 |
 |
 |
      |
 |
 |
 |
|
CU-Connect Account Access First time user? Click Here 
 |
Loan Desk
On this page... General Loans VISA Credit Cards Federal Student Loans Enterprise Car Sales Loan Protection Insurance FACT Act Disclosure General Loans
Interest is charged only on the unpaid balance and there is no penalty for early payoff or larger payments. Loan payments may be made automatically from your savings account, by mail, by our night depository, through CU-Connect, or in person. Please check out our loan rates page for current rates. Return to top VISA Credit Cards Click here to download an application and complete disclosure In order to give our members the advantage of low cost charge cards we offer the following VISA card program:
Visa cardholders have a grace period of 25 days on all charge purchases. You only pay finance charges when your bill is not paid in full on the due date. Cash advances accrue finance charges from the date you take the cash advance until the date you pay it in full. You will receive a personal identification number (PIN) which will allow you to obtain cash advances at ATM's around the world displaying the VISA logo. You can also get a cash advance in our office as well as at banks and Credit Unions offering VISA cards. Return to top Federal Student Loans The Health Care and Education Affordability Reconciliation Act of 2010 eliminated the Federal Family Educational Loan (FFEL) Program. Therefore, as of July 2010, SFCU can no longer accept student loan applications. Students should contact their school's financial aid office for more information on securing federal student loans. For questions or service related to an existing Federal Family Education Loan secured through Spencerport FCU, contact our chosen servicer, Great Lakes at 1-800-236-4300, or http://www.mygreatlakes.com. Return to top Enterprise Car Sales Click here to check out the inventory at your local Enterprise. Enterprise Car Sales and Spencerport Federal Credit Union have teamed up to offer a great car buying experience to members. Enterprise offers hundreds of one and two year vehicles in a variety of makes, models, color and equipment. And, you can buy with confidence because each car must pass a lengthy inspection before being Enterprise-Certified. You also don't need to worry about haggling and negotiating. All Enterprise cars feature one haggle-free price. Plus, Enterprise is always ready and willing to take your trade-in. We want to e sure you're happy so we give you up to seven days or 1,000 miles to change your mind. Then, in the unlikely event you do, we'll repurchase your vehicle for what you paid, minus a cleaning and documentation fee - no questions asked! (Certain restrictions apply - contact Enterprise for details) That's not all! Every Enterprise car comes with a 12,000 mile / 12 month limited warranty. Return to top Loan Protection Insurance Life and disability insurance coverage is available at low cost to members when taking out a loan. This insurance will make loan payments if a member is sick or otherwise disabled. In order to keep costs at a minimum, this coverage requires the member to be unable to work for 30 days before coverage begins, and will cease when the member is able to return to usual duties. This product is not insured by NCUA, not underwritten or guaranteed by NCUA, and there is no requirement to purchase as a condition of the loan. Return to top FACT Act Disclosure The FACT Act requires Credit Unions to notify members of any negative information the Credit Union furnishes to a consumer reporting agency. Therefore, we may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit score. Return to top |
 |
 |
 |
 |