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Financing options with endless possibilities. It’s good to have choices!

Debt Consolidation

If you'd like to lower your monthly payments, or perhaps lower the Annual Percentage Rate you're paying on those other loans and credit cards, we have just what you need! This is a fixed rate loan that can be set up in a variety of ways. We'll help you choose the best way to get the lowest rate possible.

  • Low fixed rate
  • Comfortable terms
  • No collateral required
  • No loan fees

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Stretch Pay

Have you ever fallen short on funds between paychecks but didn’t want to fall prey to the traditional payday lending trap? A Stretch Pay Loan is different. Similar to a Payday loan, it is a small, short term loan, but there are some key differences. Call the Credit Union about a Stretch Pay Loan today or click below to apply today.

  • Low-cost alternative to payday loans and costly overdraft fees
  • Annual $20 application fee
  • 2% Discount through Payroll Deduction or Direct Deposit
  • Membership must be open for at least 3 months to qualify and be in good standing

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Lifestyle/Signature Loan

This type of loan can be used for a variety of reasons-vacation, education, bill consolidation, home improvement, Christmas shopping and much more. The list goes on and on.

  • Low fixed rate
  • Comfortable terms
  • No collateral required
  • No loan fees

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Share Secured

Need help establishing or re-establishing credit? SFCU’s Share Secured Loan can help! Borrow up to 90% of your available balance in either your regular Credit Union savings or certificate account. Approval is virtually automatic. It's easier to pay back a loan than it is to pay back yourself. The money becomes available in your savings as you pay down the balance on the loan.

  • Low fixed rate
  • Comfortable terms
  • No loan fees

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New Furniture/Computer Loan

Purchase a new computer, furniture, major appliance, or even a new lawn tractor, and finance it with an SFCU Loan. We can finance up to 90% of invoice or $10,000, whichever is less.

  • Low fixed rate
  • Comfortable terms

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Student Loans

Get the money you need to help make higher education happen. 
Student loans from Summit Federal Credit Union in partnership with Sallie Mae® could help! 

For those attending a degree-granting institution

Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs:

- Competitive variable and fixed interest rates

- No origination fee or prepayment penalty1

- Multiple repayment options

Learn which loan is right for you 


Smart Option Student Loan® for Undergraduate Students

Pay for your bachelor’s, associates, or certificate expenses at a degree-granting school.


Graduate School Loan

Pay for expenses as you pursue your master’s and doctoral degrees.

MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.

Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.

Graduate School Loan for Health Professions

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan

Pay for your school and associated expenses as you study for your law degree

Learn which loan is right for you 

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Summit Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans.

Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.



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