Please be advised that the Union City ATM will be undergoing an upgrade and will be out of service on Monday, 3/27 through Friday, 3/31. The City Line branch ATM is currently not accepting deposits. Thank you for your patience while we perform the upgrades for a better member experience. Please check the website to locate fee-free ATMs. Click here to find an ATM.
If you’ve ever thought about buying a new car, owning your own home, or simply want the power to borrow more, our new Credit Builder Loan is the ideal way to help you achieve those goals.
Credit scores affect every financial opportunity available to you. Mortgages, loans, insurance rates, even cell phone contracts are all impacted by credit scores. So if you want to be in the best possible position to finance your future, focus on building the best credit you can. In addition, good credit can help you get lower interest rates that will translate into lower monthly bills and greater savings.
Our Credit Builder Loan helps to build credit by placing the value of the loan in a secure account for the loan’s term. Once the loan has been paid off, the loan’s value is released to you – with interest AND a better credit score!
Regular, on-time payments towards the Credit Builder Loan is what helps to improve your credit score. So simply having enough income to cover the timely payments may be all you need to get started. With our Credit Builder Loan, turning dreams into reality is probably much easier than you think!
*Terms & Conditions apply. The credit score is not a factor for approval. Must be a current member in good standing for a minimum of 3 months. Sufficient payroll deduction or direct deposit to cover payment prior to disbursement. Member must be employed at current job for at least 6 months. Two (2) current paystubs are required. All qualified members are pre-approved (DTI excluding charge-offs and collections). Loan amounts of $500 to $5000. Credit report is required to obtain information for any delinquent accounts that may be paid to improve credit (at beginning). Review the report for opportunities to refi other debts such as car loans. Only 1 Credit Builder loan can be maintained at one time/member. After 6 months of payment, total funds that have been paid down may be released to payoff collection/charge off in credit report. $25 application fee paid at time of application. Up to 24 month term. 3.5% rate regardless of credit score because it’s a shared secured loan. All loan eligibility, financing terms and rates are determined by LSFCU and are based on the borrower’s credit worthiness. Terms are subject to change without notice.
“Liberty Savings is like a second home to my family. They’ve helped us emquam quas aliquidundae pliquia erspero tem labo. Usci reped quiatis net quat fugiant ex erioreperum es qui conessequis etur sitiamus nus.”
Mary Joy Smith, Union City
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