Current Promotions

*Certificate Promotion: Promotion Expires 03/31/2025. **APY=Annual Percentage Yield. All rates and terms are subject to change without notice. Minimum opening deposit to earn advertised rate is $500.00 and a maximum deposit of $100,000.00. Promotional offer only valid using funds not on deposit within the last 30 days at Fitzsimons Federal Credit Union (FFCU). Certificate is subject to penalty for early withdrawals; penalties assessed may reduce earnings and principal. See Truth-In-Savings disclosure for details.7-month certificate will roll over into a 6-month certificate unless other direction is provided prior to maturity. IRA/ESA certificate subject to IRS contribution limits. Consult a tax professional for more information. See Truth-In-Savings Addendum for details. Membership in FFCU is required. Conditions and restrictions may apply. Rate is accurate as of 01/01/2026. FFCU reserves the right to withdraw this offer at any time. Federally insured by NCUA.

*Refer a Friend Promotion: Promotion Expires 03/31/2026 *Offer good for one (1) $100 bonus for new member and one (1) $100 bonus for the referring member. The $100 bonus will be deposited into savings account as dividend bonus and will be reported on IRS Form 1099-INT. The $100 bonus will be deposited after 90 days for both new and referring member. Both new and referring members must be in good standing at the time bonus is distributed. There is no limit to the number of unique account referrals a member can make. A checking account must be opened with at least 5 transactions or loan is required for both members to receive bonus. Fitzsimons Credit Union reserves the right to reclaim bonus if account is closed prior to six months from opening. Cannot be combined with any other offer. Membership is open to anyone who lives, works, worships or attends school in Adams, Arapahoe, or Denver County. Minimum opening deposit is $5. One-time $5 new member fee. Offer does not apply to referring members of the same household. New member must not have had a previous relationship with Fitzsimons Credit Union to receive offer. Certain restrictions may apply. Offer can be revoked at any time. Printed coupon must be presented and completely filled out at our branch to receive offer. Online form must be completely filled out to receive offer. Federally Insured by NCUA.

*Auto Loan Promo: Promotion expires 03/31/2026. **APR = Annual Percentage Rate. Proof of current rate is required. Minimum amount to finance and receive incentive is $7,500. Max loan term is 72 months. Vehicle must be model year 2016 or newer to qualify. Not valid for existing auto loans with Fitzsimons Federal Credit Union (FFCU). 1) Cash incentive will be distributed within 30 days of the loan closing. Maximum of one $300 cash bonus eligible per refinanced loan. Cash is considered a bonus and may be reported on IRS Form1099. Estimated value of bonus is $300. 2) With approved credit; 1% off current APR, floor rate set at 4.99%. 3) 3 months=90 days. Interest begins accruing upon disbursement of loan. Rates as low as 5.24% APR on new or used passenger vehicles. Not valid on RVs, motorcycles, or commercial vehicles. Advertised “as low as” APR assumes excellent credit history, maximum rate discounts and represents up to a 36-month term for a new or used auto. Your actual APR may differ based on your credit score, term, vehicle loan-to-value, age of vehicle, and membership status. This is a no cash out refi offer. Membership is required prior to loan funding. Available rate discounts include existing member discount (6-month minimum), LTV discounts, and term discounts. Rates are current as of 01/01/2026 and subject to change. FFCU reserves the right to withdraw this offer at any time without notice. Federally insured by NCUA.

*Refer a Loan Promotion: Promotion Expires 03/31/2026. Offer valid for one (1) $125 bonus for the new member and one (1) $125 bonus for the referring member. Pending loan approval, the $125 bonus will be deposited into the savings account as a dividend bonus and reported on IRS Form 1099-INT. Bonuses will be deposited after 90 days from the loan origination date for both new and referring members. Both new and referring members must have an active loan in good standing at the time the bonus is distributed. There is no limit to the number of unique loan referrals a member may make. Minimum loan amount of $7,500. Fitzsimons Credit Union reserves the right to reclaim the bonus if the loan or membership is closed or not in good standing within six months from loan origination. This offer cannot be combined with any other offer. Membership is required. A minimum opening deposit of $5 is required for new members. Offer is not valid for referring members residing in the same household. New members must not have had a previous relationship with Fitzsimons Credit Union to qualify. LTV restrictions apply. Offer is subject to revocation at any time. Printed coupon must be presented and fully completed at our branch, or an online referral form must be submitted, in order to qualify. Federally insured by NCUA.

*Rapid Refi Promo: Promotion expires 03/31/2026. **APR = Annual Percentage Rate. No closing costs in most cases. ***FFCU will cover closing costs up to $1,500. Membership with Fitzsimons Federal Credit Union (FFCU) is required. As low as rate shown is for qualified borrowers. Rate as low as 4.99% applies only to a 10-year term and requires a credit score of 740 or higher. Must meet credit qualifications. Fixed rate is determined based upon borrower’s credit score(s), loan-to-value, and term. Property insurance, flood insurance, and/or appraisal may be required. Appraisal fees to be paid by the borrower and reimbursed at closing. FFCU does not offer escrow accounts to pay taxes and/or insurance. Collateral must be located in Colorado and must be borrower’s primary residence. Nothing herein is or should be interpreted as an offer or commitment to lend. Subject to a floor rate of 3.50% and ceiling rate of 18%. Offer, rates, terms, and conditions subject to change at any time without notice. Max Loan-to-Value (LTV) is 80%. Verification of income is required. Not available on refinance of current Fitzsimons Credit Union mortgage loans. Rapid Refi loans have 240-month max term. Payment examples: monthly payment for a $200,000 loan at 3.49% for a 240-month term = $1,160.73; monthly payment for a $200,000 loan at 3.50% for a 120-month (10-year) term = $1,977.41. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will likely be greater. Fitzsimons Federal Credit Union is an equal housing lender, NMLS# 459085. Federally Insured by NCUA.

*No Closing Costs Promo: Promotion valid for Rapid Refi Mortgage Loans, Fixed Easy Equity Loans, and Home Equity Line of Credit Loans. Promotion expires 03/31/2026. **No Closing Costs in most cases. FFCU will cover closing costs up to $1,500. Membership with Fitzsimons Federal Credit Union (FFCU) is required. Fixed rate is determined based upon borrower’s credit score(s), loan-to-value, and term. Property insurance, flood insurance, and/or appraisal may be required. Appraisal fees to be paid by the borrower and reimbursed at closing. FFCU does not offer escrow accounts to pay taxes and/or insurance. Collateral must be located in Colorado and must be borrower’s primary residence. Nothing herein is or should be interpreted as an offer or commitment to lend. Offer, rates, terms, and conditions subject to change at any time without notice. Max Loan-to-Value (LTV) is 80%. Verification of income is required. Rapid Refi loans have 240-month max term. Payment example: monthly payment for a $200,000 loan at 3.49% for a 240-month term = $1,160.73. Fixed Easy Equity loans have a 180-month max term. Payment example: Monthly payment for a $250,000 loan at 5.49% for a 180-month term = $2,045.99. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will likely be greater. Fitzsimons Federal Credit Union is an equal housing lender, NMLS# 459085. Federally Insured by NCUA.