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Whether you’re replacing a car, improving your home’s energy efficiency, or taking advantage of today’s low rate environment to refinance your high rate debt, count on Schenectady County Employees’ FCU to help you find affordable financing that addresses your needs and your budget
Personal loans provide a lower cost option to help pay down high-cost debt (like credit cards) and finance short-term needs. The full amount of your personal loan will be advanced at closing, so borrowers usually use it for a one-time need.
Consider a personal loan for the following:
Consolidate high-cost debt & pay off your bills
Lower borrowing costs while continuing to earn interest on savings
Credit lines of $1000 up to $20,000 are available for personal loans, and you can reduce your interest rate by paying automatically from your Schenectady County Employees’ FCU checking account with direct deposit.
Call 518 -374-3830 SCHENECTADY COUNTY EMPLOYEES’ FCU for a no-obligation rate quote or apply online to get started right now!
Have a safety net for unexpected bills or to pay down high-cost debt. Once you are set with a line of credit, you can borrow incrementally up to your approved amount – but you’ll only pay interest only on what you use.
Consider a line of credit if you want to:
Pay a recurring tax bill
Make home improvements (especially if you’re a newer homeowner)
Finance unexpected expenses
Get extra cash when you’re low on savings
Credit lines of $1000 up to $20,000 are available for personal loans, and you can reduce your interest rate by paying automatically from your Schenectady County Employees’ FCU with direct deposit.
Want protection against the possibility of an overdraft or returned check fees hitting your Schenectady County Employees’ FCU checking account? Consider establishing an Overdraft Line of Credit. Once approved, it will act as a safety net – and you’ll only be charged interest on the balance you use.
Credit lines of $500 up to $2,000 available based upon your needs and credit qualification. Not sure if a line of credit or personal loan is best? We’re happy to talk through the benefits of each in more details – just give us a call or stop our branch
Your car isn’t just a mode of transportation, it’s an extension of yourself and an expression of your lifestyle. Schenectady County Employees’ FCU can help you buy the new car you want with flexible financing and knowledgeable consultants who can answer your questions. There are plenty of good deals on cars available right now – Schenectady County Employees’ FCU can help you afford them.
Whether you’re buying a used hybrid or minivan, or refinancing a loan on your own car, Schenectady County Employees’ FCU can help with low rates on any year model. There are many good deals available that can help maximize your purchase power right now – Schenectady County Employees’ FCU can help you get on the road with a low-rate loan on any year vehicle.
Make the most of the seasons that the Capital Region has to offer, whether on the lake, in the mountains, or in the snow. If you like action-packed weekends and vacations, and are planning to purchase a recreational vehicle, Schenectady County Employees’ FCU can help.
We offer financing for both new and used RVs, including:
ATVs
Snowmobiles
Boats
Motor Homes
Travel Trailers
For more information or to get started so you can make plans for your next adventure, call 518-374-3830 SCHENECTADY COUNTY EMPLOYEES’ FCU to apply.
For New and Used Cars:
Schenectady County Employees’ FCU’s auto loans are available starting from $1,000 to 130% purchase price (including sales tax). Terms up to 84 months.
Boats, Motor Homes, and Travel Trailers:
Extended terms are available up to 180 months
With Schenectady County Employees’ FCU our low loan rates, flexible payment terms, and variety of borrowing options, you’ll soon be on your way to achieving your goals.
Please feel free to contact us. We will get back to you with 1-2 business days. Or just call us now