Signature Loan - Extra Christmas Savings
Need extra cash for holiday shopping?
Blue Water Federal Credit Union is offering an Extra Christmas Money - Signature Loan to help make the season a little brighter.
$3,000 for 36 months at just 5.00% APR.
This limited-time promotion runs from November 9, 2026 through February 28, 2027.
Stop by, call, or apply today and let us help make your holiday season more affordable.
Membership eligibility required. Membership is available to eligible Federal and Postal employees and their immediate family members.
Contact the credit union or see our website for complete membership eligibility requirements. All loans are subject to credit approval and normal underwriting standards.
Exclusions may apply. Rates are subject to change at any time without notice.
New Member Incentives
Join Blue Water Federal Credit Union & Earn Up To $175 in Bonuses!*
Become a member today and take advantage of our limited-time New Member Incentive! New members who complete qualifying activities may earn up to $175 in bonus rewards* while enjoying the benefits of membership at Blue Water Federal Credit Union.
New Member Rewards:
- $25* bonus - Open a new membership with $100 or more deposited.
- $25* bonus - Enroll in e-Statements.
- $25* bonus - Establish direct deposit within 120 days.
- $100** bonus - Take out a qualifying loan*** within 365 days of joining.
Why Choose Blue Water Federal Credit Union?
- Competitive rates
- No fee checking accounts
- Auto, home, and personal loan options
- Digital banking and mobile access
- Personalized service
- A friendly team that knows you by name
At Blue Water Federal Credit Union, you're more than a customer, you're family. Join a financial institution built with people like you in mind and experience the difference of member-focused banking.
Ready to get started? Join today!
*Bonus will be paid in the month following your 120 days of membership. APY .10% up to $199 and .15% over $200 on savings account. Rates subject to change at any time without notice.
**Bonus will be paid 30 days after loan closing.
***Minimum loan amount of $2,500. Revolving Line of Credit and VISA loans are excluded.
Exclusions may apply.
Annual Skip-A-Payment Program
It's that time of year again! Our Annual Skip-A-Payment program is back to help you with the financial flexibility you need. Take advantage of this opportunity to defer a loan payment and give yourself some extra breathing room during the busy holiday season.
Skip-A-Payment on an existing loan* during the months** of:
December 2026
or
January 2027
or
February 2027
A fee of 10% of the loan payment or a minimum of $10.00 is required for each Skip-A-Payment request before it is processed.
Download the Skip-A-Payment request form by clicking the button below, and return to the credit union for approval by any of the following methods:
- Email: loans@bluewaterfcu.org
- Fax: 810-985-4039
- Mail: 526 Water St Ste 113, Port Huron, MI 48060
*Mortgages, Home Equity, Line of Credit, and VISA loans are not eligible for the Skip-A-Payment program.
**A loan may only be skipped once during the promotion.
Exclusions may apply. Interest will continue to accrue.
Home Equity Loans Special
$0* Closing Cost on Home Equity Loans
Your home's equity could be key to financing large expenses! Whether you are looking to buy a vacation home, pay for home improvements, or just consolidating debt, let us help you make that happen!
5 Year Fixed
7 Year Fixed
10 Year Fixed
15 Year Fixed
30 Year**
Stop in or call 810-985-6371 for an application!
*$0 closing costs apply to new money with a minimum of $10,000.
**30 year must balloon in either 5, 7, 10, or 15 years.
Subject to change. Exclusions may apply.
