Consolidation Loan - Shrink Your Payment Special!
Your credit union wants to help you with your goal of improving your financial fitness in the New Year!
That’s why we’re giving you the opportunity to pay off double-digit interest rates from your credit card balances with a Consolidation Loan.
First Service Consolidation Loan
- Fixed rate as low as 6.99% with an 8.133% APR1
- Terms to 42 months
- Fixed Payment for Easy Budgeting
- No Application Fee
- Get a 1% Cash Rebate!2
It’s all about savings… and even more cash in your pocket. With your First Service Consolidation Loan, you will earn $10 for every $1,000 we pay off with another lender.
All loans on approved credit. Offers do not apply to loans already financed at First Service. Current rates, terms, and offers are subject to change or withdrawal. Rates may vary according to credit qualifications. $99 loan processing fee or $74 with a FirstChoice Checking Account. No other discounts apply. Other rates and terms maybe available.
1 Payment example based on a credit score of 720 or higher with all other credit qualifications met: $5,000 consolidation loan at 6.99% rate with a 42 month repayment term and $99 loan processing fee, would have a 8.133% APR and a monthly payment of $134.98 with total payments of $5,669.07.
2 $10 per $1,000 of balance transferred up to a $100 maximum value cash incentive will be deposited to member’s Share Savings Account when loan balance(s) are transferred from another lender.
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America Saves Week
Join with First Service to celebrate America Saves Week!
Stop by any First Service office during America Saves Week to visit our financial wellness check-up stations designed to help you achieve your savings goals.
America Saves Week 2018 daily savings themes:
Monday, February 26: Save with a plan
Savers with a plan can be over twice as likely to save successfully for things like retirement. Start your savings habit during America Saves week by creating a simple savings plan when you take the America Saves Pledge.
Tuesday, February 27: Save the easy way...automatically
It can be hard to put aside money for savings, but there is an easy way to save money without ever missing it by making your savings automatic in 2018. Already saving automatically? Find ways to automate other aspects of your financial life this year.
Wednesday, February 28: Save for rainy days
A rainy day fund consists of a small amount of money in a savings account separate from your checking that you do not have easy access to. Saving for this fund starts with small, regularly scheduled contributions that build up over time.
Thursday, March 1: Save to retire
Saving now for retirement will ensure you have enough money to have a comfortable standard of living when you stop working or reduce the amount of hours you work. Participate in a work-related retirement program such as a 401(k) or open an Individual Retirement Account (or IRA). Already saving for retirement? We recommend increasing the amount you save toward retirement by 1 percent.
Friday, March 2: Save the extra
We're more likely to save a windfall than a small amount consistently over a long period of time. Hack that psychology by saving your bonuses, raises, and tax refunds. This tax season, get ahead of your financial goals by saving at least $50.
Saturday, March 3: Save as a family
Good savings habits start at home. Whether you're budgeting, saving, making retirement decisions, or assessing workplace benefits, share the choices you make with your children, no matter their age.
- First Service VISA - 4.99% APR* Introductory Rate
Love My Credit Union Rewards
Love your savings.
Everyone is looking for ways to save money, and that's just what Love My Credit Union Rewards is all about.
First Service is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.
- Sprint Line Activation Member Discount: Get a $100 Cash Reward for every new line (see details below)
- Save up to $15 on TurboTax Federal tax products
- Save on services for your home from ADT and more
- Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.
Sprint Line Activation Member Discount
As a First Service member, you can earn $100 for every line when you switch to Sprint®.
Here's how it works:
- Members get a $100 cash reward for every new line when you switch to Sprint.
- Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.
- Plus, get a $50 loyalty cash reward every year for every line
Here's how to sign up for Sprint cash rewards:
- Become a Sprint customer
- Register at LoveMyCreditUnion.org/SprintRewards
- Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!
Earn $10 for Member Referrals!
Members are eligible to earn $10 when their family, friends, or co-workers open a new membership account, plus one other service, with a Member Referral Coupon. Share the benefits of First Service by referring your family, friends and coworkers to open their accounts.
Travel with the convenience of free ATMs nationwide!
First Service has an extensive network of FREE ATMs, starting with our local branch offices. In addition, ATM withdrawals from First Service accounts are free at all Fifth Third Bank owned machines nationwide (other than Speedway locations). This includes over 1,500 ATMs across the country for your convenience! Free cash withdrawals are also available at US Bank branch locations in Ohio.
Getting the money you need ... just got faster!
We are now pleased to bring you the option of receiving and signing your loan documents quick and easy by secure e-mail. DocuSign is an option that will save time in completing your loan documents, with most of our auto and personal loans now available for this convenient service ... at no extra charge to you.
Great terms and easy processing ... even more reasons to finance with First Service!