Fairport Federal Credit Union

  Monday – Thursday: 9am–5pm   Friday: 9am–6pm   Saturday: 9am–noon

  585.223.9151    |      585.425.7253

Fairport Federal Credit Union Checking
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Fairport Federal Credit Union offers a wide variety of loans at affordable rates. Are you looking for your first car, a new car or pickup, a motor home or RV? Are you purchasing or refinancing a home? Do you want to make use of the equity in your home?

Fairport Federal Credit Union is the key.





You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of FFCU. We think our combination of outstanding service, great rates and convenience just can't be beat!! Check out our rates, try different loan scenarios on the loan calculator, then complete the online loan application and submit it to our loan officer. FFCU is able to offer one business day turn around on loan approvals under most circumstances.






Home Equity Programs


Home Equity Lines of Credit provide you with the financial flexibility to use the equity in your home when and how you choose. Interest rates on equity loans are much lower than the rates on regular consumer loans and your interest payments may be tax deductible.* Generous repayment terms allow you to select the payment amount which best fits your budget. FFCU charges NO Application Fee, NO Points, NO Origination Fee, NO Annual Fee and NO fee for inactivity.




PRIME - .30% APR— Credit Lines from $10,000

  • Maximum loan amount: 85% of the appraised value less the existing mortgage balance with a maximum loan of $250,000.
  • 20 Year Term, 5 Year draw period
  • Adjustable monthly, 18% APR lifetime cap


FIXED RATE — Loans from $5,000 - $100,000

  • Maximum loan amount: 85% of the appraised value less the existing mortgage balance with a maximum loan of $100,000.
  • Terms up to 15 years

*You should consult a tax advisor regarding the deductibility of interest and charges for this line of credit.

**Rates and terms are subject to change at any time.

Home Equity Disclosure





Consumer Loans


Any member who is at least 18 years of age may apply for a loan. When you need a loan, we pride ourselves on handling your loan request politely and quickly. Loan repayment may be automatically deducted from your FFCU savings or FFCU checking account on the 28th day of the month. The following consumer loans are an example of our current loan products:


Loan Type Maximum Term Special Conditions
New Auto 72 Months 100% Financing
Used Auto 60 Months 100% NADA value
New Boat 120 Months 100% Financing
Used Auto 120 Months 90% Financing
Personal 48 Months $10,000 limit
Home Improvement 84 Months $20,000 limit


Low Loan Rates and Generous Terms

We are always reviewing our loan rates in order to offer you rates that are priced competitively when compared with other local financial institutions. We encourage our members to compare our rates with those of other lenders. We try to offer repayment terms to our members which are more generous than those of our competitors.


Simple Paperwork and Fast Action on Loan Requests

The application process is fast and easy. Whether you apply by mail, fax, internet or in person, we will, in most cases, be able to give you a decision in 24 hours. If you are shopping for a new or used automobile, you can have your loan pre-approved. That way, once you have made your decision, the loan can be ready for you that same day.

Good credit is built through the wise use of your ability to borrow for worthwhile purposes. Whatever your borrowing needs may be, FFCU has low interest rates and quick approvals. Let us finance your next auto, boat, vacation, or other special purchase.



Additionally, we offer:


  • New & Used Vehicle Loans
  • Classic Vehicle Loans
  • Motorcycle loans
  • Personal Loans
  • Share Certificate Secured
  • Overdraft Loans of Credit
  • Credit Life Insurance
  • Boat & RV Loans
  • ATV Loans
  • Lawn & Garden Tractor Loans


Member's Choice Credit Disability and Credit life Insruance is a way to help protect your loan. Find out more here.


Please feel free to contact us online or call our office at (585) 223-9151 if you have any questions.