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New FREE tool for FinancialEdge members
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Auto Financing - Dare to Compare!
What´s your best option? We´ve done some homework to help you decide.
Taking the "Cash Back Allowance" and financing through FinancialEdge Community Credit Union can save you a bundle!
Compare Dealer Financing (theirs) with Credit Union Financing (ours)
| Deal |
Purchase Price |
Dealer Cash Back |
Amount Financed |
Sales Tax* |
Total Loan |
APR** |
Term (Months) |
Total Paid |
Monthly Payment |
| Theirs |
$20,000 |
$0.00 |
$20,000 |
$1,200 |
$21,200 |
4.90% |
60 |
$23,946.00 |
$399.10 |
| Theirs |
$20,000 |
$0.00 |
$20,000 |
$1,200 |
$21,200 |
1.90% |
60 |
$22,289.75 |
$371.50 |
| Ours |
$20,000 |
$3,000 |
$17,000 |
$1,200 |
$18,200 |
5.50% |
60 |
$20,858.40 |
$347.64 |
FinancialEdge Community Credit Union could save you almost $3,100! PLUS LOWER your monthly payment by up to $50!
Click here to apply for your Loan Today!
For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.
*Assumes 6% sales tax
** Annual Percentage Rate The above rates are estimates and are subject to change. All rates are quoted As-Low-As. Check with the loan department for more details.
Please Note: This loan calculator is intended to provide approximate information and does not constitute an offer to extend credit. All rates disclosed within the calculator are subject to change without prior notice. Please contact the credit union for exact payment and rate information. Approval is subject to credit qualifications
Auto Loans We´re Your Vehicle Financing Headquarters!
Loan Features:
- Great low rates
- Flexible Terms up to 72 months
- Financing up to 100% of the value available
- GAP Insurance available!
- Ease your mind and protect your assets! Click here to learn more about Credit Life and Disability Insurance.
- Convenience! Indirect Auto Loans allow you to complete your paperwork right at the dealership!
Use our convenient Loan Calculator to determine your monthly payment amount.
Click here to apply for your Loan Today!
Refinance? Yes!
If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?
Check out our rates, to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.
For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.
Indirect Auto Loans - It´s Convenient!
FinancialEdge CCU realizes that your time is valuable. That´s why we have partnered with local dealerships to bring the credit union office to you.
Indirect Lending allows FinancialEdge CCU members the ability to apply for their FinancialEdge CCU auto loan at participating local dealerships and still receive the same LOW interest rate. The hardest part is picking out the right vehicle!
It´s Convenient! - Here are the steps involved.
- Indicate to your salesperson you would like to finance with FinancialEdge.
- The salesperson at the dealership fills out the application with you.
- The application is electronically sent to the credit union for approval.
- The loan documents are signed when you pick-up the vehicle.
- You drive off with your vehicle. It´s that simple!
Below are a list of participating dealerships:
| Bay Cycle Sales |
3800 S. Huron Rd |
Bay City, MI 48706 |
| Dean Arbor Ford |
3520 N. M-13 |
Pinconning, MI 48650 |
| Dolney RV Center |
1171 S. Huron Rd. |
Kawkawlin, MI 48631 |
| Draper Saginaw |
4200 Bay Rd. |
Saginaw, MI 48603 |
| Dunlop Pontiac |
517 Washington Ave |
Bay City, MI 48708 |
| Gettel Auto Mall |
651 Unionville Rd. |
Sebewaing, MI 48759 |
| Graff Chevrolet |
3636 E. Wilder Rd. |
Bay City, MI 48706 |
| Hagen Ford |
3980 N. Euclid Ave |
Bay City, MI 48706 |
| Keyser Chevrolet Buick |
10231 E. Washington |
Reese, MI 48757 |
| Labadie Auto (Cadillac, GMC) |
711 S. Euclid Ave |
Bay City, MI 48706 |
| Mike Young (Pontiac, GMC) |
Main Street |
Frankenmuth, MI 48734 |
| Reimbold Sales & Service |
110 Gera Rd. |
Frankenmuth, MI 48734 |
| Roger McIntosh |
75 N. M-13 |
Linwood, MI 48634 |
| Saginaw Valley Ford |
4201 Bay Rd. |
Saginaw, MI 48603 |
| Schafer Auto Mall |
125 N. Mable St. |
Pinconning, MI 48650 |
| Showcase Mitsubishi |
1242 S. Euclid Ave |
Bay City, MI 48706 |
| Thelen Chrysler |
4191 N. Euclid Ave |
Bay City, MI 48706 |
| Thelen Honda |
1020 N. Euclid Ave |
Bay City, MI 48706 |
| Thelen Mazda |
1112 N. Euclid Ave |
Bay City, MI 48706 |
If you have any questions on Indirect Lending, please contact our loan department at (989) 892-6088 or (800) 610-2764 and press 4.
