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Saginaw Medical Federal Credit Union Go to main content

Loan Specials

ScoreCard Buy-Back Program

Use your Visa ScoreCard points to buy your loan rate down or to buy your certificate rate up!1

  • Buy Your Loan Rate Down with ScoreCard Points
    • 25,000 ScoreCard Points = 0.25%APR* Discount
    • To Get Started: APPLY FOR A NEW LOAN and mention the ScoreCard Buy-Back Program in the comments
  • Buy Your Certificate Rate Up with ScoreCard Points
    • 25,000 ScoreCard Points = 0.25%APR* Increase
    • To Get Started: Stop into one of our branches or contact our Financial Service Repersentatives at 989.791.7070 x3501


1APR Annual Percentage Rate.  Buy-Back bonus rate can only be used for a new loan or a new certificate and can only be added to the account that the Visa Account is under.  Offer valid through October 31, 2019.

Auto Loan Loyalty Program

We are always happy to see you and will always do what's best for you! Come see us for your next new or used auto loan purchase and in appreciation of your loyalty, we'll give your up to $200 Cash Back!!1

The More you Borrow the More you Earn

Amount Borrowed:

  • $15,000 and under
    • $50 Cash Back
  • $15,001 - $30,000
    • $125 Cash Back
  • $30,001 or more
    • $200 Cash Back


1Loan must be a minimum $15,000 auto loan purchase or refinance. All loans subject to credit approval. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. Existing SMFCU loans and third party loans financed on behalf of SMFCU, including dealer financed loans, are not eligible for cash back incentive.
Cash back will be automatically deposited to member savings account after loan closes.   



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