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FinancialEdge Credit Union Go to main content Locations

Loan Specials


Balance Transfer Special

Balance Transfer Special

Cast away your high rate debt by transferring your balance to a FinancialEdge MasterCard® Credit Card with our special, limited time only 2.99% APR*.

$0 Balance Transfer Fee | No Annual Fee

Apply Now

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**:

For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088, or stop by our branch locations.


* APR = Annual Percentage Rate. Offer good on balance transfers made between September 6, 2021 - December 31, 2021 and is not available for purchases, cash advances or balance transfers made outside of the promotional period. Promotional rate will return to your original rate as per your credit agreement on December 31, 2022 or once the balance transfer amount is repaid, whichever comes first. Rate subject to change. Balance transfer not offered on existing FinancialEdge Credit Card balances.


Cozy Auto Loan Special

Cozy Car

Cozy up to a new ride this season and get through the holidays without stressing about your car payment. Finance your auto loan with us and get rates as low as 2.49% APR* and no payments for 90 days**.

Our Cozy Auto Loan Special includes:

Apply Now


*APR = Annual Percentage Rate based on secured collateral 2019 and newer and is subject to change. Advertised rate available for up to 75 month term. Your rate can be higher depending on credit performance. Check with loan department for additional terms and details. Auto loans currently financed through the credit union cannot be refinanced with this offer. Additional criteria may apply.

**Interest will accrue during the 90-day deferred payment period. Applications must be submitted by 5:00 PM on Tuesday, November 30,2021.

Holiday Skip-A-Pay

2021 Holiday Skip A Pay

2021 Holiday Skip-A-Payment

Enjoy the festivities of the holiday season without the worry of what’s in your wallet. Skate past your qualifying* December or January Loan payment** with our Holiday Skip-A-Pay. To get started, give us a call at (989) 892-6088, stop into one of our branches, or choose one of our remote options below!


Apply Online

Text "SKIP" to (989) 892-6088

Click Here for a Printable Skip-A-Pay Form


Do I Qualify?

We encourage financial responsibility, so your loan needs to be in good standing to use Skip-a-Payment. Ensure you meet the following criteria:

  • All of my loans are current
  • I am not trying to skip my very first payment on any loan
  • The loan(s) I am trying to skip are at least 3 months old
  • I have the $25 skip-a-pay fee(s) available
  • I am not trying to skip the same loan payment more than 2 times in a calendar year. (Example: if you skipped your January (Holiday) payment and July (Summer) payment, you would not be eligible to skip your December (Holiday) payment of the same year.)

Non-Eligible loans:

  • Mortgages
  • Credit Cards
  • Home Equity Loans (any type)
  • Any Loans with CPI
  • Revolving/Open End Loans (any type)
  • Troubled Debt Restructured Loans


PLEASE NOTE: To skip a holiday monthly payment(s), this form must be received by November 24 (for December payments) or December 28 (for January payments). FORMS RECEIVED AFTER THESE DEADLINES WILL NOT BE ELIGIBILE FOR SKIPS.


*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.

** To skip a holiday monthly payment(s), the 2021 Holiday Skip-A-Payment Program form must be filled out and received by November 24, 2021 (for December Payments) or December 28, 2021 (for January payments). Forms received after the December 26th deadline will not be eligible for skips.

Holiday Loan Special

Holiday Loan Special

Holiday Loan Special

Needing some extra dough to get you through the holidays? This sweet deal is cut out with you in mind. Take advantage of our Holiday Loan Special with rates as low as 5.99% APR* and NO PAYMENTS FOR 90 DAYS**.

Get started by doing one of the below:

*APR = Annual Percentage Rate based on 11 month term as of 11/01/2021 and is subject to change. Actual rate will be based on applicant’s creditworthiness and may vary from that shown. Not all members will qualify. Separate rates available for refinancing of existing FinancialEdge CU loans. Check with loan department for additional terms and current loan rates.

**Interest will accrue during the 90-day deferred payment period. Applications must be submitted by 5:00 PM on Friday, December 31,2021.

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