Loans

Looking to finance a new car or motorcycle? Does your home need a little updating? Do you just need a personal loan? We are here to make the process quick and painless with a variety of borrowing options. We offer competitive rates and terms on all of our loan products. We can expedite a purchase by pre-qualifying you and we can calculate payments for any type of loan with just a phone call.

We pride ourselves on assisting you every step of the way. Apply on line, or pick up a short application at either branch. We would be happy to e-mail you an application as well.

NEW AND USED AUTOS

We want to take the stress out of financing a new car and get you on the road as soon as possible. We have loan officers on staff ready to assist every step of the way.

  • Fixed rates as low as 2.79%
  • Pre-qualification and payment calculation
  • Apply on-line or we can e-mail or fax an application
BOATS, RV’s and MOTORCYCLES

Being surrounded by lakes and mountains and other playgrounds in the Pacific Northwest means you need the proper “toys” to enjoy it all! We are at the ready to get you on the water or behind the wheel.

  • Fixed rates as low as 3.29%
  • Pre-qualification and payment calculation
  • Apply on-line or we can e-mail or fax an application
HOME EQUITY LINES OF CREDIT

We have money to loan for that new roof or that remodel. Give us a call at 838-8960 for details or stop by the branch for an application. NOT AVAILABLE FOR ONLINE APPLICATION

PERSONAL LOANS

We offer competitive rates and terms for unsecured loans for whatever the need—a new bike, a vacation? Is an engagement ring in your future?

  • Rates as low as 12.24 up to 48 months
  • Apply on-line or we can e-mail or fax an application
CREDIT CARDS

Our VISA card offers an annual percentage rate of 12.9% fixed for both purchases and cash advances, a 25 day grace period for repayment of balances for purchases and an annual fee of only $12.00. No finance charge occurs if your balance is paid in full by the 28th of the month. You can make your VISA payments at the credit union or transfer on-line through home banking and it will be posted to your account on the same day. VISA cards can also be attached to a checking account as an overdraft line of credit. You can access your current transactions through on-line banking or by calling the credit union.

For on-line access to your credit card information, go to smfcu.org and log into ItsMe247.

To report a lost or stolen credit card, please call the credit union during business hours 838.8960 or
after hours call 1.866.333.4750

OVERDRAFT LINES OF CREDIT

Never worry about running short in your checking account again. An overdraft line of credit advances funds to cover non-sufficient funds (NSF) before they occur.

  • Fixed monthly payments
  • Short application process
  • Apply on-line
HOLIDAY AND SUMMER FUN LOANS

Christmas gift giving can put a strain on the budget. Ditto for a family get away. A short term loan can ease the pressure and guarantee fun for all.

  • 12 month term
  • Up to $2500 for vacation loan, up to $2000.00 for holiday loan
  • Call the credit union for current rate
  • Apply on-line
TAX REFUND ANTICIPATION LOAN

For those who don’t want to wait for their tax refund to arrive.  Bring in your completed return, proof of refund to be deposited by the IRS and complete a quick loan application to retrieve your money right away.  Contact a loan officer for current rate.  You can apply on-line.

 

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Sage recommends you take action! Contact us about a loan.