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Ensuring Effective Communication for Individuals with Disabilities

Routing Number: 211180133


Equal Housing Lender   Verified by Visa
Federally Insured by NCUA

360 Federal Credit Union

360 Federal Credit Union
Mobile Applications
Consumer Loans
Savings Secured Loan
A great way to establish credit.
Finance up to 100% of the purchase price of a new or used car, truck, van, SUV, motorcycle, boat, RV, camper, jet ski, ATV or snowmobile! (depending on the model year; including title, tax, tags and extended warranty ). See chart below.
Unsecured Personal Loans and Lines of Credit
Use the proceeds for whatever you want.
Auto & Secured Loans
Great rates for new or used vehicles.
  •  Extended terms up to 84 months on a new vehicle or 60 months used vehicles
  •  Pre-approve and shop like a cash buyer
  •  Refinance an existing vehicle loan you have elsewhere1
  •  Consider purchasing GAP Protection to protect your investment
Fast closing with no fees, choose from our fixed rate and term signature loans or our signature line of credit. Use the money for any purpose like college tuition, an exotic trip or a room make-over.

Anything Loan
  •  Borrow between $500 - $20,000
  •  Low fixed rate loan with terms up to five (5) years

Debt Consolidation

  •  Borrow up to $15,000 at a low fixed rate
  •  Low fixed rate loan with terms up to five (5) years
  •  Proceeds must be paid directly to another creditor

Signature Line of Credit

  •  Borrow up to $10,000 at a low fixed rate
  •  Link to your checking for overdraft protection
  •  Get advances of $100 or more when you need it

Use your 360FCU savings or share certificate account for collateral while still earning dividends. No credit qualification required. Borrow up to balance in account.

New & Used Auto Loan Rates
Rates as of: 7/17/2017
Up to 10 Years Old
    100% Financing Available
Over 10 Years Old
    85% Financing Available
Up To 36 months
37 - 48 months
49 - 60 months
61 - 72 months
Not Available
73 - 84 months
(current model year)
Not Available

Payment Example: On a 60 month new auto loan (with Auto-pay), $30,000 purchase price at 2.24%, your monthly P&I payment would be approximately $528.99.

1) If you refinance an existing 360FCU consumer loan, a fee may apply.

2) APR = Annual Percentage Rate. Rates are effective as of the date shown and are subject to change without notice. Except for lines of credit, education refinance and savings secured loans the Annual Percentage Rate includes a 0.25% rate discount with Auto-Pay from a 360 Federal Credit Union Account. If the Auto-Pay is not set-up or removed from the account your rate will increase by 0.25%. Rates listed are based on our credit grade "A". Your actual rate may differ depending on your individual credit score and term.

3) The payment reduction may come from a lower interest rate, a longer loan term or a combination of both. By extending the loan term you may pay more in interest over the life of the loan.

4) Prime is currently at 4.00%

5) Rates are based on credit grade "A". Your actual rate may vary depending on your individual credit score.

6) 7 year term line of credit. Minimum line amount of $3,000 and max line amount of $25,000. Initial draw period is the first 2 years from closing date followed by a 5 year repayment period. No other withdrawals will be permitted after the draw period ends. During the draw period interest only payments are required. Your payments during the repayment period will increase as your payment will now include principal and interest. Your principal and interest payments will be based on the remaining balance withdrawn. The minimum credit advance you may obtain with any withdrawal from your term line of credit is $100.00.

7) Term for loans greater than $25,000.

All loans and credit lines are subject to credit approval, except the savings secured loan.
Membership eligibility required. Ask for details.

Personal Loan Rates
Rates as of: 7/17/2017
Signature Up To 36 months
$500 Minimum Loan Amount
Signature 37 - 60 months
Debt Consolidated Up To 36 months
$500 Minimum Loan Amount
Debt Consolidated 37 - 60 months

Payment Example: On a 3 year Personal Loan (with Auto-pay), borrowing $15,000 at 8.74%, your monthly P&I payment would be approximately $475.18.

Rates as of:
Up To 60 months
Loan interest rate is 2.00% above the last declared rate of the product securing the loan.
See your statement for actual rate.
Savings Secured Loan Rate
Student Loan Options

Sallie Mae's Smart Option Student Loan
For college expenses not covered by scholarships and federal loans, 360FCU has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Apply and learn more details.
Signature LOC/Overdraft Protection Rate
Rates as of: 7/17/2017
Revolving Credit Line
Borrow Up To $10,000
Education Consolidation Loans
Our NEW Education Consolidation Loan may lower your monthly payment3.
With a 360FCU Education Consolidation Loan, you may be able to combine multiple loans with multiple payments into one loan with a single payment, or refinance a single loan.
  •  Consolidate both federal and private student loans
  •  Lower your monthly payments or reduce your interest rate
  •  Rates as low as prime4 + 1% for eligible applicants5
  •  No prepayment penalty
Already have an Education Consolidation Loan in process? Contact our specialists at (717) 254-2372 if you have questions or to check on the status of your loan application.
Personal and
Lines of Credit
Savings Secured
Line of Credit
Term Line of Credit
Borrow what you need when you need it!
  •  8.00% APR2,6
  •  Borrow between $3,000 - $25,000
  •  Use it as you need it for the first 2 years.6
  •  Low interest rates
  •  No application fees
  •  Interest only payments for the first 2 years
  •  5 year repayment after draw
  •  Easy access to funds, transfer to your checking anytime via Web24 or Mobile
Because life happens. Our term loan fits your needs for ANY reason!
  •  Adoption Services
  •  Auto Repairs
  •  Cosmetic Surgery
  •  Dentistry/Orthodontics
  •  Education
  •  Fertility Treatments
  •  Funerals
  •  Hearing Aids
  •  Heating/AC
  •  Home Improvements
  •  Honeymoon
  •  Investments
  •  Jewelry
  •  Newborn
  •  Vacations
  •  Veterinary Care
  •  Weddings
  •  Or anything else!
Miscellaneous Secured
    ATV's, personal watercrafts, snow mobiles
  •  Up to 60 months 6.74% APR2
  •  61 - 84 months 7.74% APR2
    Boats, RV's
  •  Up to 60 months 6.74% APR2
  •  61 - 84 months 7.74% APR2
  •  85 - 120 months7 8.74% APR2
Payment Example: On an 84 month Miscellaneous Secured Loan (with Auto-pay), $30,000 purchase price at 7.74%, your monthly P&I payment would be approximately $463.71.