Loan Products


Loans

Who can apply for an NFCU loan?

Members who have at least $25.00 on deposit with NFCU are eligible to apply for an NFCU loan. 

Enjoy great service!

We make every effort to close a loan request within 24 hours; be sure to call a loan officer to find out your fastest process. 

How to apply for a loan.

For your round-the-clock convenience, apply online for all loans except mortgages.


Personal Loans

This handy loan may be used for car repair, tuition, moving expenses, medical bills, weddings – you name it!

Repayment Term Maximum
36 Months 10,000

Line of Credit

Enjoy ready cash as needs arise! May be used for Checking Account Overdraft Protection.

Repayment Term Maximum
36 Months 10,000

New Computers

Just say no to costly in-store financing!

Repayment Term Maximum
24 Months 100% of Retail

Certificate Secured

Repayment Term Maximum
60 Months APR is 2% above your current Certificate Rate

Share Secured

Repayment Term Maximum
60 Months Up to amount in Regular Share Savings

Christmas & Vacation Loans

Repayment Term Maximum
12 Months $1,500

Helping Hand Loan

This loan is available as an “Alternative to a Pay-Day Loan” for Members needing quick cash or help establishing or rebuilding credit.

  • Must have employment and provide a current pay stub

  • No credit check

  • Must not be in bankruptcy

  • Must be in good standing with NFCU

  • $500.00 maximum per loan

  • Loan application fee before advance

  • 3 months repayment term

  • Loan must be repaid in full before receiving another advance. (only four per calendar year, per household.)


Debt Consolidation Loan

Repayment Term Maximum
60 Months $26,000

VISA® Credit Cards

For NFCU Members only! If you currently hold a higher-interest credit card or credit balance anywhere, we invite you to transfer the balance to an NFCU issued VISA — and save!

  • No annual fee

  • Low fixed rate

  • No teaser rate

  • No cash advance fees

  • Pay off your balance within the 25 day grace period and owe no interest

Credit Card for Teens

Here at Nashville Firemen’s Credit Union, we believe all young people should learn healthy savings habits first! However, we understand there may be times when teens need a credit card — such as when they go to college. 

Does your teen need a VISA card? 

If your teen (at least age 18) has an NFCU student savings account, then with your parental approval and signature on the application, he or she may apply for an NFCU VISA® card.


Vehicle Loans

NFCU offers an excellent range of low-interest loans for both new and used vehicles. Why not get pre-approved before you shop? Getting pre-approved (finding out exactly how much car you can buy) will give you bargaining power! All repayment terms are based on the value of the vehicle. Remember — NFCU offers extended auto warranties and gap insurance!

Type New Used
Car, Truck or Van
  • 100% of Retail (up to 84 months)
  • 90% of Retail (up to 84 months - at a discounted rate)
  • 100% Payoff (up to 84 months)
Semi-New (501 - 15,000 miles):
  • 90% of Retail (up to 84 months)
  • 90% of NADA Retail (up to 84 months)
  • Refinance - after 1 year, 125% payoff (up to 84 months)
Motorcycle
  • 100% of Retail
  • Up to 84 months
  • 90% of Retail
  • Up to 84 months
Boats
  • 90% of Retail
  • Up to 84 months
  • 90% of NADA High Retail
  • Up to 84 months
Motor Homes
  • 90% of Retail
  • Up to 120 months
  • 90% of NADA Retail
  • Up to 120 months
Non-motorized RV
  • 90% of Retail
  • Up to 72 months
  • 90% of NADA Retail
  • Up to 72 months

Other Secured (Lawn mowers, ATVs, Trailers, etc.)

Type New Used
Lawn Mowers, ATVs, Trailers, etc.
  • 90% of Retail
  • Up to 60 months
  • 90% of Retail
  • Up to 60 months

Mortgage Loans

NFCU is helping to make home ownership a reality for our members by offering an array of mortgage programs. From “low down payments” to “jumbo mortgages,” there’s a program that best suits you. Your NFCU loan officer can help you find it! Call for details.

First & Second Mortgages