Please submit required applications and forms for all loans to your local branch.

Share Pledges

  • 100% of available State Farm FCU shares may be loaned.
  • No underwriting is required for a Share Pledge loan, unless it's the first loan request to establish a credit plan. 

Vehicle Loans

  • New Vehicles (Automobiles, Vans, Trucks, and Motorcycles)
    • Not been previously titled and were purchased in the last 90 days.
    • 100% of the purchase price plus dealer options & add-ons, taxes, title and tag fees, and any extended warranty may be financed. 
  • Used Vehicles
    • Previously titled and purchased within the last 90 days - borrow up to 100% of NADA Retail or Appraised Value plus taxes, title and tag fees, and extended warranty.
    • Purchased more than 90 days ago - borrow up to 100% of the NADA Retail Value or Appraised Value for vehicles.
  • New Recreational Vehicles - Boats and other watercraft, Travel Trailers, Campers, Golf Carts, Motor Homes, Snowmobiles, Jet Skis, and other TITLED on or off road vehicles
    • Not been previously titled and were purchased in the last 90 days.
    • 100% of the purchase price plus dealer options & add-ons, taxes, tag/title/vessel documentation fees, and extended warranties may be financed.
  • Used Recreational Vehicles
    • Previously titled and purchased within the last 90 days – borrow up to 100% of NADA Average Retail or Appraised Value plus taxes and tag/title/vessel documentation fees.
    • Purchased more than 90 days ago - borrow up to 100% of the NADA Average Retail Value or appraised value. 
  • New and Used Non-titled Recreational Vehicles - Snowmobiles, Jet Skis, Golf Carts, Boats, 4-wheelers, & Trailers such as horse, travel, motorcycle, boat, 5th wheel, pop-up, etc.
    • Applies only to those vehicles that cannot be TITLED in your state.
    • These will be UCC (Universal Commercial Code) registered
    • New: 100% of purchase price plus dealer options & add-ons, taxes, and extended warranties. 
    • Used: 100% of NADA Average/Used Retail Value or Appraised Value plus taxes and extended warranties.

Line of Credit Loans

  • Up to $50,000 per member.
  • No more than $50,000 total in a Line of Credit and total Personal Loans will be loaned.
  • Once a line of credit is approved, it will be reviewed from time to time to determine if the member is still credit worthy.
  • Two members in the same household may have no more than a $100,000 line of credit combined, subject to eligibility.
  • The minimum advance on a line of credit is $500.00.
  • The maximum repayment period is 60 months (5 years).

Personal Loans

  • Up to $50,000 per member.
  • No more than $50,000 total in a Line of Credit and total Personal Loans will be loaned.
  • The minimum personal loan amount is $1,000
  • The maximum repayment period is 60 months (5 years)

The minimum monthly payment for any loan is $50, regardless of the amount borrowed.

CU1000 Line of Credit

  • Minimum credit line of $500 and a maximum of $1000
  • No Credit Report pulled for this loan, unless it's the first loan request to establish a credit plan. 
  • One CU1000 Line per member.
  • Minimum advance of $250 
  • Minimum monthly payment of $100

Debt Consolidation

  • Any of the loans listed above could be used to help consolidate your other debts into one SFFCU loan. For example, if you have clear title to a vehicle with sufficient value, you can consolidate debts for the lower vehicle loan rate.
  • Bring, mail or fax your credit card or other installment or revolving debts to your branch with your other loan paperwork. If qualified, the Credit Union will refinance those debts. As a result, you may have significantly lower monthly loan payments.
  • Contact your branch for additional information and requirements.

Life Insurance

  • 100% of the Loan Value of State Farm Whole Life Policies or
  • 75% of the Loan Value of State Farm Universal Life Policies
  • No other life policies will be accepted as collateral