Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

Banking… Only Better
Advanced Financial Federal Credit Union can help you to finance a variety of needs with a personal signature loan or line of credit. Secured loans can help rebuild credit while the savings securing the loan continue to earn dividends.

Personal Loans

We offer a variety of personal loans to fit your needs.

Personal Signature Loans

Borrow at a fixed rate and term for a variety of needs, including debt consolidation, travel expenses, back to school expenses, wedding expenses, vehicle repairs.

  • Signature loans up to $15,000
  • No collateral required.
  • No prepayment penalty.
  • Automated payments through direct deposit or auto transfer from your share savings or checking.
  • Amount, rate and term will be determined subject to credit underwriting.
  • Seasonal specials for short term/special rate holiday and vacation loans
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Loan Department

800-237-5626, option 4
fax: 908-771-9540
loandept@advfinfcu.com

Current Rates
  • Personal Signature Loan As low as 9.90% APR*
Rates as of 9/23/2024

Personal Signature Line of Credit Loans

An unsecured line of credit you can access as needed.

  • Overdraft lines of credit up to $2,000 to provide an additional overdraft source for your checking account.
  • Signature line of credit up to $10,000.
  • Available credit replenishes as payments are made.
  • No collateral required.
  • No prepayment penalty.
  • Automated payments through direct deposit or auto transfer from your share savings or checking.
  • Amount, rate and term will be determined subject to credit underwriting
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Current Rates
  • Signature Line of Credit As low as 9.90% APR*
Rates as of 9/23/2024

Secured Loans

Borrow using your own funds as collateral - There are all kinds of reasons a secured loan can make sense.

Do you need to rebuild a healthy credit score? Do you want to borrow without having your credit report accessed? Feel more comfortable keeping your funds on deposit and taking a loan against them?

Borrow up to 80% of your share savings or share certificate balance. The amount borrowed is held in a pledge but continues earning dividends and pledged funds are released each month as payments are made.

  • No prepayment penalties.
  • The loan will be reported to the three major credit reporting agencies.
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Current Rates
  • Share Secured Loan As Low as 4.90% APR*
  • Certificate Secured Loan Varies based on CT used to secure
Rates as of 9/23/2024

* APR = Annual Percentage Rate. | Maximum APR on all loans is 18.00%.
Advanced Financial
Federal Credit Union
New Providence | Roselle | Scotch Plains | West Orange

Our routing number for direct Deposits: 221276817
Federally Insured by NCUA
We do business in accordance with the fair housing law and equal opportunity act

Member of NCUA Equal Housing Lender Excess Share Insurance