Loans


FFFCU offers the following consumer loans:

Personal Loans

  • New and Used Car Loans

  • Share Secured Loans

  • Home/Vacation Home Improvement Loans

  • VISA Credit & Debit Cards

  • Recreational Vehicle Loans

  • Overdraft Protection Loans

 

More Personal Loan Information

link to auto and RV loan info and rates

Home/Mortgage Loans

  • Traditional 30 Year Mortgage

  • Traditional 15 Year Mortgage

  • Short Term In-House Mortgages – 5, 7, 10, 12 and 15 Year Mortgages

  • Home Equity Line of Credit

  • Fixed Rate 2nd Mortgages – 5, 7, 10, 12 and 15 Year Mortgages

For information on Home Loans and current Mortgage Loan Rates please call a Loan Officer at 801-364-5717 (Toll Free at 888-574-2219).

 

Apply for a Loan Here

Applying for a loan has never been easier! Just enter your information into our secure loan application and you’re on your way. Select your loan type from the links below to get started.

Auto Loans

Recreational Vehicle Loans

Debt Consolidation Loans

VISA Credit Cards

Special 12-Month Personal Loans

Other Personal Loans

Auto, RV, Boat and Motorcycle** Loans

FICO Score
APR* - Up to 60 monthsAPR - Up to 72 monthsAPR - Up to 84 monthsAPR - 8, 9, 10 years
730+ Special thru Sept. 2.99%
730 +3.49%3.74%4.24%4.64%
700+3.70%3.99%4.45%4.95%
670+4.29%4.79%6.80%6.80%
640+5.54%7.54%8.30%8.30%
600+7.54%9.80%10.80%10.80%
550+10.54%n/an/an/a
549 or less16.54%n/an/an/a
Motorcycles<750cc, ATVs, Snowmobiles, Personal Watercraft, Horse Trailers.above rates +2%
* Annual Percentage Rate. Rates listed as of July 1, 2018. Loans are subject to credit approval. The minimum monthly payment for a loan with a 3.49% APR and a 60 month term is $18.19 per $1000. Membership required-based on eligibility.
** Motorcycles 750cc or >

VISA Cards and Personal Loans

Loan Type
Loan AmountAPR*
Signature LoanUp to 60 Months8.95%
Share SecuredUp to 60 Months3.00% over share rate
Term Share Certificate SecuredUp to certificate term3.00% over certificate rate
Visa PlatinumOpen-End9.50%
*Annual Percentage Rate. Rates listed as of October 1, 2018. Loans are subject to credit approval. The minimum monthly payment for a personal loan with a 9.00% APR and a 36 month term is $31.80 per $1000. Membership required-based on eligibility.

1st Mortgage Loan Rates*

Term
1/2 pt origination feeLoan AmountNo fee
5 year3.54% APR*3.90% APR
7 year3.80% APR4.15% APR
10 year4.05% APR4.40% APR
12 year4.20% APR4.55% APR
15 year4.30% APR4.65% APR
20 yearCall for Current Rates
30 yearCall for Current Rates
* Annual Percentage Rate. Loans are subject to credit approval. Equal Housing Lender. Membership required-based on eligibility. The minimum monthly payment for a loan with a 4.30% APR and 15 year term is $7.55 per $1000 borrowed. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculator for specific examples. Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy with regards to your individual circumstances.
Rates are as of July 1, 2018. Rates are based on an 80% LTV (Loan to Value), on approved credit and for members with a credit score of 730 or higher. Loans are available on higher LTVs and lower credit scores at a higher rate. 20 and 30 year terms are available but rates change daily. Please call for the current rates.

Home Equity/2nd Mortgage Loan Rates

Type
TermAPR
Home Equity Line
80% LTVVariable Rate4.90%
90% LTVVariable Rate5.90%
100% LTVVariable Rate6.90%
Home Equity Loan
80% LTVup to 5 Yearsas low as 3.90%
90% LTVup to 5 Yearsas low as 6.35%
100% LTVup to 5 Yearsas low as 7.40%
80% LTVup to 10 Yearsas low as 4.65%
100% LTVup to 10 Yearsas low as 8.35%
80% LTVup to 15 yearsas low as 5.39%
90% LTVup to 15 yearsas low as 8.35%
100% LTVup to 15 yearsas low as 9.35%
* Annual Percentage Rate. Rates and terms are based on credit worthiness, loan-to-value (LTV), occupancy, loan purpose and loan amount, so your rate and terms may differ. Up to 100% LTV financing is available on single family detached residences, and it is based on credit worthiness. All rates and terms quoted apply to properties that are occupied by the borrower.
Home Equity Lines – Fees, generally ranging from $50 to $1000 may be incurred depending on loan amount and loan-to-value (LTV). Maximum APR on variable rate is 18%.
Mortgage Rates as of July 1, 2018. Other rates & terms available, call for details.