Loan Products

The credit union offers a variety of loan programs to fit your needs and budget! Borrowing from the credit union ensures you will receive a competitive low interest rate and flexible repayment terms. We make it easy to apply for and quickly process loans to purchase new or used vehicles, finance home improvements, purchase a new home, take a special vacation or for any other worthwhile purchase.

Refinance and Save!

Many members are able to lower their interest rate or payment when they refinance loans currently held by another lender, with a low interest rate credit union loan. Contact a credit union representative for refinance information or to calculate monthly payments.

Applying is easy!

Click here to apply for your loan. Need more information? Contact a knowledgeable Loan Representative at (800) 369-2786, (810) 720-8300, or (810) 664-5351 for a no-obligation loan consultation and monthly payment calculation. We may be able to save you money each month on loans you already have!

Vehicle Loans

Your credit union is the place to finance your next vehicle! We offer competitive low interest rates and flexible terms for the purchase of a new or used vehicle. Applications can be accepted online, via telephone, in person at any of our offices or at one of the automobile dealerships we have partnered with to bring you one-stop shopping! Click here for a list of participating dealerships.

Find your perfect car

Use FASECU’s online car-buying resource, AutoSMART, and browse thousands of new, used and certified pre-owned vehicles from different dealerships.   AutoSMART gives you the tools you need to find a vehicle that fits your needs and financial budget!  You will have access to:


  • Powerful research tools - Compare and research the car, SUV, RV or motorcycle that’s right for you.
  • Multiple dealership listings - Browse a large selection of inventory right from your desktop, laptop or mobile device.
  • Reviewing the value of your trade-in - Use our online resource to provide you with an estimate for your current car’s trade-in value before you go to the dealership.
  • Obtaining pre-approved financing - For low interest rates and payments, get pre-approved for a car loan from FASECU.

 Click on the 'AutoSMART' button along the left side of your screen to get started TODAY!                

VISA® Credit Cards

Use your Flint Area School ECU VISA® Credit Card for all your purchases!  This convenient non-variable interest rate credit card is a great way to manage expenses and control high interest rate debt.

Additional Benefits Include:

  • $9 annual fee is waived if you direct deposit your paycheck or other recurring payment with us.
  • Payments can be made in person at any office, over the telephone, by mail, through the A+CALL® telephone transaction system or via A+COMPUTE® online banking.
  • Obtain cash from any ATM that displays a VISA® or PLUS® logo worldwide.
  • Travel Accident Coverage and Auto Rental Collision Damage Waiver included.


Apply here for your VISA Credit Card or click here to contact a Loan Representative.

Mortgage Loans

Purchasing a home is one of the most important financial decisions you will make. We have partnered with AmeriCU Mortgage to bring you personalized service, flexible financing options and low interest rate mortgage loans whether you are purchasing or refinancing your home.

With AmeriCU Mortgage, we strive to meet the individual needs of our members by providing:

  • Personalized service,
  • Flexible underwriting,
  • Convenient application processing,
  • Competitive mortgage interest rates, and
  • Low closing costs.

We offer a variety of residential mortgage programs with competitive interest rates and various terms tailored to meet your needs. An experienced AmeriCU Loan Officer will guide you through the mortgage process and help you choose a program that best fits your needs.

Applying is easy! Click here to complete your application or call (800) 979-9994 to speak with an AmeriCU Loan Representative.

Home Equity Loans

We offer two types of home equity loans to meet your needs!

Traditional Second Mortgage – Borrow a specific amount to be repaid over a set period of time with equal low monthly payments and a fixed interest rate.

Home Equity Line of Credit - Borrow the amount you need, up to your approved limit, as you need it and your payments are based on the amount of your last loan advance.

The interest rates for home equity loans are typically lower than interest rates for personal loans and the interest you pay may be tax-deductible**. Consider a Home Equity Loan for home improvements or repairs, college tuition and expenses, vacation or wedding expenses or to consolidate high interest rate debt.

For additional information about our Home Equity Programs, or to begin the application process, call our Loan Department at (800) 369-2786, (810) 720-8300, (810) 664-5351 or send an e-mail to

** Please consult your tax advisor about your particular situation.

Personal Loans

Need extra funds for travel, holiday or summer expenses? We offer a variety of low fixed interest rate personal loans to meet your needs! A Personal Loan can be used for many worthwhile purposes and does not require collateral to secure the loan. When you sign your loan documentation, your signature is the guarantee that the loan will be repaid according to the terms and conditions set forth in the loan documentation. Apply here for your loan!