Loans
Loan Application - Print and deliver to the credit union



NADA Guides - For new and used car values



New/Used Autos and Recreational Vehicles

APR*: as low as 2.99%



Rates will vary depending on type of payment and number of services. Our lowest rate applies to members with an automatic payment and two services in addition to the share savings account. Please contact the Credit Union for more information.



Mortgage

APR*: as low as 3.50%



Our mortgage loans cover 80% of the appraised value, up to $200,000.00. We offer a 15, 20, and 30 year term, all with a 5 year fixed rate. Closing fees are paid by the member. Need more than $200,000.00? Contact the credit union for more information.



Home Equity Line of Credit

APR*: as low as 4.00%



This line of credit allows you to use the equity in your home to get cash! This is a revolving line of credit with a variable rate and a 15 year term. You may borrow 80-100% of the appraised value of your home. Our lowest rate is associated with borrowing 80% of value. The credit union will pay the first $300.00 of closing costs. For more information, please contact the Credit Union.



Payment example: A loan of $10,000.00 at 4.00% APR* would have 121 payments of $100.00 with a final payment of $84.24. If a loan is closed within 5 years, the member may be required to reimburse up to $300.00 of closing costs paid by the Fargo Public Schools Federal Credit Union.



Home Equity

APR*: as low as 3.50%



This loan allows you to use the equity in your home to get cash! This is a closed-end loan. You may borrow up to 80-100% of the appraised value of your home on a 5 year fixed rate. The credit union will pay the first $300.00 of closing costs. Our lowest rate is associated with borrowing 80% of value. For more information, please contact the Credit Union.



Payment example: A typical loan of $10,000.00 at 3.50% APR* would have 60 payments of $181.93. If a loan is closed within 5 years, the member may be required to reimburse up to $300.00 of closing costs paid by the Fargo Public Schools Federal Credit Union.



Share Secured

APR*: 3.00%



These loans are secured with shares deposited at the credit union. For more information, please contact the Credit Union.



Personal Loan

APR*: 10.95%



Our personal loans are designed to provide you with access to funds, even without collateral. Personal loans can be used for practically any reason. Fees may apply. For more information, please contact the Credit Union.





*Annual Percentage Rate. Rates subject to change without notice. Rates current as of March 27, 2014. Terms and conditions may vary.