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Saginaw Medical Federal Credit Union Go to main content

Loan Specials

Loan Spooktacular

Being HAUNTED by your car, truck or RV payment can be FRIGHTENING.  We have your MAGIC POTION!  Take advantage of our SPOOKTACULAR loan rates and NO payment for 60 days!1  Don’t wait this offer ends on HALLOWEEN 10.31.19!

Apply Online or text "SPOOKTACULAR" to 989.399.9661 to apply today!

1Loan 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 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 refinance.

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 Representatives at 989.791.7070 x3501


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



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