Loans

The lending practices at Spirit of America Federal Credit Union are designed with our members in mind. Our members are able to borrow funds for almost any worthwhile purpose at competitive rates and easy repayment terms. Simply contact a loan interviewer at the Credit union if you are interested in any type of loan. Applications can be submitted by mail, fax, phone or in person at our convenient location.

  • Share & Certificate Secured
  • Personal
  • Vehicle
  • Home Equity
  • Recreational Vehicle
  • Overdraft Protection
  • Credit Cards

CREDIT REPORT

Once every 12 months a consumer can request a free copy of your credit report from the three credit reporting agencies. Click here to go to Annual Credit Report website. By clicking on this link you are leaving the Credit Union’s website. The website you are being directed to is not operated by the Credit Union. The Credit Union does not provide, and is not responsible for, the product, service or overall website content available at a third-party site. The Credit Union does not represent either party or the member if the two enter into a transaction. Privacy and security policies may differ from those practiced by the Credit Union.

STUDENT LOAN INFORMATION

With the Health Care and Education Affordability Reconciliation Act of 2010 (H.R. 4872), the Federal Family Educational Loan (FFEL) Program has been eliminated. Private lenders, like Spirit of America Federal Credit Union no longer have a role in originating or funding federal Stafford, PLUS or Consolidation loans. As of July 1, 2010 all new federal student loans will be issued via the William D. Ford Direct Loan Program. Contact your school’s financial aid office for more information.

EXISTING FEDERAL STUDENT LOAN BORROWERS

For questions or service related to an existing Federal Family Education Loan secured through Spirit of America Federal Credit Union, contact our chosen servicer, Great Lakes at 1-800-236-4300, or at www.mygreatlakes.org. The website you are being directed to is not operated by the Credit Union. The Credit Union does not provide, and is not responsible for, the product, service or overall website content available at a third-party site. The Credit Union does not represent either party or the member if the two enter into a transaction. Privacy and security policies may differ from those practiced by the Credit Union.

CREDIT LIFE AND CREDIT DISABILITY INSURANCE

If you are thinking about applying for a loan be sure to consider Credit Life and Credit Disability Insurance. Not sure what Credit Life and Credit Disability Insurance is? Find out more about these services by clicking here.

NMLS ID INFORMATION:

Dannielle Click NMLS ID: 808072
Kimberly Garringer NMLS ID: 808073
Cheryl Wiemer NMLS ID: 808074