Property for Sale

Check out our Property For Sale. We have a variety of vehicles and property up for new ownership.

Guide to Fairbanks


Planning on visiting or moving to Fairbanks? Check out www.fairbanksakusa.com and discover the beauty of Interior Alaska!

Did you know?

You can obtain a free credit report once a year!

Find out more!

: Consumer loans :

• New and used passenger vehicles
  - OAC – 90 days for the first payment

• Apply online for a consumer loan and you will qualify for a discount of .15% off the lobby rate.

• Receive a .10% deduction when automatic payment is setup at loan origination

• Take an additional .25% off, on approved credit, for 2001 passenger vehicles and newer with an estimated combined EPA of 26 MPG or higher.

• New and used snowmachines, ATVs, boat packages and motorhomes

• Revolving credit cards with great benefits, no cash advance fees and 28 day grace period for purchases
  - Visa Platinum with a competitive variable rate as low as 8.99%
  - Visa Classic with a competitive fixed rate as low as 12.49%
  - Visa Share Secured with a competitive fixed rate as low as 12.49%
  - Click here for more information on our credit cards.

See us for for all your financing needs; online, by phone or in any one of our four convenient branches. When you apply for a loan the loan officer who takes your application can make a decision right then. We always have your best interests at heart! Call the Consumer Loan Department at (907) 459-5970 for friendly, personal assistance.

Spirit of Alaska FCU has Consumer Loan products for all your needs and dreams. You may expect same day service and competitive rates. Members may apply at any branch, online or with Loan-by-Phone at (907) 459-5970. Click here to download a Consumer Loan application. To process your application we will need the following support documentation:

• Verification of employment (usually your most recent pay stub will suffice).
• Two years of income tax returns if you are seasonally employed, work on commission, or are self-employed.
• Most recent LES if you are active duty military.

Up to 100% financing available, some restrictions may apply. Optional credit life and disability insurance and GAP Insurance available. A loan processing fee of $25 will be charged per credit report. Loans under $2000 may have substantially higher APR. Contact the Consumor Loan Department for more additional information. (See contact information below)

When it comes to spending money, you have lots of choices.  And at Spirit of Alaska Federal Credit Union our popular new Skip-A-Payment plan gives you even more flexibility!

Skip-A-Payment is a quick, easy way to get cash for any purpose.
Here’s how it works:

• Let us know which Spirit of Alaska loan payment you would like to skip
• Once you are approved, simply skip one month’s payment
• Keep the cash instead!

Skip-A-Payment does not apply to credit cards or some home loans.  Loans must be up to date.  Normal interest charges will continue to accrue, and your skipped payment will be added to the end of your loan term.

It’s your choice – pay your bills as usual, or sign up for Skip-A-Payment and pay for home improvements, vacation expenses, the holidays, a special gift or monthly bills.  Please contact us for complete details.

*OAC- On Approved Credit, does not apply to lines of real estate loans, lines of credit or credit cards

• View Consumer Loan Rates online.
• Print a loan payment coupon.
• Use our FREE online financial calculators.
• Estimate your credit score.
• View your credit report online.
• Value your new or used vehicle with the NADA Guides.
• View our forms.
• Need to verify your insurance coverage with us? Check out imcovered.com

Our routing number is: 325272212

Federal Stafford Student Loans

Spirit of Alaska FCU can help cover your college expenses by administering a Federal Stafford Loan for students. Follow these easy steps to apply with Stafford directly and list us as your preferred Loan Service Provider.

• Start with the Stafford Loan Application
• Enter our Loan Service Provider account number on your online application: 833401
• Submit your Stafford Online Loan Application as directed.
• Contact Member Support for Stafford Loans at 1-800-340-1895.

Why you should use SoAFCU as your Stafford Loan Service Provider:

• Low rates on federal student loans.
• Fast turnaround on your loan application.
• Free telephone access to your loan information.
• Personal assistance that you've come to expect from your credit union

Did you know that credit unions continually score higher than all other financial institutions in consumer satisfaction surveys when it comes to servicing Federal Stafford Loans? It's a fact. Contact us for more info.