Our professional and experienced consumer and mortgage lenders can provide financing solutions to meet all your personal loan needs. We offer a variety of loan and line of credit options, and are focused on providing quick responses and efficient processing of your loan request.

How to Apply
To start the application process, stop in or call the nearest First Federal branch location.

Home Equity Loans and Lines of Credit
Use the equity in your home to borrow for any purpose: a car, boat, recreation vehicle, college expenses, vacation, home improvements, or debt consolidation. We offer both fixed and variable rates and a variety of repayment terms designed to meet your needs. Our convenient home equity lines of credit allow you quick and easy access to funds whenever you need them, whatever the reason. And, unlike other personal loans or credit cards, interest paid on home equity loans may be tax deductible. Consult your tax advisor.

Home Mortgage Loans
When you need a loan for the purchase or refinance of your primary residence, a second home, or a real estate investment property, our home mortgage loan experts have a variety of loan programs to meet your needs.

• 15, 20, and 30 year fixed rate conventional loans
• Government loans, including 1st Time Homebuyer loans
• Adjustable Rate Mortgages (ARMs)
• Jumbo mortgage loans
• Interest only loans
• Low-to-no down payment home loans
• Balloon loans
• Lot loans

Construction Loans
When planning to build a home, our construction loan experts will help you every step of the way. Come in for pre-approval on a long term mortgage for your peace of mind before you start building. When you finance both your construction loan and long term mortgage with us, we are often able to give you added savings on closing costs. Our bankers also assist you with monitoring the costs and disbursements during the construction process. Make your dream of a new home become a reality.

Personal Loans and Lines of Credit
Personal loans and lines of credit are available to meet a variety of borrowing needs. Whether you are purchasing a new or used car, boat, recreational vehicle, or borrowing for a vacation, we can tailor a loan or line of credit to suit your individual needs.

Overdraft Protection Lines of Credit
Enjoy the convenience of our Checking Reserve Line of Credit to protect your account from overdraft activity. This convenient line of credit is there for you when you need it, and helps avoid the expense and embarrassment of a returned check.

Personal Credit Cards
We offer our customers competitive personal credit card account options, including no annual fee, rewards, and student cards. Call or visit your nearest First Federal branch location to find out how easy it is to apply for a credit card account. If you already have an established a credit card account through our bank, you may access your account information and make payments online by visiting Credit Card Services.

• All personal loans and lines of credit are subject to First Federal underwriting guidelines and approval. Rates and terms may vary. See a banker for details.
• Credit card applications are subject to underwriting guidelines. All applications are submitted to a third party credit card partner for approval. Rates and terms may vary. See a banker for details.