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Mortgages
Fairfield County Federal Credit Union offers a variety of programs to purchase a new home or refinance an existing mortgage. We offer both fixed and variable rate products as well as terms from 10-30 years. Special financing is available through one of our affiliates. We offer competitive rates and a pre-approval service to fulfill your needs.
Online Mortgages
Whether you're making your first home purchase, relocating or refinancing an
existing mortgage to lower your rate, Fairfield's dedicated mortgage team is
here to help you make the right financing decision.
And now we're able to provide you with online loan application and approval
24 hours/ 7 days a week!
MortgageClick will walk you through the loan application process in just
10 simple questions.
Choose - Let MortgageClick help you
find a program that is right for you. We'll walk you through the process,
provide you with loan options and research our rates for the program that
meets your needs.
Apply
- Log on anytime, day or night,
complete 10 simple questions and have a loan answer all within 15 minutes. And
the best part….once you have submitted your application you may view the
status of your loan application all the way through the process.
Learn - If you're not quite ready
to apply, MortgageClick is still the place to go to learn all about the
mortgage process, first time home buyers, purchasing or refinancing.
More - To learn more about our
provider, MortgageClick, visit our website. We'll provide details about us,
our privacy policy, mortgage loan calculators, insurance information and
property information.
How can you get cash back when you
purchase or sell a home?
Click Here to find out.
If applying online does not appeal to you, you have nothing to worry about.
We still have the same dedicated mortgage team ready and waiting to answer any
of your questions and walk you through the entire process in person.
Equity Loans
Use the equity in your home to finance home improvements, your children's college education, a dream vacation, debt consolidation and much more. Loans are available on any owner-occupied property in Connecticut. The interest paid may be tax deductible. * There are no closing costs and we offer pre-approval service.
Home Equity Line of Credit – allows you to access funds at any time up to the maximum amount of the line. You may draw against the line for ten years while you pay back interest and principal. These loans have a variable rate tied to the Average Prime Rate (as published in the Wall Street Journal on the last day of the preceding month). Checks for accessing the line are free and must be written for a minimum of $500.00.
Home Equity Loan – allows you to borrow against the equity in your home at a fixed rate of interest. Terms are available for 5-15 years.
* Consult your tax advisor concerning the tax deductibility
Federal Family Education Loan
Program (Student Loans)
Getting a college degree
is a worthwhile goal. College
graduates make an average of one million dollars more than those without college
degrees (www.studentloanfacts.org).
But the cost of a
college education can be overwhelming for both students and parents. That’s why
Fairfield County Federal Credit Union offers
Federal Family Education Loan
Program (FFELP) loans. If you or another family member plans to attend a
university, technical college, or any specialized training program, Fairfield
County Federal Credit Union can help you with the funding you need to pursue
your dreams.
Consolidate
Your Student Loans
Congratulations, you
have graduated! Now it is time to get off on the right financial foot. After
your federal Stafford loan 6-month grace period has ended, you will need to
begin making payments on your student loan(s). Regardless of where you
originally got your loan, you may be able to save by consolidating your loans
with a fixed-rate Consolidation Loan at Fairfield County Federal Credit Union.
Consumer Loans
Fairfield County is a safe and competitive financial center for your loan needs. We offer several different types of loans to help you purchase a new car, consolidate debt, or take a dream vacation. Payment protection and credit life insurance are available on all loans.
New/Used Auto Loans
Let the credit union finance you next car purchase. We offer low, competitive rates, terms up to 72 months and up to 100% financing. Stop in for a free pre-approval then shop for you new vehicle.
Line of Credit Overdraft
Fairfield County Federal Credit Union offers a Line of Credit that allows you to draft funds whenever you need them or to be used as a way to prevent overdrafts on your share draft account. Once approved, simply access the Line by writing a check from your Fairfield County share draft account. Credit lines are available up to $10,000.
Personal Loans
The credit union offers competitive rates and terms, as well as quick turnaround time on personal loans. These loans can be used for a variety of purposes.
Secured Loans
These loans are secured by the funds in your share or C.D. We give automatic approval on these loans as well as a low interest rate (3% above the rate paid on the collateral).
Loan by Phone
We're at your fingertips 24 hours a day, seven days a week with our Loan by Phone service. Call us toll free at 1-888-821-6339 to apply for a loan at a time that suits you. The service is open 24 hours a day. You'll receive personalized service and your application can be taken in fifteen minutes or less. Approvals may even be given over the phone.
There is a $25.00 fee which is rebated at the time the loan closes.
Student Loans
At Fairfield County Federal Credit Union, it’s our mission to help you achieve your educational goals. We’ve
teamed up with College Loan Corporation, a top national student loan lender, to
provide educational support and “Private Student Loan” financing for you and
your family. College Loan Corporation offers expert counseling to help you
choose your best option:
- Private student loans with competitive
rates and low fees
- Personal loan consultants for every
family
- Toll-free hotline available 24/7
- Resources available on how to pay for
college and manage your student loan debt
Our friendly, knowledgeable
consultants are on hand to help guide you through the student loan process. To
speak to a student loan consultant today, call CLC 24/7 at 800-310-7816 or go
online for more information at
www.collegeloan.com/fcfcu.
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