Take advantage of these limited time offers!

Get a 1% Cash rebate—up to $500—on your next new or used auto purchase*

Promotion Details

• 1% cash rebate for members who pay 12 consecutive monthly payments for any vehicle financed (excludes internal refinancing). Maximum rebate is $500.
• Add a .50% discount for members who purchase their vehicle through Auto Expert.
• Offer valid 4/1/25 – 6/30/25.

Get a HELOC with a special intro rate of 3.99% APR for the first 6 months**

Promotion Details

• 3.99% APR** good for the first 6 months of the approved loan.
• $75 annual fee waived for the first year.
• Floor rate of 4.5% after intro rate period.
• Offer valid 4/1/25 – 6/30/25.

Get 2X Rewards points when you perform a Balance Transfer to your MORE Rewards Visa card!***

Promotion Details

• Receive 2X rewards points depending on your transfer amount.
• 0% APR*** for the first 6 months.
• Offer valid 4/1/25 – 6/30/25.

Open a new MORE Rewards Visa card and get bonus points!

Promotion Details

• 1,000 bonus Scorecard reward points for new Visa’s opened during the promotional period
• Spend $1,000 – $4,999 in purchases during the first 90 days of account opening and receive 5,000 Scorecard bonus points
• Spend $5,000 + in purchases during the first 90 days of account opening and receive 10,000 Scorecard bonus points.
• Offer valid 4/1/25 – 6/30/25.

Disclaimers
*APR=Annual Percentage Rate. Subject to credit approval. Actual rate based on credit worthiness, term and LTV. Advertised rate is based on Premier FICO score of 750+ with eligible discounts. Rates subject to change without notice. Receive 1% cash back up to $500.00 when you finance or refinance an auto loan with Certified FCU. The cash back bonus amount is based on the amount of the vehicle financed. Minimum eligible financed amount is $10,000.00. Existing auto loans with Certified FCU do not qualify for this offer. Bonus will be deposited into the member share account once 12 months of consecutive payments have been made. Loans paid off within 12 months of disbursement will not receive a cash rebate. Promotional period is April 1, 2025 – June 30, 2025 and vehicle must be financed before the expiration date to be eligible. We reserve the right to terminate this program at any time. Offer not valid in conjunction with any other programs.
**APR=Annual Percentage Rate. All loans subject to approval and satisfactory appraisal. The introductory period begins on the date of account opening. After the 6-month introductory period, the APR on a Home Equity Line of Credit will be a variable rate based on the Wall Street Journal Prime Rate (7.50% as of this publication) plus a margin currently as low as prime rate plus 0.0%. The maximum rate is 16% and the product floor rate is 4.50%. This product has a $75 annual fee waived the first year (some restrictions may apply). Other fees may apply. See our Lending Department for complete details. Offer valid 4/1/25-6/30/25. Introductory loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing Certified Federal, nor are they available as concurrent loan with home purchase. An early closure fee of $400 applies when the account is closed within 3 years of origination. Please consult a tax advisor regarding the deductibility of interest.
Your variable interest rate will increase to the fully indexed rate (rate + margin) after 6 months. After the initial adjustment your rate will never increase or decrease by more than 2.00 percentage points in a year and will never be less than 4.50% APR nor greater than 16.00% APR. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum periodic payment will be established at the time of each advance or change in interest rate; to the amount necessary to fully amortize your then outstanding account balance no later than 180 months from the date of agreement, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, subject to the lesser of $50.00 or your account balance. If your payment is more than 10 days late you will be charged $20. You will pay $400 if you cancel your line of credit (loc) for any reason in the first 3 years. You must carry insurance on the property that secures this plan. Loan amounts $25,000-$500,000 depending on credit score and CLTV (combined loan-to-value). Rates are accurate as of April 1, 2025,
Fixed rate second loans: APR calculation assumes $50,000 loan with 80% combined loan to value, owner-occupied, single family residence with a minimum fico of 660. Programs, rates, terms, and conditions are subject to change. Certified federal credit union is an equal housing lender. NMLS #403205
***APR=Annual Percentage Rate. Promotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions. A transaction fee of 3% charged for all Balance Transfers with a minimum of $5.00. Offer valid for new MORE Rewards Visa Credit Card accounts opened between 4/1/25 and 6/30/25. To qualify for bonus rewards, eligible purchases must be made within 90 days of account opening. Balance transfers and cash advances do not count toward purchase requirements. Bonus rewards will be added to the account after the 90-day period and will be uploaded within 2–4 weeks. Account must be open and in good standing to receive bonus.