Loan Rates

Mortgage
Looking for a home loan? For information on mortgages, please contact our mortgage team at (763) 595-4010.

Mortgages are available in select states only. All loans are subject to qualifications. Equal Housing Opportunity.

 

Fixed-Rate Home Equity

APR as low as based on LTV
Effective January 1, 2021

For loans secured by a first lien (First Equity) on the dwelling, the payment amount does not include amounts for taxes and insurance (if applicable), the actual payment obligation will be greater. Rates are merit-based priced and may be higher depending on credit qualifiers and Loan to Value (LTV). Proof of Homeowners Insurance is required. Monthly payments based on payment per $1,000 for rate shown above and maximum term. Home Equity loans available in select states only. Rates may be higher depending on credit qualifiers, loan term and 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. Equal Housing Opportunity.

Home Equity Line of Credit (HELOC)

APR as low as based on LTV
Effective January 1, 2021

HELOC loans available in select states only. The 3.50% 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. The Wall Street Journal Prime on December 25, 2020 was 3.25%. As of January 1, 2021 the variable APR for lines of credit is 3.50% - 7.75%. The rate is subject to change, but will not exceed 18%. The minimum rate is 3.50%. 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. For detailed product information, please view the HELOC4 Early Disclosure. Equal Housing Opportunity.

Home Improvement

APR as low as
Effective January 1, 2021

Rates are merit-based and may be higher depending on term selected and credit qualifiers.

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

NO PAYMENTS FOR 90 DAYS!
Effective January 1, 2021; APR as low as based on model year

Calculate your payment

Rates may be higher depending on credit qualifications, model year and the loan term. 'Monthly Payment' is based on payment per $1,000 for rate shown above and maximum 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.

All loans subject to normal credit approval. Rates and terms subject to change without notice. Contact a Firefly loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans.

Boat & Recreation Vehicles

APR as low as based on model year.
Effective January 1, 2021
Click here to calculate your payment

Rates may be higher depending on credit qualifiers, model year and the loan term. 'Monthly Payment' is based on payment per $1,000 for rate shown above and maximum 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.

Boat & Recreation Vehicle Balloon

APR as low as based on loan balance and amortization; ask for more details.
Effective January 1, 2021

Rates may be higher based on credit qualifiers and amount borrowed. Interest will accrue during first 90 days without payment. 'Monthly Payment' is based on payment per $1,000 for rate shown above and maximum term. After your selected term is complete, your loan will be due in full. 'Balloon Payment' denotes amount due if only the minimum monthly payment is made on loan with rate shown above and maximum term.

Aircraft

Rate based on term; excludes tax, fees, & license
Effective January 1, 2021

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, 2021

Rates are variable and range from 8.49%-14.49%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, 2021

Rates are variable and range from 10.74%-15.24%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, 2021

Rates are variable and range from 8.49%-14.49%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, 2021

Personal (Unsecured)

APR as low as
Effective January 1, 2021

Adoption Loans

APR as low as
Effective January 1, 2021

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.