Now is the time to take advantage of the low interest rates on a Home Equity Line of Credit! 

Getting ready to do a little remodeling? A Home Equity Line of Credit (HELOC) is a great way to get those changes funded at a lower interest rate than say a credit card and may even be a tax write off*.


  • 90% Loan-to-Value with a maximum amount of up to $100,000
  • 80% Loan-to-Value with a maximum amount of up to $500,000
  • No closing costs
  • Owner occupied properties
  • 5% Interest Rate Floor
  • 2% Annual Cap; 16% max lifetime annual percentage rate
  • Review period – 6 months
  • Tied to Wall Street Journal prime rate margin 1.00%

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*Consult a tax advisor regarding the deductibility of interest.

Variable Annual Percentage Rate (APR) equal to The Wall Street Journal Prime Rate currently 5.00% and a maximum APR of 16.00%. Not all borrowers receive the lowest rate. APR will depend on a variety of factors, including term of loan, a responsible financial history, income and other conditions. Maximum of $100,000 up to 90% Combined Loan to Value (CLTV) (with credit score above 720); Maximum of $50,000 up to 90% CLTV (with credit score above 680). To qualify, a borrower must be a U.S. citizen or permanent resident and meet Firefighters First Credit Union underwriting requirements. Minimum Home Equity Line of Credit amount is $10,000. Non—owner occupied properties are not eligible. There are no fees for opening the plan. Refinance of an existing HELOC originated within two years will be subject to full closing costs. Terms and Conditions Apply. FIREFIGHTERS FIRST CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Mortgages available in Arizona, California, Colorado, Hawaii (1st TD only), Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st TD only), Utah and Washington. This information is current as of 5/1/19, and is subject to change. NMLS #649058.

Mortgages available in Arizona, California, Colorado, Hawaii (1st TD only), Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st TD only), Utah and Washington.

Sign Up for Online Banking

Ready to sign up for OnLine Banking? Follow these instructions or give us a call at 800.231.1626

  • Log in to Online Banking at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.
  • Confirm personal account information and accept the disclosure agreement.
  • Create a secure Username and Password for OnLine Banking.
  • Verify your identity by receiving and entering your One Time Passcode.
  • Select "Yes, register my private computer" if you are using a private home computer, or "No, this is a public computer" if using a public or shared computer (work, library, internet café).
  • Keep your personal User Name and Password private and confidential for future use.

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Still having trouble accessing online banking? Give us a call at 800.231.1626.


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