Loan Accounts

FCFFCU loans are offered at reasonable interest rates and are available to help you meet most major expenses. In addition, we offer 24 hour approval in most cases..

You can now apply on-line: 
Consumer/Home Equity Loan List |Mortgage Web Center

New Autos
Loans are available for purchasing new cars, motorcycles, recreational vehicles or trucks. New vehicles can be financed for up to seven years. Terms greater than 5 years require loan amount/vehicle value of $20,000.

Used Autos
Seven-year loans are available for one-year old vehicles. Six-year loans are available for two-year-old vehicles. Five-year loans are available for vehicles four-years and older.  Balance/value restrictions apply.

Line of Credit
Borrow what you need when you need it. Apply for a line of credit for maximum flexibility.

Share Secured
Funds in your regular share or certificate accounts may be used as collateral for loans at a lower rate than most other loans.
You can now apply on-line:

Unsecured Loan
You can now apply on-line:

Mortgages & Home Equity
FCFFCU offers a full range of fixed and variable rate first and second mortgages to enable you to buy or refinance a home in New York State.

Apply for a loan that's backed by your signature alone - no security necessary - and finance it for up to five years.

Click here to link to the Student Loan Network for information and applications.

Apply for a credit union VISA card with a low rate APR, no annual fee, no cash advance fee, and credit lines available from $500-$15,000.

As an existing card holder you may request a copy of the Credit Card Agreement and Credit Card Account Opening Disclosure via the following methods:
By calling (518) 725-3191 or email to:
  • Grace period for repayment of the balance for purchases - You have 25 days to repay your balance for purchases before a finance charge will be imposed.
  • Method of computing the balance for purchases - Average Daily Balance (including new purchases)
  • Annual fees - None
  • Minimum finance charge - None
  • Transaction fee for purchases - None for domestic purchases
  • Visa Check Fee - 0.00
  • Transaction fee for cash advances - None
  • Late payment fee - Up to $15.00
  • Over-the-credit-limit fee - None
  • Foreign Transaction Fee - 1.00% of each multiple currency transaction in US Dollars and 0.80% of each single currency transaction in US dollars
  • Returned Payment Fee - up to $25.00

You can now apply on-line: Credit Card

FCFFCU offers member-elect Credit Life Insurance at a reasonable cost on certain loan products.

FCFFCU also offers borrowers Credit Disability Insurance at a competitive cost. This coverage is designed to help make your monthly loan payment should you become totally disabled due to a covered injury or illness for longer than the waiting period.

Your purchase of MEMBER'S CHOICE Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative for a full explanation of the terms.  CDCL-1212474.1

There is never a prepayment penalty should you pay off your loans early, and you may make partial loan payments at any time.

For the utmost in convenience, you can arrange to have your loan payments made automatically from a credit union account.

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