Motorcycle Loans 
Whether you´re ready to get on the Road or hit the Trail, we have the flexibility you´re looking for.
Loan Features:
- Great low rates
- Flexible Terms up to 60 months
- Financing up to 100% of the value available
- GAP Insurance available!
- Ease your mind and protect your assets! Click here to learn more about Credit Life and Disability Insurance.
Use our convenient Loan Calculator to determine your monthly payment amount.
Click here to apply for your Loan Today!
Refinance? Yes!
If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?
Check out our rates, to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.
For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.
Recreational Vehicle Loans 
Don´t go into the Wilderness without your home away from home!
Loan Features:
- Great low rates
- Flexible Terms
- Financing up to 100% of the value available
- Possible tax savings (Consult your tax professional)
- GAP Insurance available!
- Ease your mind and protect your assets! Click here to learn more about Credit Life and Disability Insurance.
Use our convenient Loan Calculator to determine your monthly payment amount.
Click here to apply for your Loan Today!
Refinance? Yes!
If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?
Check out our rates, to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.
ATV Loans
We´ll help get you in the sand!
Loan Features:
- Great low rates
- Flexible Terms up to 60 months
- Financing up to 100% of the value available
- GAP Insurance available!
- Ease your mind and protect your assets! Click here to learn more about Credit Life and Disability Insurance.
Use our convenient Loan Calculator to determine your monthly payment amount.
Click here to apply for your Loan Today!
Refinance? Yes!
If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?
Check out our rates, to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.
Snowmobile Loans 
Get into High Gear!
Loan Features:
- Great low rates
- Flexible Terms up to 60 months
- Financing up to 100% of the value available
- GAP Insurance available!
- Ease your mind and protect your assets! Click here to learn more about Credit Life and Disability Insurance.
Use our convenient Loan Calculator to determine your monthly payment amount.
Click here to apply for your Loan Today!
Refinance? Yes!
If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?
Check out our rates, to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount.
For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.
LOAN PROTECTION INSURANCE is credit insurance that´s directly tied to your loan. Loan Protection is designed to make sure a debt doesn´t become a burden if the borrower passes away or becomes disabled. There are two forms of loan protection insurance:
- CREDIT LIFE INSURANCE is a group insurance policy designed to pay the outstanding loan balance of a borrowing member in the event of his or her death. The premiums for coverage are paid by the member and are added to the monthly loan payment.
Single or Joint Life coverage is available. Single coverage insures the primary borrower; joint coverage insures the primary borrower and one other eligible party to the loan.
Guarantors (Cosigners) are not eligible to apply for or be covered by Life Insurance.
Coverage Limits:
- $50,000 maximum per loan
- 120 months per loan
- CREDIT DISABILITY INSURANCE is a group insurance policy designed to help make a member´s monthly loan payment to the credit union if the member is totally and continuously disabled by a sickness or accident. The premiums for coverage are paid by the member and are added to the monthly loan payment. Coverage is offered to eligible members on an optional basis.
Coverage Limits:
- 120 months per loan
- $850 per month per loan
- $50,000 maximum per loan
GAP INSURANCE
In today´s market, a vehicle begins to depreciate the minute it is purchased. Because of this, a vehicle´s outstanding loan balance is typically higher than its actual cash value, especially during the first few years of the loan.
When a vehicle is totaled or stolen, the borrower´s insurance settlement is based on the actual cash value of the vehicle. Because of the way the claim is paid, the settlement can be significantly less than the remaining loan balance. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for the borrower.
Now, our Guaranteed Auto Protection (GAP) program will help protect your new or used vehicle investment, avoid a serious financial loss, and guarantee the loan is paid.
If the vehicle is totaled or stolen, GAP pays the difference between the outstanding loan balance at the time of loss and the actual cash value of the vehicle (primary insurance settlement), less certain deductions. Plus, GAP may also pay up to $1,000 of your insurance deductible.
Eligible Collateral:
- Automobiles
- Vans
- Light Trucks up to a 1-ton towing capacity
- Motorcycles
- Snowmobiles
- Jet Ski´s
- ATV´s
- Golf Carts
For more information, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4.
FinancialEdge Community Credit Union
P.O. Box 446
Bay City, Michigan
48707
989.892.6088
Fax: 989.892.3610
info@financialedgeccu.org
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