Our Gift To You
Firefighters First Credit Union is making your holiday dreams come true with our exclusive limited-time rates. Whether you're looking to hit the road, the trails, or the slopes—or find your dream home—we’ve got you covered.
Adventure Loans1
Hit the Trails or Slopes with Rates Starting at 4.49% APR*
- Perfect for ATVs, dirt bikes, and snowmobiles.
- Flexible terms: Up to 60 months.
- Act Fast: Offer ends December 31st.
Home Loans2
Your Dream Home Awaits with Adjustable Rates as low as 5.99% (6.358% APR* for purchases, and 6.301% APR* for refinances).
- Flexible 5/5 and 7/1 ARM options for your lifestyle.
- Enjoy low initial rates with caps on future adjustments.
- Secure your dream home today—this offer ends January 31st.
Auto Loans3
Drive into the Holidays with Rates Starting at 4.99% APR*
- Flexible terms: 60, 72, and 84 months.
- Affordable payments: Get a great deal on new or used vehicles.
- Limited-Time Offer: Apply by December 31st to lock in this rate.
Don’t Wait—Apply Today!
These holiday specials won’t last long! Take the next step toward your holiday goals.
- Call us at 800-231-1626 to learn more.
- Visit your local branch
*APR = Annual Percentage Rate.
1Based on credit worthiness. Offer valid to qualifying members only. This offer cannot be combined with any other offers. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call us at 800-231-1626. This offer ends December 31, 2024.
Representative Example: A $20,000 ATV, Dirt Bike or Snowmobile loan financed at 4.49% APR for 60 months would result in 60 payments of $373.42.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.
2NMLS ID #649058. Mortgages available in all 50 states.
ARM = Adjustable Rate Mortgage.
All loans are subject to credit approval and are subject to the Credit Union policies and procedures.
5/5 adjustable rate mortgage payment example for a purchase: This is a fixed rate loan for the first 5 years then the rate adjusts and is fixed for another 5 years. Adjustments only occur every 5 years with a maturity in 30 years. For a $400,000 loan with a start rate of 5.99% Rate, 6.358% APR (Annual Percentage Rate), for the first 60 months, your estimated fixed payment would be $2,395.63. Your first adjustment will occur at the 61st month. Your rate will be no more than 7.99% with an estimated fixed payment of $2,870.01 for 60 months. Your second adjustment will occur at the 121st month. Your rate will be no more than 9.99% with an estimated fixed payment of $3,311.40. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 10.99%, with an estimated maximum payment of $3,502.49. Index rate for the Five-Year Treasury Constant Maturity is 4.31%. Taxes and insurance premiums are not included in the payment and that the actual payment obligation may be greater. Rates are subject to change without prior notice. This offer ends January 31, 2025.
For a refinance the APR will be 6.301% for the first 60 months, your estimated payment would be $2,395.63.
7/1 adjustable rate mortgage payment example for a purchase: This is a fixed rate loan for the first 7 years then the rate adjusts every year thereafter with a maturity in 30 years. For a $400,000 loan, with a 5.99% Rate, 6.358% APR, for the first 84 months, your estimated payment would be $2,395.63. Your first adjustment will occur at the 85th month. Your rate will be no more than 7.99% with an estimated fixed payment of $2,842.16. Future adjustments of no more than 2% adjust every 12 months. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 10.99%, with an estimated maximum payment of $3,544.99. Index rate for the One-Year Treasury Constant Maturity is 4.35%. Taxes and insurance premiums are not included in the payment and that the actual payment obligation may be greater. Rates are subject to change without prior notice. This offer ends January 31, 2025.
For a refinance the APR will be 6.301% for the first 84 months, your estimated payment would be $2,395.63.
3Based on credit worthiness. Available for New and Used Auto loans. Offer valid to qualifying members only. This offer cannot be combined with any other offers. Loan rates are based on term and applicant credit history. Promotional rates valid for terms of 60, 72 and 84 months only. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call us at 800-231-1626. This offer ends December 31, 2024.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.
Representative Example: A $25,000 auto loan financed at 4.99% APR for 60 months would result in 60 payments of $472.58. Excludes business auto loans.
Representative Example: A $25,000 auto loan financed at 4.99% APR for 72 months would result in 72 payments of $403.29. Excludes business auto loans.
Representative Example: A $25,000 auto loan financed at 4.99% APR for 84 months would result in 84 payments of $353.92. Excludes business auto loans.