$mart Money Moves 

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

Skip a Payment

Take a break from your loan payment and enjoy more what summer has to offer. Whether you are planning a family vacation, a weekend getaway, or simply want a little extra flexibility in your budget, our Skip-a-Pay program helps you keep more cash for the fun stuff.

Free Up Cash!

Available once a year on each qualifying loan**

• Easy, fast application
• No credit impact
• Small $25 processing fee
• Interest will continue to accrue

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

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

Disclosures

**The following loans are eligible for the skip-a payment offer: vehicle, recreation, boat/motorcycle, signature and uniform loans. you are eligible to apply for skip-a-pay once in a calendar year for each loan. If you have multiple loans, you are eligible for the skip-a-pay program. current loans and account(s) must be in good standing to participate. interest continues to accure at the rate applicable to your account. a $25 fee will be charged for each loan deferred, which can be added to the loan being deferred. The skip-a-payment program may extend your loan item by at least one month.

***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. 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 8/31/26. Certified Federal Credit Union is an Equal Housing Lender. Federally insured by NCUA. Important HELOC Disclosure can be viewed by clicking here. NMLS# 403205