We offer a wide variety of loans at competitive rates. Our application process is stress free and we offer flexible payments and terms to meet your budget.
In addition, when you finance your loan with North Towns FCU, there are NO PREPAYMENT PENALTIES. Upon request, your loan may be amortized to skip your payments over the summer months.
We will Match most of our competitor's rates!
Is your loan financed elsewhere? Refinance with us and save more!
Contact our Loan Officer, Cheree E. Caprio via email at: firstname.lastname@example.org
We offer unsecured loans for any reason!
Clarence Community & Schools Federal Credit Union now offers a Platinum VISA Credit Card to all qualifying members.
The interest rate is as low as 8.99% apr*, with a 5 day grace period.
Remember, No Annual Fee and No Fee for Balance Transfer or Cash Advances!! If you have a credit card somewhere else, you may be paying too much interest – call us today and start saving money!!
*APR = annual percentage rate.
Clarence Community and Schools Federal Credit Union simplifies online shopping with
For a Lost/Stolen Debit Card, please call the Credit Union Office at 1716-630-0888 if during open hours.
If after hours please call 1-888-241-2510.
Please call the Credit Union at 1-716-630-088 and leave a message as well.
Please call (716) 630-0888 or visit us at 9145 Sheridan Drive to apply today!
*The closing costs paid by CCSFCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity line is paid in full within three (3) years of the loan opening date. Closing costs generally total between $800 and $3,000.
**Calculated by multiplying the appraised value by 85%, less the remaining balance on your first mortgage.
***The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Wall Street Journal. Interest and payments adjust annually on the 1st day of September. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 4.00% at any time during the plan. Rates may vary from those quoted and listed based on your credit history.
****Please consult a tax advisor regarding deductibility of interest.
Whether you’re buying a new home or refinancing, our goal is to provide you with competitive, convenient and responsible mortgage financing options.
To help us achieve our goal, we have partnered with OwnersChoice Funding. Feel free to visit www.ownerschoice.com for current rates, or to apply online!
This is a perfect way to establish new credit or to re-establish credit at a low rate.
The Credit Builder Loan was created to help you build a good credit rating or repair bad credit. A good credit history is vital to your financial health. But how can you build one if you have experienced poor payment history or have no credit history at all?
Credit Builder is a combination loan and savings program that may help you establish a good payment history which is an important step in building a higher credit score.
Here's how it works:
Call (716) 630-0888 to speak with a loan representative today!
*Results not guaranteed. Improvement in credit score is dependent on your specific situation and financial behavior.
Your Credit Score is the Key to YOUR Financial Life.
To learn more about your credit score, click here
Everyone deserves a break. That’s why North Towns FCU offers our Skip-a-Payment program up to two(2) times each calendar year, per loan
Use the extra cash for a special purchase, take a healthy chunk out of debt or just enjoy the peace of mind of a month without your loan payment.
All North Towns FCU loans must be current and in good standing.
You may “skip” each eligible loan two times per year.
Interest will continue to accrue during the period to be skipped, which will extend the term of the loan.
The Skip-a-Payment Program does not apply to loans secured by real estate or VISA credit cards.
A $30.00 processing fee will be assessed for each skipped payment.
To participate in the program, call a loan representative at (716) 630-0888 or download the Skip-a-Payment form below.
Once complete, please return it to the credit union office for processing. (Please use a separate coupon for each loan to be skipped)Download the skip a pay form