First and foremost, we hope all our members and their families are safe and recovering well from Hurricane Michael. All FSU Credit Union and Tree Capital Credit Union branches are fully functional and ready to serve our members and community.

We thank you for your patience while we assessed the safety of our team and worked through the complexities of reopening the branches after the necessary closures. And, we appreciate your understanding should we experience any intermittent connectivity issues as we transition back into normal operations.

We are happy to report all members of the FSU Credit Union team are safe, and thanks to the incredible collaboration of this team, who also have families and homes affected by the storm, we were able to open five of seven branches to serve members by last Friday, and all branches the following Monday.

We also extend our gratitude to all first responders and utility personnel who have worked around the clock to rebuild our communities.

We know that, for some, this storm has created financial challenges, and we are here to help any way we can. We are offering the following services in the wake of Hurricane Michael:

Special Skip-A-Pay Options
We will be starting our annual Skip-A-Pay program immediately and this year will be allowing members to skip up to TWO loan payments for October, November, or December. Also, the entire $15 processing fee will be donated to hurricane relief efforts. Standard Skip-A-Pay rules and restrictions apply.* For more information, visit our Skip-A-Pay program page.

Emergency Assistance Loans
Emergency assistance loans are available for qualifying members with same-day funding. Contact us for details. Some restrictions apply.**

Home Equity Loans
Ask us how you can leverage the equity in your home with a home equity line of credit options with no closing costs.***

For more information on these services, please visit one of our seven branch locations, or contact us at,  (850) 224-4960 or toll free at (877) GO-FSUCU (877-463-7828) Monday – Friday from 8:00 A.M. to 6:00 P.M. Eastern Time.

second harvest donation box

Additionally, to help our neighbors in need, our branches are serving as donation drop-off sites for the Second Harvest of the Big Bend. The top items are needed are canned fruits and vegetables, canned meats (tuna, chicken), cereal, hearty soup/stew, and peanut butter. For a complete list of requested donation items, download the Second Harvest Wish List.

As always, we thank you for your membership.


*Your loan and account must be current and not in default to be eligible for this offer. Eligible loans are consumer loans defined by FSU Credit Union (FSUCU) policy with at least six (6) months of payment history excluding real estate loans, credit card loans, business loans, any loan with a balloon payment, and any loan for which have skipped a payment within the past eleven (11) months. Interest shall continue to accrue on the unpaid loan balance during any period of skipped payment at the rate stated in your Loan agreement. All other terms and conditions of the loan will remain the same and regular payments will resume the month or billing cycle immediately following the skipped payment(s). Previously elected credit life and/or disability insurance, such insurance coverage may not be extended beyond any loan’s original maturity date. You may be responsible for any loan payments that exceed the original loan terms of repayment regardless of the purchase of guarantee asset protection (GAP). A FINANCE CHARGE of $15 per loan is required for participation. This fee shall be debited from your FSUCU account. Please contact an FSUCU representative for complete terms and conditions at 850-224-4960 for more details.

**APR = Annual Percentage Rate. Your rate and loan-to-value will be determined after a review of your credit application and term of loan is selected.

***A Home Equity Line-of-Credit has a variable Annual Percentage Rate (APR) with a maximum APR of 18%. Rate determined by Loan-to-Value (LTV) and a review of your credit application; LTV maximum determined after a review of your individual situation. Loan amounts range from $5,000 to $75,000 with a minimum monthly payment of $100. Up to 90% of the value of your home, less first mortgage balance can be used to establish the line. The adjustable index for these loans will be based on the prime interest rate as quoted in the Wall Street Journal two business days prior to the change and adjusted on the 1st business day of each quarter. This index is then adjusted based on members’ risk score. The rate changes shall be made every quarter and payments will change monthly based on the current prime rate and the balance. Rates will not increase or decrease more than 2% annually and 6% over the life of the loan. All HELOC products, conditions and rates also subject to lien positions, property use and location. Typical fees and costs required to open the Home Equity Line-of-Credit are paid by the credit union if your initial withdrawal is at least $5,000. If your loan is satisfied in full within the first year, you must pay back all of the closing costs. If the loan amount is satisfied in full within the second year, you must pay back half of the closings costs. Property insurance is required. Credit standards apply. Mobile homes are excluded. Please contact a credit union representative at 877-GO-FSU-CU for more details. APR= Annual Percentage Rate. You must be eligible for membership and approval for a loan to participate. Loan rates and terms vary depending on your credit score and loan history. Please consult your tax advisor regarding interest deductibility. NMLS # 456949

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