Think Spring!

Post date: 4/1/21
Availability and special terms subject to change.

 

It’s a fact: once the snow melts, our to-do list starts to grow. What are your needs this spring? Consider your must-do items first, then prioritize. Include what you hope to accomplish, too — consider your home, vehicle, and personal finances.

Springtime lending checklist:

Your home:

Assess all would-be projects. Take a walk around your home and see what is going on structurally — both inside and out. For example, is your roof showing the effects of winter? How about your siding, windows, and eves? Take a look at your garage and driveway, too.

Also, consider your electrical and plumbing needs, as well as your furnace and air conditioning. It’s an ideal time to see if everything is functioning properly.

Regular maintenance and upkeep help ensure your home’s value stays strong. Because once the maintenance starts to slide, so does your home’s worth. Fundamental (must-have or structural) needs should always come first.

Your vehicle:

Did cold weather take its toll? Salt, poor roads, and harsh conditions all contribute to added wear-and-tear on your car. You may need financing for needed repairs — or you might just decide on a new vehicle. No matter your needs, turn to us, whether it’s for a car, personal or home equity loan, or low-cost credit card.

Living in Michigan, reliable transportation is non-negotiable. And spring is an ideal time to drive home a new car.

Your debt situation:

Look at your outstanding loans and credit lines, including credit cards, PayPal, and others — all can become unmanageable. Do you have payments to consolidate? Unexpected bills (medical, home, or car repairs) are another fact of life. And debt can be sneaky, accumulating over time.

For good financial health, it pays to periodically review the rates you’re currently paying on your loans, including your car, home, and credit cards.

If you need to refinance, solutions can be found via a home equity or personal loan, car loan, or credit card balance transfer. All have their strengths, but the key is to lower your rate and monthly payments. And if you consolidate debt, it’s always easier to manage one payment!

Prioritize your needs. No matter your project or purchase, we offer affordable financing options.

Get the money you need for spring:

Vehicle Loans & Refinances
as low as 2.99% APR*

  • Drive home a new car this spring!
  • Or refinance an auto loan from another lender and save.

 

Home Equity Loans
as low as 2.25% APR*

  • Take care of any project or purchase.
  • This is one of your most affordable financing options!

 

Credit Card Balance Transfers
as low as 4.99% APR**

  • Make purchases or transfer balances at this low APR.
  • No annual or balance transfer fees.

 

Personal Loans & Credit Lines
as low as 9.24% APR*

  • Pay off other bills, make home or car repairs, even take a vacation!
  • Use the funds for any need.

No matter what’s on your list, the loans are blooming at First United CU!

To apply, call or text us at 616.532.9067 or email Loans@FirstUnitedCU.org. Or try our easy online loan application! You can take care of most of the paperwork electronically, so there’s no need to stop in.

 

*APR = Annual Percentage Rate. Rates as low as 2.99% APR effective April 1, 2021 and are subject to change without notice. Home Equity loans are based off Prime Rates plus all Loan Rates based on credit score, term, and collateral offered. Must have a minimum of $250 ACH Direct Deposit, Online Banking with eStatements and eNotifications to qualify. When financing for best rate, you may choose one or ALL of the following options: 1) .50% off your lowest rate when refinancing only; 2) an additional .25% off your lowest rate with an active Checking account; Loan discounts will be applied to your lowest approved rate.  3) For Vehicle Loans: No payments for 90 days with an active Checking.
**APR = Annual Percentage Rate. Promotional balance transfer rate effective on balance transfers made January 1 – June 30, 2021. As low as 4.99% APR, 400 BP reduced from member’s normal APR transfer rate through December 31, 2021, for any balances transferred through June 30, 2021. All three credit cards qualify for the promotion. Remaining balances will begin incurring interest at your card’s standard Retail/Purchase APR as disclosed in your cardholder agreement on January 1, 2022. Your account must be in good standing. Rates and terms subject to change without notice. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. Offer is not good on other current First United CU card balances. Other restrictions may apply; applicant must meet current credit criteria, and we may need a new credit application and to pull a new credit report.