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Make Those Dreams Come True!

Available now through September 30, 2017, we are offering a Home Equity Fixed Rate Loan as low as 3.24%APR* and FFCCU will cover closing costs up to $500!* You can finance home improvements, consolidate debt, pay for tuition—even use it to take a much needed vacation. You don’t have to be a Firefighter to be a member!

For this offer, there are NO prepayment penalties (provided that you do not close out your account within one year of start date) and the interest may be tax deductible! (Consult a tax professional for details).

Click to APPLY NOW:

Apply for a Home Equity (fixed) Loan

 Or get in touch with us!

SAP2Visit any of our seven branches and a teammate will be happy to talk to you about any of our products.

 

Contact Us

SAP3Ask our Member Contact Center by calling 216.621.4644 or chat with them on line by clicking the red “Live Chat” button on this page.


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Get a free gnome stress ball when you mention how you heard about our Home Equity offer in any branch!

 

 

As of September 15, 2017.
Loan TypeMaximum TermFixed Rate
APR*
Variable Rate
APR*
Home Equity Line of Credit Loan (Variable Rate)7 yr. draw period, 15 year repaymentas low as 4.25%*
Home Equity Loan (Fixed Rate)up to 180 monthsas low as 3.24%**

Still not sure? Use this calculator to estimate how affordable a Home Equity Loan can be:

 

 *Annual Percentage Rate (APR) shown is accurate as of 9/15/17 and is available to well-qualified borrowers for a term up to 60 months and a loan-to-value (LTV) ratio of 80% or less. Rate includes a 0.25% discount for EasyPAY (requires auto pay, enrollment in online banking with e-Statements and direct deposit of at least $200 per month). Not available for the refinance of an existing FFCCU loan, line, or mortgage unless the refinance includes $10,000 or more of new money. Primary residence only. Rate and offer subject to change without notice and cannot be combined with any other offer. Closing costs up to $500 will be waived if application is approved, funds are disbursed by FFCCU, and the loan remains open for a period of 12 months. In many cases, the interest is tax-deductible; please consult your tax advisor. Payment of $180.78/month based on $10,000 loan at 3.24% APR for 60 months. Promotion valid: 6/19/17 – 9/30/17. Accounts are insured up to $250,000.00 by American Share Insurance. This institution is not federally insured by member choice. APR = Annual Percentage Rate. Variable Rate Home Equity Line of Credit (LOC) can reprice monthly and uses Prime Lending Rate as its index plus a margin. Your Rate is determined by your credit history and the Loan to Value (LTV) ratio. Rate floor is 2.00%APR and ceiling is 18.00%APR. 7-year draw period with a 15-year repayment. $10,000 initial advance, $500 minimum subsequent advances. Borrow up to 80% or 90% of home’s equity (appraised value times 80% or 90% less any existing liens), up to $250,000. Fixed Rate Home Equity Loan Rate is determined by the Prime Lending Rate as its index plus a margin, credit history and the number of years loan is financed. Borrow up to 80% or 90% of home’s equity (appraised value times 80% or 90% less any existing liens), up to $250,000. Repayment terms are 60 to 180 months. Call 800-621-4644 for current rates as they are subject to change at any time and without notice. 

 

 

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