Fresh Start Program

  • Provides you the tools to help manage your account wisely and build a history of responsible money management.
  • Allows you to get into a vehicle while rebuilding your credit
  • Payday Loan Alternative with loan amounts of $500-$1,000 with longer terms from 6-12 months.
  • Face-to-face closing with credit counseling

Fresh Start Checking

We all make mistakes. At Focus Federal Credit Union we’ve created Fresh Start Checking. Perhaps you’ve had a difficult time and run into some problems with your finances. Fresh Start is an affordable option that provides you with the tools to help you manage your account wisely and build a history of responsible money management.

After six consecutive months of no NSF fees and upon your request, we will convert your account to a Focus FCU checking account of your choice.

Fresh Start Personal Loan

Fresh Start Personal Loans from Focus FCU are designed to help build credit while building your savings. When approved, you will get the option of either $500 or $1,000 loan. Half of the loan amount will be placed on hold in the member’s savings account during the payback period. You’ll earn share dividends while the loan is in repayment. Once the loan is repaid in full, the funds are released.

  • 6 months verifiable employment history required
  • 2 recent pay stubs required
  • Payroll deduction and automatic payment options
  • 2 emergency contacts required
  • Loan amounts of $500 or $1,000
  • Payday loan alternative
  • Terms from 6 to 12 months
  • Face-to-face loan closing with credit counseling
  • Establish your savings account
  • Build a better credit score
  • Increase your ability to borrow at lower interest rates in the future
  • Help you meet your financial needs today and tomorrow

Fresh Start Auto Loan

We understand that everyone’s story is different. Life happens and sometimes bad things happen to good people. Unlike other financial institutions, we listen to your story and find you an auto loan that fits your unique situation. Introducing Focus Federal Credit Union’s Fresh Start Auto Loan Program designed to help purchase or refinance your vehicle while helping you rebuild your credit.

If you meet the following qualifications, we can help:

  • Loan amounts up to $22,0000 or 50% of your annual income, whichever is less
  • 6 months of verifiable income- 2 recent paystubs
  • The maximum age of collateral is 9 years old
  • Terms up to 6 months

About the Program

Our Fresh Start Auto Loan will help you finance a vehicle with peace of mind by doing the following;

  • Carfax report to verify the vehicle’s history
  • Credit Counseling to help rebuild your credit
  • Budgeting assistance to make sure you can comfortably afford your payments