At a glance
From its website, read 2 Nov 2026Faith Community United Credit Union is a credit union based in Cleveland, Ohio. Its website describes auto loans, commercial real estate loans, equipment loans and 5 other loan types. Stated loan amounts run from $15,000 to $400,000. Consumer loan APRs stated on its site range from 5.625% to 11.99%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.faithcommcu.com |
| Office (official list) | 3550 East 93rd Street, Cleveland, OH 44105 |
What their website says about applying
With our online loan application, you will have a loan decision within minutes.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 5.625% APR | As low as 5.625% APR Fixed | source |
| Personal / consumer loans | Rate: from 11.99% APR | As low as 11.99% APR Fixed | source |
| Auto / vehicle loans | Term: see their wording | Vehicles up to 4 years old needing a loan amount of $25,000.00 and more get terms up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 407494 |
| Address | 3550 East 93rd Street, Cleveland, OH 44105 Directions (Google Maps) |
| Website | www.faithcommcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The home page emergency loan mention is tied to covid-19 and was omitted; the pages state no service area or borrower focus. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you are buying or refinancing a vehicle, FCUCU has the loan rates, terms and vehicle protection products to make your new vehicle dreams a reality. | source |
| Commercial real estate loans | — | Commercial Real Estate Mortgages | source |
| Equipment loans | — | Equipment Loans | source |
| Home repair / improvement loans | — | Home Equity/Home Improvement Loan | source |
| Home mortgages | $15,000 – $400,000 | Faith Community United has real estate loan products for purchasing a home, refinancing a mortgage, using the equity in your home, or purchasing residential investment properties, and we specialize in making mortgage loans from $15,000.00 to $400,000.00. | source |
| Personal / consumer loans | — | FCUCU offers a broad range of personal loans including: | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | FCUCU is a SBA Guaranteed Lender | source |
| Small-business loans | — | FCUCU is a SBA Guaranteed Lender and is dedicated to helping members who have small or start-up businesses. | source |
Loan sizes
we specialize in making mortgage loans from $15,000.00 to $400,000.00.
sourceWe take pride in being one of the few institutions in Cuyahoga County that make 1st Mortgage Loans for < $50,000.00.
sourceWe make business loans for non-commercial vehicles, 10 years old and newer, with loan amounts less than $50,000.00.
source
Range used for the size filter: $15,000 to $400,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. With our online loan application, you will have a loan decision within minutes.
source
Pages read (7)
- https://www.faithcommcu.com/
- https://www.faithcommcu.com/rates/auto-loan-rates
- https://www.faithcommcu.com/products-and-services/auto-and-motor-vehicle-loans
- https://www.faithcommcu.com/rates/loan-rates
- https://www.faithcommcu.com/products-and-services/loan-services
- https://www.faithcommcu.com/products-and-services/home-mortgage
- https://multipayweb.link2gov.com/FCUFinancial
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.6 million in 4 awards from the U.S. Treasury's CDFI Fund, 1996–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 1996 | CDFI Program, Financial Assistance | $350,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FAITH COMMUNITY UNITED (charter 96706). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $14.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,995 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Ohio (1 office)
- Cuyahoga County (1): 3550 E 93rd St, Cleveland 44105 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Faith Community United Credit Union (NCUA charter 96706, filed as “FAITH COMMUNITY UNITED”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $5.9 million, 1,056 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 8.5% from $6.5 million on 30 Jun 2025 |
| Members | 3,995 (as of 30 Jun 2026); 4,368 (as of 30 Jun 2025) |
| Loans per member | $1,480 (total loans divided by members, 30 Jun 2026) |
| Total assets | $14.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $198,599 | 3.4% |
| Used vehicle loans | $1.2 million | 21.0% |
| First-lien home mortgages (1-4 family) | $2.3 million | 39.1% |
| Commercial (business) loans | $323,326 | 5.5% |
| Credit cards | $161,561 | 2.7% |
| Other unsecured loans | $1.4 million | 23.6% |
| Leases and other secured loans | $283,441 | 4.8% |
None reported on the 30 Jun 2026 report: other real estate loans (junior liens, other).
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $400,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 84% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $14.2 million | Larger than 9% of the 11 other certified credit unions in Ohio (median $365.7 million). |
| Loans as a share of assets | 42% | Median of the same 11 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $6.5 million → $5.9 million (-8%) | Median change of 11 other certified credit unions in Ohio: +1%. Rank by loans held among these 12: 11 → 11. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 84% |
| Call Report total assets | other certified credit unions in Ohio | 11 | larger than 9% |
| Loans held then vs now | certified credit unions in Ohio reporting both dates | 11 | rank 11 → 11 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Personal / consumer loans (this lender states from 11.99%): New Horizon Federal Credit Union from 11.00% (30 mi, read 3 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Cleveland and Ohio
- AMISTAD REDEVELOPMENT CORPORATIONLoan fund · Cleveland, OHOfficial list only
- CHN Housing CapitalLoan fund · Cleveland, OHOfficial list only
- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
- Village Capital CorporationLoan fund · Cleveland, OHOfficial list only
Work at Faith Community United Credit Union? Link to this page
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