Home Loan/Refinance Promo
Promotion valid for Rapid Refi Mortgage Loans and Fixed Easy Equity Loans. Expires 12/31/2021. *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. 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
Receive $300¹ OR choose to lower your rate by 1.00%²—plus, make NO payments for 90 days³!
Bring Your Current Auto Loan From Another Lender To Fitzsimons And Choose Your Savings…
- Rates as low as 2.49% APR*
- Make no payments for 90 days³
- Choose $300 cash back¹ OR 1% APR off your current rate²
- Peace of mind in uncertain times when you add loan protection insurance.
Promotion Expires 12/31/2021. *APR = Annual Percentage Rate. Minimum amount to finance and receive incentive is $7,500. Max loan term is 72 months. 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 2.74%. 3) 3 months=90 days. Interest begins accruing upon disbursement of loan. Rates as low as 2.74% APR on new or used passenger vehicles. Not valid on RVs, motorcycles, commercial vehicles, or other vehicle types. 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 7/1/2021 and subject to change. FFCU reserves the right to withdraw this offer at any time without notice. Federally insured by NCUA.
Win $1,000 Cash!
Win $1,000 Cash!
How It Works:
1.) Open a Kasasa Checking Account
2.) Use your card at least 15 times per month
3.) Continue making everyday purchases
Every qualified purchase gives you (1) entry for the $1,000 grand prize
Check your Kasasa checking account’s terms and conditions for more info.
Kasasa Cash and Kasasa Cash Back checking accounts that meet their monthly reward qualifications will receive (1) entry for the grand prize with each eligible transaction made with a Fitzsimons Federal Credit Union (FFCU) debit card between October 1, 2021 – December 31, 2021. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify. The following activities do not count as eligible transactions: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions. Please check your Kasasa or Kasasa Cash Back checking account for the full monthly qualification disclosure. You must be a FFCU member in good standing (i.e. no delinquent loans or shares). Prize is (1) $1,000 cash prize, which will be deposited as a dividend bonus into the savings account associated with the Kasasa checking account. $1,000 bonus will be deposited within (30) days of the winner being selected. Estimated value of prize is $1,000 and will be reported on IRS form 1099-INT. Winner of the contest will be selected and contacted by 5:00 pm MT, January 31st, 2022. Winner will be notified via phone or email. If the winner cannot be reached by 5:00 pm MT on February 4th, 2022, a new winner will be chosen. Odds of winning any drawing depend upon number of eligible entries received during applicable period. FFCU employees, volunteers, and their families are excluded from eligibility to win the (1) $1,000 cash prize. By accepting a prize, winners consent to the use of their name and likeness for publicity purposes without further compensation, unless prohibited by law. All entrants agree to release and hold harmless FFCU and its partners, affiliates, and agents from any and all claims of any kind arising directly or indirectly from the sweepstakes, from any sweepstakes prize, or from any publicity about the sweepstakes. Promotion, terms, and conditions subject to change at any time without notice. Federally Insured by NCUA.
Refer your friends, family, neighbors, and co-workers, and when they close on a new loan, you’ll both receive $75! *
It’s as easy as that. Plus, there’s no limit to how many friends or family members you can refer!
Don’t know anyone in the market for a loan? You can also refer friends and family to open an account at Fitzsimons and if they meet the minimum qualifications, you’ll both receive $30.**
Friend Referral Disclosure: Offer good for one (1) $30 bonus for new member and one (1) $30 bonus for referring member. $30 bonus will be deposited into savings account as dividend bonus and will be reported on IRS form 1099-INT. $30 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 with at least 5 transactions or loan is required to receive bonus. Fitzsimons Credit Union reserves the right to reclaim bonus if account is closed prior to six (6) 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. Must present this coupon to receive offer. Federally insured by NCUA
Loan Referral Disclosure: *Must meet credit qualifications for loan. Cannot be combined with any other offer. Not valid for existing loans at Fitzsimons Credit Union. Loan must be closed at Fitzsimons Credit Union. Loan closed at participating dealerships will not be eligible for incentive. Offer excludes Certificate Secured Loans, Credit Cards, and Credit Builder Loans. Minimum amount financed is $7,500. Offer good for one (1) $75 bonus for new loan and one (1) $75 bonus for referring member. There is no limit to the number of unique account referrals a member can make. $75 bonus will be deposited into savings account as dividend bonus within 90 days of the loan closing and will be reported on IRS
form 1099-INT. Fitzsimons Credit Union reserves the right to reclaim bonus if account is closed prior to six (6) months from opening. Fitzsimons Credit Union reserves the right to reclaim bonus if loan is paid off prior to six (6) months from opening. Estimated value of bonus is $75. Offer can be revoked at any time. Must present this coupon to receive offer. Must be a Fitzsimons Credit Union member to participate. Offer subject to change at any
time. Federally insured by NCUA.
Get More Wintertime Funds!
We know you need a little break sometimes, skip a loan payment this winter and use those funds towards a special project or getaway! From November 1st, 2021 – Jan. 31st, 2022 members who haven’t skipped a loan payment in the last 12 months are eligible to do so, without paying the $37* skip-a-loan payment fee!
*By opting for Skip-a-Payment, you request that Fitzsimons Federal Credit Union (FFCU) defer your loan payments as indicated. You agree and understand that: 1) Finance charges will continue to accrue at the rate provided for in your original loan agreement, during and after that time; 2) deferring your next payment will result in you having to pay higher total finance charges than if you made your payments as originally scheduled; 3) this payment deferral will extend your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off per your original loan terms; and 4) you will be required to resume your regular monthly payments in the following month. If you previously elected to purchase any GAP or insurance products on this loan, coverage may not be extended beyond the original maturity date. Skip-a-Payment $37 loan extension fee is waived for requests made during November 2021- January 2022, otherwise Skip-a-Payments are subject to the $37 fee. Six (6) initial payments and at least three (3) consecutive monthly payments must have been made to the loan. Loan extensions of any kind are limited to one per calendar year; all deferrals are subject to FFCU approval. Real estate, credit card, certificate-secured, specialty (PIC, PAL, Emergency Relief, Worry-Free Repayment, DREAMer, Holiday, Credit-Builder, etc.) and line-of-credit loans are not eligible. If your loan payment is deducted from another financial institution, we must receive notice 10 days prior to the due date to suspend that payment for one month. Additional restrictions may apply. Federally Insured by the NCUA.
Make Wishes Come True With Our Holiday Helper Loan!
Rates as low as 6.99% APR*
Loan amounts of $500 to $4,000
Offer available through Oct. 1st – Dec. 31st, 2021
Enter promo code HOLIDAY LOAN 2021 on your application.
Promotion expires 12/31/2021. *APR = Annual Percentage Rate. Effective 10/01/2021. Rates start as low as 6.99% APR and max out at 18.00% APR and may vary depending on each individual’s credit history and underwriting factors. Minimum loan amount is $500 and maximum loan amount is $4,000. