Certified Federal Credit Union

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$mart Money Moves for 2026 Quarter 2

Refresh your financial strategy this season with smart solutions built to move you forward.

Dream to Doorstep*

Certified Federal’s Dream Home Loans make it easier to go from house hunting to homeownership sooner than you think. With competitive rates, personalized service, and expert guidance every step of the way, you can move toward your dream home with confidence.

Why Certified Federal?

      • No upfront fees
      • Stress-free process, NO surprises
      • Most competitive rates available
      • Fast closings
      • Your loan stays with us

 

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Refresh Your Finances this Spring with a Signature Loan**

Spring is the perfect time for fresh starts, including your finances. Whether you are covering an unexpected medical expense, upgrading your mobile device, or tackling a home project, our signature loans can help.

Signature loans are based on your signature and credit, so no collateral is required. It’s a simple way to get the funds you need for almost anything, consolidating higher interest debt, paying for college or wedding expenses, planning a vacation, or handling life’s surprises.

Loan Features

  • Borrow up to $50,000
  • Terms up to 60 months
  • No application fees

 

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Give Yourself a Fresh Start with a Home Equity Line of Credit***

Tap into your imagination for that dreamy kitchen or backyard makeover and fall in love with your home all over again. But don’t stop there! Use your home equity line of credit to take a vacation, buy that ATV, or tackle life’s expenses.

Tap in whenever you need it, and pay interest only on what you use. Enjoy the flexibility of having a stash of cash without refinancing your existing mortgage.

Member Benefits:

      • Lower interest rates than credit cards
      • Access funds at any time for anything
      • Home upgrades increase your home’s value
      • Build a stronger financial safety net

 

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Disclosures
*apr = ANNUAL PERCENTAGE RATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. ALL LOANS SUBJECT TO CREDIT APPROVAL. MEMBERSHIP ELIGIBILITY REQUIRED. ADDITIONAL RESTRICTIONS MAY APPLY.
**APR = ANNUAL PERCENTAGE RATE. SUBJECT TO CREDIT APPROVAL. CERTIFIED FEDERAL CREDIT UNION HAS A MANAGED-RISK CREDIT PROGRAM AND RATES VARY BASED ON YOUR INDIVIDUAL FICO SCORE. ADVERTISED RATE IS BASED ON PREMIER FICO SCORE OF 750+. MONTHLY PAYMENT IS $108.33 OR $21.70 PER $1,000 FINANCED AT 10.90% APR FOR 60 MONTHS, WHICHEVER IS GREATER. RATE AND TERMS AS OF APRIL 1, 2026; RATES SUBJECT TO CHANGE WITHOUT NOTICE.
***APR = Annual Percentage Rate. 3.99% FIXED APR IS THE INTRODUCTORY RATE FOR THE FIRST 6 MONTHS. AFTER THE INTRODUCTORY PERIOD, THE RATE WILL ADJUST TO THE CURRENT VARIABLE RATE THEN OFFERED BY CERTIFIED FEDERAL BASED ON PRIME RATE PLUS ANY MARGIN THAT IS APPLICABLE. THE MAXIMUM RATE THIS LOAN CAN ADJUST TO IS 16%. THERE ARE NOT FEES TO START THIS LOAN BUT AN EARLY TERMINATION FEE OF $400 WILL APPLY IF THE LINE OF CREDIT IS CLOSED DURING THE FIRST 3 YEARS. THERE IS A $75 ANNUAL MAINTENANCE FEE STARTING AT THE BEGINNING OF YEAR TWO. RATES ARE SUBJECT TO CHANGE WTIHOUT NOTICE.    intro rate offer expires 3/31/26. Certified Federal Credit Union is an Equal Housing Lender. Federally insured by NCUA. Important HELOC Disclosure can be viewed by clicking here. NMLS# 403205