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Fiscal offers loans for our younger members as a way to establish or re-establish credit. Using your mouse, click on the different options available to our younger members below:

“My First Wheels” Auto Loans

This auto loan is specifically designed for members between the ages of 16 and 17, and will help them finance their first auto loan. The following are the specific criteria to participate in this loan:

  • The member must have a driver’s license issued by his/her state of residence.
  • A co-borrower is required; the loan decision will be based solely on the co-borrower’s credit history and income.
  • The co-borrower must be a parent, grandparent or legal guardian. In some instances, a relative may be considered as a co-borrower based on the strength of the borrower(s) and other criteria.
  • The young member (minor) may not have any prior auto credit history.
  • Employment is not required from the applicant (minor); however, the co-borrower must fulfill standard reportable income requirements as stated in Fiscal’s loan policy.

Credit Builder Loan or Line of Credit

This loan is specifically designed for members between the ages of 16 and 17 to establish credit. The member can choose between a closed-end loan or a revolving line of credit with a limit of up to $500. The minimum payment amount is only $50 and maximum term is 12 months. In order to apply for this loan, members must adhere to the following criteria:

  • The young member must have a valid form of identification.
  • A co-borrower is required and the loan decision will be based solely on the co-borrower’s credit worthiness and income.
  • The co-borrower must be a parent, grandparent or legal guardian. (NOTE: In some cases, the co-borrower may be another relative.)
  • Employment is not required from the primary applicant; however, the co-borrower must fulfill the standard reportable income requirements as stated in Fiscal’s loan policy.

Fiscal offers the following loans designed specifically for members between the ages of 18 and 30:

First-Time Home Buyer Program

Are you a first time home buyer? Click here to learn more about the options available to you, including FHA loans. (LINK TO CMF WEB SITE)

First-Time Buyer Auto Loan

If you have never purchased a new or used car, and do not have credit established, Fiscal will work with you to get you into a loan program designed to meet your financial needs. Talk to one of our representatives today at (800) 311-3328 to get started.

Credit Builder Personal Loan or Line of Credit

The Credit Builder personal loan or line of credit is specifically designed to help young members establish credit. You may choose between a closed-end loan or a revolving line of credit with a limit of up to $500. The minimum payment amount is only $50 and maximum term is 12 months. Talk to one of our representatives today at (800) 311-3328 to get started.

Smart Option Student Loans®

Fiscal Credit Union now offers the Smart Option Student Loan®by Sallie Mae®.  These loans are specifically for borrowers attending degree-granting institutions.  Now, members can pay for college the "smart way" with three great repayment options and competitive rates!  The Smart Option Student Loan® is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.  Click here to get started today.

Fiscal offers loans for our younger members as a way to establish or re-establish credit. Click on the different options available to our younger members below:

Elements of Money (Ages 16-17)

“Elements of Money” Loans (Ages 16-17)

elements-of-money

Fiscal offers the following two types of loans for members between the ages of 16 and 17. Let’s take a look:

“My First Wheels” Auto Loans

This auto loan is specifically designed for members between the ages of 16 and 17, and will help them finance their first auto loan. The following are the specific criteria to participate in this loan:

  • The member must have a driver’s license issued by his/her state of residence.
  • A co-borrower is required; the loan decision will be based solely on the co-borrower’s credit history and income.
  • The co-borrower must be a parent, grandparent or legal guardian. In some instances, a relative may be considered as a co-borrower based on the strength of the borrower(s) credit history and other criteria.
  • The young member (minor) may not have any prior auto credit history.
  • Employment is not required from the applicant (minor); however, the co-borrower must fulfill standard reportable income requirements as stated in Fiscal’s loan policy.

Credit Builder Loan or Line of Credit

This loan is specifically designed for members between the ages of 16 and 17 to establish credit. The member can choose between a closed-end loan or a revolving line of credit with a limit of up to $500. The minimum payment amount is only $50 and maximum term is 12 months. In order to apply for this loan, members must adhere to the following criteria:

  • The young member must have a valid form of identification.
  • A co-borrower is required and the loan decision will be based solely on the co-borrower’s credit worthiness and income.
  • The co-borrower must be a parent, grandparent or legal guardian. (NOTE: In some cases, the co-borrower may be another relative.)
  • Employment is not required from the primary applicant; however, the co-borrower must fulfill the standard reportable income requirements as stated in Fiscal’s loan policy.

"Pathways" Loans (Ages 18-30)

"Pathways" Loans (Ages 18-30)

Pathways

Fiscal offers the following three great loans designed specifically for members between the ages of 18 and 30. Click on each loan below to learn more.

First-Time Home Buyer Program

Are you a first time home buyer? Click here to learn more about the options available to you, including FHA loans.

First-Time Buyer Auto Loan

If you have never purchased a new or used car, and do not have credit established, Fiscal will work with you to get you into a loan program designed to meet your financial needs. It is best to get pre-approved for your auto loan prior to going to any dealership. We can save you time, money, and make your first auto buying experience a pleasant one. Talk to one of our representatives today!

Credit Builder Personal Loan or Line of Credit

The Credit Builder personal loan or line of credit is specifically designed to help young members establish credit. You can use this loan for whatever purpose you desire, whether it is to purchase books in college, decorate your apartment or home, or just go on a much needed vacation. You may choose between a closed-end loan or a revolving line of credit with a limit of up to $500. The minimum payment amount is only $50 and maximum term is 12 months.

Student Loans

Sallie Mae® Smart Option Student Loans®

Fiscal Credit Union now offers the Smart Option Student Loan® by Sallie Mae®.  These loans are specifically for borrowers attending degree-granting institutions.  Now, members can pay for college the "smart way" with three great repayment options and competitive rates!  The Smart Option Student Loan® is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.  It provides the following features and benefits to members:

  • A choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options available
  • Borrower benefits available - like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with creditworthy co-signer may help you qualify and/or receive a lower rate 
  • 24/7 online account management

To learn more or to apply for a Sallie Mae® Smart Option Student Loan®, click here.  

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.