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Saginaw Medical Federal Credit Union Go to main content

Loan Specials


Picture of SMFCU 500 logo

Finish first with the SMFCU 500 Loan Event!  When you finance your secured loan* with us, you'll be automatically entered in our cash for you, cash for your cause drawing.  You could win $250 for you and $250 for a charity of your choice!  

Plus matching rates and no payment for 60 days!  

Apply Now!

*Loan must be a minimum $5,000 loan purchase or refinance.  All loans subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.  No refinanced vehicle loan will go below 1.99% APR. Existing SMFCU loans and third-party loans financed on behalf of SMFCU, including dealer-financed loans, are not eligible for refinancing.  Members are eligible to enter one time only and can only win once during the promotional period.  See official rules for chance to win details.

SMFCU 500 Official Rules


Summer Skip-A-Pay

Summer Skip a Pay Graphic - Woman jumping in sand

Take a vacation from your loan payments this summer!  Skip your qualifying May, June, or July loan payment* to put a little extra cash in your pocket for vacations, camps, garden clean up or anything else you might need!

Skip your payment!

*Qualifying loans to be skipped must be current to consider.  First mortgages, second mortgages, home equity loans, credit cards, lines of credits, commercial or business loans, TDR/workout loans, or any loans that have not had at least three monthly payments applied are not eligible for this offer.  Members can have one skip a pay plan in any six month period, but no more than two in a twelve-month period.  


Make a Splash Vacation Loans!

Make a splash graphic - young girl in pool

Make a Splash with our Vacation Loan Sale!  At 5.9% APR* for up to 12 months, you could enjoy a vacation for less than $45 a paycheck!  

Plus with our quick and easy application process, you can skip the branch trip, sign online, and be ready for vacation by the end of the day!

Apply Now!

*APR=Annual Percentage Rate.  Interest rate and term are based on creditworthiness and loan guidelines.  12 monthly payments of $86.02 per $1,000 borrowed based on best rate or 24 biweekly payments of $44.28 per $1,000 borrowed based on best rate.  Maximum loan amount $2,000.



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