Reverse Mortgage

Good news for seniors. With our Senior Equity Access program, you can use the equity in your home to supplement your income. Use the funds for day-to-day living expenses, home repairs, or emergency cash.


  • 20 year term
  • 65% LTV maximum
  • Primary residence only
  • Minimum loan amount - $50,000; Maximum loan amount $200,000
  • No monthly payments required
  • 4% interest rate floor
  • 2% annual cap - 6% lifetime cap; not to exceed 16%
  • Review period - every 6 months
  • 1 point origination fee


As each situation is unique, please contact a Real Estate Loan Consultant for personal assistance at (800) 231-1626.

Sign Up for Online Banking

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

  • Log in to FIRE Online 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 FIRE OnLine.
  • 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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