SACFCU is committed to your business’ financial success. We value you and pride ourselves on providing products and services tailored for small business owners.

We offer a variety of business lending options with competitive rates and flexible terms to meet your individual needs, including vehicles, equipment and credit cards. Have a loan with another lender? We offer refinance options.

Here are the things we’ll consider when processing your application:

  • Credit experience and payment history
  • Cash flow and existing credit obligations
  • Current relationship with SACFCU

This information will be obtained from these important documents:

  • Legal business name, address, and phone number
  • Ownership type
  • Date business was first opened
  • Business tax identification or Social Security number
  • Number of owners*
  • Percentage of ownership
  • Net annual income
  • Most recent 2 years personal and business tax returns
  • Year to date financial statements

*Each owner with 20% or more interest must be included in the loan application and listed as a guarantor.

Ready to apply? To submit an application for a business credit card, a vehicle or equipment loan, including refinances, visit our Digital Business Lending Center (DBLC).
Click Here to Apply

For real estate or line of credit, please contact our Business Lending Specialists for additional information and to apply. Simply email or call the Business Lending Department at 352-588-2732.

Before you borrow, SACFCU recommends you consult with your tax professional or attorney before contacting your lender to determine any tax advantages with your loan.

Business Savings
Our Official Membership Account and It’s Free!
This account provides your business membership into our credit union and access to all of the benefits of a credit union membership. The initial minimum deposit to open is $5.00, and serves as the share of ownership in the credit union. This $5.00 will be placed on hold throughout the life of the membership. Dividends are calculated daily, compounded and credited monthly to the account. There is no monthly service charge.

Business Checking
One account, Two options:
Our First Option is Free!
By maintaining a minimum daily balance of $500.00, your business account will no longer be subject to a monthly service charge or a per item fee.
Our Second Option is a great alternative!
If your business chooses to maintain a daily balance under $500.00, your business will be charged a small monthly service charge of $3.00 and a per check written fee of $0.25. Both accounts offer unlimited check writing and debit transactions. The initial minimum deposit to open is $50.00. Debit Cards are available for checking accounts.

San Antonio Citizens Federal Credit Union has partnered with The Merchant Depot to offer credit card processing options to our members. They offer an array of equipment options and are competitively priced. If you are interested in a price comparison or to begin a new service, please contact your local branch or simply email