The possibilities are endless.

Loan Rates

Enjoy fast approvals, quick closing and
money-saving loan opportunities.

Firefly CU's loans provide the financing you need to achieve your goals while saving you money with competitive rates. Access our fee schedule for additional details.

Mortgage

Apply online or call (800) 842-3302 for more information.

Rates in effect as of January 29, 2020 and are subject to change without notice.
Product Rate APR
1st Mortgage Purchase
30 Year Fixed Rate3.500%3.634%
20 Year Fixed Rate3.250%3.436%
15 Year Fixed Rate3.000%3.238%
10 Year Fixed Rate2.875%3.220%
3 year ARM2.625%4.009%
5 year ARM2.750%3.846%
7 year ARM2.875%3.737%
1st Mortgage Refinances
30 Year Fixed Rate3.500%3.618%
20 Year Fixed Rate3.250%3.414%
15 Year Fixed Rate3.000%3.210%
10 Year Fixed Rate2.875%3.179%
Free in 153.250%3.394%
Free in 103.125%3.333%
3 year ARM2.625%3.993%
5 year ARM2.750%3.831%
7 year ARM2.875%3.721%
1st Mortgage Jumbo's
5 year Jumbo ARM ($510,400+)2.750%4.224%
7 year Jumbo ARM ($510,400+)2.875%4.034%

Mortgages are available for properties in Minnesota, Georgia, Wisconsin, Tennessee, Florida, Mississippi and Arizona. Restrictions may apply to Free-in-10 and Free-in-15 mortgage products.


Fixed-Rate Home Equity

APR as low as based on LTV
Effective January 1, 2020
Term Up to 80% Up to 90%
Up to 5 years 3.99% 4.95%
Up to 10 years 4.89% 6.29%
Up to 15 years 5.39% 6.38%

Home Equity loans available in select states only. Rates may be higher depending on credit qualifiers, loan term and loan to value (LTV). Closing costs vary by state, but typically range from $50 to $1,000 (not including the cost of an appraisal, if required). Typical appraisal cost is $495. Property insurance is required.


Home Equity Line of Credit (HELOC)

APR as low as based on LTV
Effective January 1, 2020
Term Up to 80% Up to 90%
Varies 4.50% 5.25%

Home Equity loans available in select states only. The 4.50% Annual Percentage Rate (APR) is available with qualifying credit and a loan to value (LTV) of 80% or less. Higher rates apply to higher loan to values. The APR will vary based on an index. The index is the Prime Rate as published the 25th day of the month prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal. As of January 1, 2020 the variable APR for lines of credit is 4.50% - 8.50%. The rate is subject to change, but will not exceed 18%. The minimum rate is 4.50%. Closing costs typically range from $50 to $1,000 (not including the cost of an appraisal, if required). Typical appraisal cost is $495. There is an over-the-limit charge of $10. Property insurance is required. For detailed product information, please view the HELOC4 Early Disclosure.


Home Improvement

APR as low as
Effective January 1, 2020
Term APR
Term varies; ask for details 8.99%

Cars, Trucks, SUVs, Vans & Street-legal Motorcycles

NO PAYMENTS FOR 90 DAYS!
Effective January 1, 2020; APR as low as based on model year

Calculate your payment

Term 2016 and newer 2015 and older
0 to 24 months 2.99% 3.59%
25 to 36 months 2.99% 3.59%
37 to 48 months 3.09% 3.69%
49 to 60 months 3.29% 3.94%
61 to 72 months 3.59% 4.94%
73 to 84 months - $25,000+ 3.99% N/A%

Rates may be higher depending on credit qualifications, model year and the loan term. Credit qualifications determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 90 days without payment. Existing Firefly loans can only be refinanced to a lower rate if an additional $2,500 is added to the loan balance.

Recreation Vehicles

APR as low as based on model year.
Effective January 1, 2020
Click here to calculate your payment
Term 2016 and newer 2015 and older
0 to 36 months 4.10% 5.10%
37 to 48 months 4.15% 5.10%
49 to 60 months 4.20% 5.20%
61 to 72 months 4.50% 5.50%
73 to 144 months 5.25% 6.50%

Rates may be higher depending on credit qualifiers, model year and the loan term. Credit qualifiers determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 90 days without payment.


Recreation Vehicle Balloon

APR as low as based on loan balance and amortization; ask for more details.
Effective January 1, 2020
Amortization APR (as low as) Minimum Loan
180 months 4.14% $50,000
240 months 4.39% $100,000

Rates may be higher depending on credit qualifiers, model year and the loan term. Interest will accrue during first 90 days without payment.


Aircraft

Rate based on term; excludes tax, fees, & license
Effective January 1, 2020
Term APR (as low as)
Up to 60 months 6.75%
Up to 120 months 7.10%

Rates may be higher depending on credit qualifiers, model year and the loan term. Credit qualifiers determine eligibility for 100% financing, in some cases a down payment may be required.

Visa Platinum Rewards Credit Card

No annual fees; for detailed information, view Visa® Platinum Rewards Credit Card Agreement
Effective January 1, 2020
Platinum 9.99%

Rates are variable and range from 9.99%-15.99%APR. A transaction fee of up to 1% may be charged for foreign transactions. A fee of up to $25 may be charged for returned payment. A fee of up to $25 may be charged for late payment.

Visa Signature® Credit Card

No annual fees; no foreign transaction fees. For detailed information, view Firefly Visa Signature Credit Card Agreement
Effective January 1, 2020
Visa Signature Credit Card 12.24%

Rates are variable and range from 12.24%-16.74%APR. Up to $25 may be charged for late payment. Up to $25 may be charged for returned payment.


Visa Business Rewards Credit Card

No annual fees; for detailed information, view Visa® Business Rewards Credit Card Agreement
Effective January 1, 2020
Business Rewards Credit Card 9.99%

Rates are variable and range from 9.99%-15.99%APR. A transaction fee of up to 1% may be charged for foreign transactions. A fee of up to $25 may be charged for returned payment. A fee of up to $25 may be charged for late payment.

Personal (Secured)

APR as low as
Effective January 1, 2020
Savings Secured 5.25% Amount of savings limits loan
Certificate Secured 4.00% Amount of certificate limits loan

Personal (Unsecured)

APR as low as
Effective January 1, 2020
Personal Signature 8.99% Term varies; ask for details
ReadyCash Overdraft Protection 14.99% Minimum payment of $20 or 3% of highest balance after last advance

Adoption Loans

APR as low as
Effective January 1, 2020
Adoption Loan 6.49% Term varies; ask for details

Adoption Loan is subject to normal credit approval. Firefly partners with a variety of accredited adoption agencies - contact us for full agency qualification details. Rate based on credit qualifications and subject to change. Maximum 24 months draw period. Adoption Loan is an unsecured line of credit with rates ranging from 6.49%-8.49%APR. Minimum payment of $100 or 1.5% of highest balance after last advance, whichever is greater. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by Firefly and can only be used for approved purposes in relation to the adoption expense. Welcome gift amount is based on loan amount and will be disbursed to adoptive family upon repayment of loan.

All loans subject to normal credit approval. Rates and terms subject to change and may be based on credit qualifiers. Variable rate products will not exceed 18%APR. Contact a Firefly loan officer for details. All rates presented for consumer loans only and not applicable to business loans.

Great Minnesota credit union loan rates.

Firefly CU is here to support your dreams with money-saving rates on loans. We offer full banking services and ATM access for your convenience while helping you open new accounts and loans, apply for mortgages, access wealth management services and strengthen your business with the right solutions.