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Email The
Loan Department (For general questions or product information only. For your own protection and your membership, please do not send any personal or financial information (this email address is not secure).
Vehicle Loans
New Vehicle Loan (Model Years 2005 - 2008)
Great news! There is no down-payment required for new vehicles
and SSFCU will finance 100% of the sticker price.
Used Vehicle Loan (Model Years 2004 & Earlier)
We will finance up to 100% of the NADA's average retail value.
AutoGuard
To help protect you against the high cost of unexpected mechanical
breakdowns, we are pleased to offer the AutoGuard Vehicle
Service Contract Program from Interstate National Dealer Services,
Inc. INDS is one of the nation's oldest and largest automobile
warranty and service contract firms. This 24 year old company,
has sold and administered well over 1 million extended warranties.
AutoGuard
Program - the credit union industry's premier vehicle
service contract program. Enterprise Car Sales
Borrow Smart. Buy Smart.
You made a smart move when you joined School Systems Federal Credit Union, so when you're ready to purchase a vehicle, visit or call us to get pre-approved for an auto loan at one of the best rates around. Then, check out vehicles available to you through our partner, Enterprise Car Sales. Enterprise aims to provide you the same world-class personal service you've come to expect at School Systems Federal Credit Union. You'll also get Enterprise's exclusive Perfect Used Car Package with a 7-Day Repurchase Agreement that ensures your complete satisfaction. With more than 120 makes and models of late-model, low mileage rigorously inspected vehicles, you're sure to find the one that's just right for you.
Apply for your car loan online or call 518-286-1611 (Troy) or 518-456-1611 (Albany).
Shop for an Enterprise Car online or call 1-866-car-sales.
Higher Education Loan
It's not the classes that are difficult, it's finding a way
to pay your tuition that's tough. SSFCU can assist you with
a low-interest Higher Education Loan. We offer the following
types of loans for students and parents.
- School Systems Tuition Loan (for students and parents)
- This loan is available to students and parents to
cover tuition expenses.
- Subsidized Federal Stafford Loan (for students)
- Available to dependent and independent undergraduate,
graduate and professional students.
- College or university will let you know if you qualify.
- Government pays the interest while the student is
in school.
- Unsubsidized Federal Stafford Loan (for students)
- Same as above except that the government does not
pay the interest while the student is in school.
- The student is responsible for the interest, but you
may request to have interest payments deferred until
graduation.
- Federal Consolidation Loan(for students)
It is often to your advantage to consolidate your student
loan debt into one loan in order to avoid having to make
multiple monthly payments to various lenders. You may consolidate
your undergraduate and graduate loans: Federal Perkins Loan,
Federal Unsubsidized and Subsidized Stafford Loans, Federal
Direct Loans, Health Professions Loans and/or Federal Nursing
Student Loans.
Enjoy extended repayment terms up to 30 years, and lower
your monthly payments.
- Federal PLUS Loan (for parents)
- Available to parents or step-parents of dependent
undergraduate students who want to help with college
expenses.
- Not based on financial need.
- Not awarded through a financial aid process.
- To apply, parents or step-parents just have to apply
at SSFCU.
Signature Loan
Whether you need some extra cash for college bills or holiday
expenses, or if a wedding or vacation is in your future, check
out our low interest rates for a personal loan that will fit
your budget. Low monthly payments are made even easier through
Payroll Deduction.
Share Secured Loan
This loan is secured by funds in your Secured Share savings
account and the rate that you receive will be three percentage
over the rate at which the funds that are secured are earning.
Example: Earnings 2.0% on Secured Shares and the loan rate
will be 5.0%.
Overdraft Loan
This is your "safety net" for your checking account.
You will have a credit limit of $500 and if you do not have
enough funds available in your checking account to clear a
check, then funds are automatically deducted from this loan
to cover the check. Funds are transferred from your Overdraft
Loan to your checking account in increments of $50. Payment
on this loan is due whenever there is a balance present.
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