Sabine Federal Credit Union

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Loan Application
Rates & Fees

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Lending Center

24 Hour Lending Service
When it comes to lending, our business hours are 24/7. You can apply for a loan 24 hours a day, seven days a week over the phone. You get the information you want, when you want it. Call 409-988-1300. If it is after our regular business hours, you can press 8 to be connected with a live person to help with your lending needs!

Auto Loans
New and used vehicle loans are our specialty and with our flexible terms, we have a loan that is sure to suit your needs. We finance up to 100% of MSRP or NADA retail before taxes. New auto loans are available for up to 84 months and used vehicle loans are available up to 72 months. Click here to apply online and receive an instant decision. Click here for our current rates.

Auto Loan Accessories

Credit Life and Disability Insurance – This added protection ensures that your loan payments are made in the event of your disability or death.
Guaranteed Auto Protection (GAP) – GAP pays the difference between your vehicle insurance company’s settlement and the remaining loan amount (directly related to the vehicle purchase), up to the maximums allowed by the credit union and/or state, in the event your vehicle is stolen or damaged beyond repair.
Mechanical Repair Coverage – As your car ages and racks up the miles, it could also rack up some big repair bills! MEMBER’S CHOICE Mechanical Repair Coverage (MRC) pays for covered mechanical repairs. It also protects you from the potential cost and inconvenience of covered breakdowns with the plan’s 24-hour roadside assistance, towing, emergency travel expense, and rental reimbursement.

Auto Shopping Assistance

Visit our Online Services page for the Anytime Adviser which offers interactive coaches for new and used car buying tips.
Visit our Consumer Information page for links to NADA, Car Fax, and more helpful auto sites.

Line of Credit Loans
If you’re the kind of person that doesn’t have a lot of time to spare, this is the perfect loan for you! With a line of credit loan, you can have access to your available funds – without seeing a loan officer! Once you’re approved for this convenient loan, your available funds can be accessed through a teller, home banking, TellerLine (our 24 hour phone service), or can be used as a source of overdraft protection. For added convenience, qualified members can receive a line of credit up to $20,000.00. Apply online!

Home Equity Loans
What is home equity?
Equity is the difference between what your home is worth and what you owe. A home equity loan allows members to borrow money that is secured by their homestead. You may apply to borrow up to 80% of your home's market value less any outstanding liens.

What can I use the loan proceeds for?
Home equity loans can be used for just about any reason. Consolidating bills, college tuition, and home improvements are some of the purposes for which these loans can be used.

What Else?

We offer competitive fixed rates.
The repayment terms are up to 240 months depending on the amount borrowed.
We offer home equity loans on homes in Texas only.
Terms, for example, on a loan amount of $30,000 with an APR of 5.25% and a term of 120 months, the monthly principal and interest payment would be $321.88
Click here for a home equity loan application check list.
Click Here to Apply Online

Home Mortgage Loans
Here are some of the highlights to our mortgage loan program:

We have long term conventional fixed rate loans up to 30 years.
Competitive rates that are subject to change daily.
Terms, for example, on a loan amount of $200,000 with an APR of 5.133% and a term of 360 months, the monthly principal and interest payment would be $1,073.65.
Home mortgage loans are available at our Strickland branch location.
Click here for a home mortgage loan application check list.

Other Loans Available
Personal Signature Loans
Home Improvement Loans
Land Loans
New and Used Boat Loans
New and Used Recreational Vehicle Loans
Motorcycle Loans
Golf Cart Loans
All Terrain Vehicle Loans
New and Used Stock Trailer Loans
New and Used Tractor Loans
Mobile Home Loans
Vacation Loans
Furniture and Appliance Loans
Share Loans
Term Share Certificate Loans
Stock Loans
Education Loans

Loan Payment Calculators

Click here to apply online and receive an instant decision. Click here for an online listing of our current rates, as well as helpful calculators to determine your monthly loan payments.

All loans available to members only and are subject to credit approval

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Federally Insured by NCUA

SABINE FEDERAL CREDIT UNION
1939 Strickland Drive
P.O. Box 3000
Orange, Texas 77630
409-988-1300 or 1-888-319-SFCU