Resources and Guides

Resources and Guides

As financial educators, we’re excited to help you take control of your finances, one step at a time.

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What qualifies as an emergency expense

What Qualifies as an Emergency Expense?

June 24, 2021

For many Americans, emergency expenses don’t have a definition. They have an emotion. You know an emergency …

should you keep your emergency fund in a CD?

Should You Keep Your Emergency Fund in a CD?

June 23, 2021

We all get the jist of an emergency fund. You put money aside, ideally enough to cover …

Shocked by debt settlement scam

How to Spot a Debt Settlement Scam

June 22, 2021

Facing mounds of debt brings out the most painful emotions: fear, despair, anxiety. And when you’re stuck …

How poor health is costing your business

Poor Health is Costing Your Business. Here’s What To Do.

June 21, 2021

In case you haven’t noticed, healthcare is expensive, and many employees are choosing to live in poor …

an image of a person wondering if financial benefits can lower employee turnover

Can Financial Benefits Lower Employee Turnover?

June 18, 2021

In the good ol’ days, all you needed was a 401(k) or pension, a health insurance package, …

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Loans under the Stately Credit branded loan program (Stately) are made by First Financial Credit Union (FFCU), an Illinois chartered credit union, NCUA insured. An FFCU membership is required in order to obtain a Stately Credit loan from FFCU. Stately loans are serviced by First Financial Servicing, LLC (FFS).

Stately loan amounts range from $1,000 to $10,000 with loan terms from 6 to 24 months. Loans are generally repaid via a payroll direct deposit. The APR for Stately loans ranges from 12% to 35.99%.

To qualify for the lowest rate, applicant must have a responsible financial history, be employed and paid through a payroll processor and repay via a payroll direct deposit.

Our loans are subject to credit approval and verification. We may gather information about you including, but not limited to, credit bureau information, information for verification of income and of your expenses. We also verify your identity. Income and debt must meet eligibility requirements as established by our underwriting guidelines which is subject to change without notice.

As an example: A 2 year $5,000 loan with a 22.95% simple interest rate and a $25 one time fee has 52 bi-weekly installments of $132 each and an A.P.R. of 23.49%. This example is an estimate only and assumes all payments are made on time.

Stately loans are not currently available in all states and are not currently available to active members of the military and/or their dependents.

By providing your email address and phone number to Stately Credit LLC, you agree that Stately Credit LLC, FFCU, or FFS may use it to communicate with you about debt via email, phone, or text message.

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account with FFCU, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents.

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