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NexGen Online Banking

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Loan Products

Sometimes life just throws you a curveball and you need a little extra to take care of business. We understand – whether you’re looking at purchasing a new vehicle or an unexpected bill occurs, our loan products have you covered.

Apply Today

How It Works

For Members

If you are not yet a member and you wish to apply for a loan, you must first become a member of Four Seasons FCU.

Easy Decisions

Once you apply online, sit back and let our friendly staff try to help you to accomplish your financial objectives.

Get Pre-Approved

Let’s get you pre-approved for a great loan with competitive rates and a stress-free loan experience.

Equal Opportunity Lender

Four Seasons FCU is an equal opportunity lender, and we believe in providing everyone with an equal lending experience.

Learn More

Are you tired of trying to find the best deal on a loan? Four Seasons Federal Credit Union makes the process simple from beginning to end. We offer all kinds of loans with competitive terms. Most of our loans are simple interest loans, which means your interest decreases every month based on your payment. Other financial institutions use compounded interest, which can quickly drive up the total cost of the loan. At Four Seasons FCU, we focus on you and not the profit.

Applying for a loan is very easy to do with our Loan Application Portal. To apply for a loan, click the green button to the left. Please note that you must be a Four Seasons FCU member in order to apply for a loan.

Loan Types

Need a loan for your next new or used automobile? Getting pre-approved with Four Seasons FCU takes the stress out of shopping for your next ride. We offer new and used automotive loans with flexible terms up to 84 months. We finance up to 130% of NADA value on both new and used vehicles!

Don’t let a bad loan drag you into uncertain waters – let the experts at Four Seasons FCU guide you to smooth sailing with a boat loan for your next watercraft.

Need a loan for a motorcycle, RV, ATV, Jetski, or any other recreational vehicle? Look no further! We offer this loan on a flexible term of up to 84 months. Interest rates are based on your credit score and are determined on an individual basis.

There are so many events in life that put stress on our finances. Our signature loans may help relieve you of these financial stresses! With a Signature Loan from Four Seasons FCU, you could get up to $30,000 with approved credit, and have terms up to 60 months. The interest rate of this loan is based on your credit score.

Four Seasons FCU offers the ability to use either a Savings Account or Certificate Account for our secured loans. Secured loans are a great way to borrow against your funds at typically a lower rate than our credit based loans.

Our VISA Platinum credit card takes credit cards to a whole new level. Our new Platinum credit card offers our members solid, LOW interest rates. Four Seasons FCU can offer credit cards with limits as small as $500 or as large as $20,000. With our 20 day grace period, we give you plenty of time to pay back your purchases without ever being charged interest!

Loan Disclaimer

Loans are subject to credit approval, which is based upon member's credit worthiness.

We Do Business In Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act and to:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428

For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status or age.
  • Because income is from public assistance, or
  • Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428