Certified Federal Credit Union

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Special OfferS

Memorial Day Offer
May 18-June 2

Drive Happy with a Lower Auto Rate


Celebrate Memorial Weekend with a new ride, a great auto loan, and a $100 gift card to enjoy along the way!

Limited-Time Auto Loan Offer May 18 – June 2****

      • Get a $100 Visa Gift Card when you fund a qualifying auto loan during the promotion
      • Valid for new and used vehicles, including refinanced loans from other lenders
      • Save time and money with Auto Expert, our complimentary car-buying service

Apply Now

$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

 

Apply Now

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

 

Apply Now

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

 

Apply Now
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
****Offer valid from 5/18/2026 through 6/2/2026. Minimum loan amount of $15,000 required. Vehicle must be 12 model years or newer with fewer than 175,000 miles. Existing Certified Federal auto loans are not eligible for refinance. Member must be in good standing. Offer cannot be combined with any other promotion. Gift card mailed within 30 days of funded loan. Subject to credit approval.