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FinancialEdge Credit Union Go to main content Locations


Loan for you.

Financing options with endless possiblities.


LifeLine of Credit

No hassles, No worries! When you´re ready, your loan is ready too! Our LifeLine of Credit is just a Line of Credit loan that features:

  • Pre-determined Credit Limit always available
  • Credit lines available up to $15,000
  • Great low rates
  • Open Term
  • Monthly payment determined by last advance balance, rounded up to the nearest $100 increment, multiplied by .035. Minimum payment is $20
  • Ease your mind and protect your assets! Learn more about Credit Life and Debt Protection.

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your loan today!

Credit Rebuilder Loan

This loan is a great choice to help you rebuild your credit, while saving money at the same time.

Turning a bad credit profile into a good one doesn’t happen overnight. The credit builder loan is designed so you make small payments over time, ultimately raising your score to good standing.

Whether you’re looking to boost your low credit score or are just starting out and need to establish credit, a credit builder loan can help you achieve your personal financial wellness goals.

Once you are approved for the loan, a portion of the funds from the loan are placed on hold in your FinancialEdge savings account and will become available as you pay off the loan. Your loan payments will be reported to the credit bureaus over the course of the loan, giving you the opportunity to build a positive credit history.

Once the loan is paid off, you can choose to withdraw the funds, or leave the money in your account to continue earning interest. The choice is yours.


  • Must be an existing member of the CU for a minimum of 6 months.
  • Income verification
  • $20 non-refundable application fee
  • Loan payment must be set up for Auto Transfer

Call us at 989-892-6088 and ask to speak to a loan representative for more information or to apply. You can also email us with any questions you might have to help you get started.

Debt Consolidation

The goal of a debt consolidation loan is to pay other debts in order to reduce the amount of interest or total payments you are making each month. A debt consolidation loan may be unsecured or may be secured by a car or home. You can also consolidate your debt onto a lower rate FinancialEdge Credit Union Mastercard®. If you have loans at other institutions, we can help save you money! Why pay more each month when you can pay less with us?  Check out our rates to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.

You may also want to consider our Home Equity Line of Credit Loans or our Single Advance Home Equity Loans for debt consolidation. Home Equity Loans could provide you with the following features:

  • Lower Interest Rates Line Of Credit Single Advance
  • Possible Tax Savings (Consult your tax professional)
  • Lower Monthly Payment
  • Greater Consolidation Power

Apply for your Loan Today!

Savings/CD Secured Loans

Keep your savings in your account and get a great rate!  Use a Savings / CD Secured Loan to consolidate bills, purchase a vehicle, complete home improvements, or any other purpose. 

Loan Features:

  • Great rates
  • Flexible Terms
  • Ease your mind and protect your assets! Learn more about Credit Life and Disability Insurance

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!


How it Works:

A FinancialEdge Credit Union Savings-Secured Loan uses funds deposited into a Savings account or Certificate account as collateral for a loan equal to the deposited amount. The deposited funds stay frozen until the loan is paid in full. Once the loan is open, you make payments to it, as you would any other loan.

Good Payment History Builds Credit

As you make on-time payments to your Savings Secured Loan, you are building up a positive payment history. We report that history to each of the three major credit bureaus. The more on-time payments you make, the more it helps your credit score. Creating a positive credit history is important because your credit rating can impact your life in ways you may not realize, such as making it harder to rent an apartment or apply for a job.

Student Loans

The Smart Option Student Loan® for FinancialEdge Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.


The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more or apply, please get started here.

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