the original mortgage loan term in 2023. No cash-out will apply to this request. Mortgage Refinance Certificate can only be applied once since the initial loan funding and is non-transferable. Appraisal of property must not be more than 30 months old at time of presentment of Refinance Certificate. Credit Union will use original qualifying credit score at time of the initial mortgage. Applicable on new mortgage loans beginning January 24, 2023. Mortgages funded prior to this date do not qualify.
Spruce up your budget when you transfer your high-rate credit card debt to a FinancialEdge Mastercard® Credit Card with $0 balance transfer fees - LIMITED TIME ONLY!
ADDED BONUS: When you transfer your higher rate card and loan balances to a FinancialEdge Credit Union MasterCard® Credit Card you not only get a great rate, but you'll also receive these benefits**:
- No Annual Fees
- MyEdge Rewards (when you select the Rewards Mastercard)
- Card Controls
- Mobile Wallet Options
- Universal acceptance
- Emergency Assistance
- Fraud Protection
- Online account access
- Worldwide ATM access
- and more!
If you are a current FinancialEdge Credit Card holder, CLICK HERE for a printable version or CLICK HERE to fill out the application online.
If you do not currently have a FinancialEdge Credit Card, CLICK HERE to apply.
For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088, or stop by our branch locations.
** Certain restrictions, limitations, and exclusions apply. Please call FinancialEdge CU directly to verify the specific benefits included with your card.