Loan Rates

Firefly CU home loans are available for properties in Minnesota, Georgia, Wisconsin, Tennessee, Florida, Mississippi and Arizona.

Mortgage

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

Rates in effect as of February 18, 2019 and are subject to change without notice

Fixed-Rate Home Equity

APR as low as based on LTV
Effective January 28, 2019

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 typically range from $0 to $350 (does not include the cost of an appraisal if required). Property insurance is required.

Home Equity Line of Credit (HELOC)

APR as low as based on LTV
Effective January 28, 2019

Home Equity loans available in select states only. The 4.75% 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 November 1, 2018 the variable APR for lines of credit is 4.75% - 9.00%. The rate is subject to change, but will not exceed 18%. The minimum rate is 4.75%. Closing costs typically range from $0 to $350 (does not include the cost of an appraisal if required). 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 28, 2019

Home Improvement Loan: Maximum loan amount of $10,000 with a minimum of 75% used for home improvement purposes only.

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

NO PAYMENTS FOR 90 DAYS!
Effective January 28, 2019; APR as low as based on model year

Calculate your payment

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 Vehicles

APR as low as based on model year and are shown for initial loan balance of $25,000 or less; ask for more details.
Effective January 28, 2019
Click here to calculate your payment

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 28, 2019

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 28, 2019

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 28, 2019

Rates are variable and range from 10.74%-16.74%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 28, 2019

Rates are variable and range from 12.99%-17.49%APR. Up to $25 may be charged for late payment. Up to $25 may be charged for returned payment.

Personal (Secured)

APR as low as
Effective January 28, 2019

Personal (Unsecured)

APR as low as
Effective January 28, 2019

Adoption Loans

APR as low as
Effective January 28, 2019

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.