Loans

Life happens and you need stuff. We get that, but you need help getting it! We know that too! That’s why we offer a variety of loan products for our members. It’s like asking a friend for a loan, without the awkward silence. Before you go somewhere else for your financial needs, check with us first! We have low competitive interest rates and we can even pre-approve you before you buy!

Plus, when you get a loan from us, you can enjoy easy repayments, by choosing automatic payments through payroll deduction, that will save you time and money, no stamps to buy or gas to go to the post office. Heck, easy repayments are good for the environment!

Did you know Sears Federal also offers Credit Life and Disability Insurance? Credit life insurance pays off your loan in the event of your death. It protects your family by reducing their financial burden. It also protects income, collateral and your credit rating. But most of all it provides peace of mind.

Credit life and credit disability insurance give you a convenient, affordable way to keep your loan repayment obligations. Insurance coverage is available for any eligible new loan and for existing loans (some restrictions may appy) for only pennies a day. Premiums are calculated into your monthly loan payment for your conveniences.

Sure, you may have a wallet full of credit cards, but … how many reward you for your purchases?
If you’re tired of the rules changing, of hidden fees and unexpected interest rate hikes and being punished for making your payments on-time, our Sears FCU VISA ® is for you. What the heck happened to the days when a credit card meant more convenience and less hassle? They’re back with our Sears FCU VISA®.

Imagine, a card that allows you to reward yourself, everyday, every time you use it. Whether you’re planning your dream vacation, managing your household finances or building strong credit for the future, we offer a credit card that meets all of your needs for one low, fixed rate! For more details,click here.

Vehicle Loans

Why finance your next vehicle with Sears FCU?

We offer great low rates (see below)
We make your payment affordable with terms up to 72 months on new vehicles and 60 months on used (some conditions apply)
Easy online application
No prepayment penalty
Extended vehicle warranties at competitive rates
Fast loan processing
Finance up to 72 months of the purchase price including title, taxes, tags and warranty.
Convenience of payroll deduction depending on your employer or auto pay.
Great rates and terms apply to autos, trucks, motorcycles, jet skis, campers, trailers, recreational vehicles and much more!

Apply for your vehicle loan today with our easy on-line application or stop in our office at 2724 Summer Oaks Drive, in Bartlett. For our vehicle loan rates, click here.

Personal Loans

Let’s face it; life seems to always throw you a couple of curve balls every now and again. Don’t sweat it; Sears FCU is here to help you manage life’s unexpected expenses by offering you a personal loan(otherwise known as a signature loan.)

A personal loan from Sears FCU is a great way to borrow for education, home improvements, debt consolidation, adoption, even plastic surgery! You can apply for a personal loan either on-line or in person at our office. And we make repaying your personal loan easy too! You can set up payroll deduction (depending on your employer) auto pay or ACH from another financial institution.

The personal loan limit, interest rate and subsequent advances are based upon your individual credit worthiness. Contact us for details.

Feel free to use our loan calculator to help estimate your payments.

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Do you have BIG plans? Maybe build on to your house, clear some of your debt or take a dream vacation? With a Home Equity Line of Credit, your plans can be a reality. So go ahead, fill in the blank ... and we’ll fill out the paperwork to make it happen. Our Home Equity Line of Credit (for Tennessee, Mississippi and Arkansas residents) is revolving, replenishing as you make payments. And its terms and withdrawal options are flexible. Home Equity Lines of Credit are available for up to 80% of your home’s value. Some conditions apply, and less existing mortgages and your interest may be tax deductible. Consult your tax advisor for details.