THE LOAN AND FINANCIAL EDUCATION CENTER

In order to apply for a loan at Stewart's Federal Credit Union you must first become a member.  If you currently work for Stewart's Shops Corp or are an immediate family member of an employee we invite you to become a member and apply for a loan at the same time.

Personal Loans

PERSONAL LOANS

We understand that unexpected expenses can arise at any time.  Personal loans can provide the relief you need and can be used for any reasonable purpose.  Debt consolidation, home improvement and car repairs are just a few of the many possibilities.

We have low auto loan rates and will work with you to make sure that you can afford your monthly payment.  Affordable payments along with direct deposit can be the winning combination that puts you in a new or used car sooner than you think!  Have a car loan with another institution?  Call us to see if we can save you money by refinancing your loan.
 

AUTO LOANS

Auto Loans  

Equity LoansEQUITY LOANS

Equity Loans can be used for almost any purpose.  Popular uses are debt consolidation and home improvement.  With our competitive terms our equity loans may just be what you have been looking for.  
 
Loan Type Term Annual Percentage Rate
New Auto, New Motorcycle Up to 36 months* as low as 3.99%*
Used Auto, Used Motorcycle Up to 36 months* as low as 3.99%*
Recreation (ATV, Snowmobiles, RV’s, Watercraft) Up to 36 months* as low as 6.25%*
Fixed Home Equity Loans Min. $10,000/Max. $60,000 Up to 60 months** as low as 5.99%**
Personal Signature Loans Up to 36 months* as low as 9.25%*
Share Secured Loans Up to 36 months* Share dividend rate + 3%*
 

Rates as of June 9, 2010

*Other Rates And Terms Are Available.  Call To Discuss Your Options.

**Up to 180 month term available for Fixed Home Equity Loans.  Call for APR and payment options.

Rates may be subject to change without notice. Rates are subject to applicants credit score and length of term.

Simplify the process for making your loan payment by signing up for payroll deduction. Budgeting the payment with your payroll takes the worry out of making sure the payment is received on time.

In order to apply for a loan you must be an active member in good standing. Not a member yet? Join Now

 

 
  Ready to apply?  This section provides you with an online form to fill out.  It's the fastest, easiest way to apply for a loan.  You can also print out an application and fax or mail it to us.  Or, if you prefer, call Susan or John at 518-581-1201 ext 3900 and we'll take your application over the phone. 

 Apply Online

Click here to print out a membership application
Click here to print out a loan application
Click here to print out a Stewart's Shops direct deposit form

Financial Calculators

 

 

 
 

 

For more information on credit reports, auto purchases or home ownership please click on the pictures below.

 

 

 
 

COUNSELING INFORMATION

With so many financial obligations and options, money management may seem difficult and confusing at times. That's why Your Credit Union has partnered with BALANCE, a financial education and counseling service that can help you get on track, review and improve your credit report, get out of debt, set up a spending and savings plan that works for you, or prepare to buy a home. Call a BALANCE counselor at 1-888-456-2227 and let them know you are a Your Credit Union member.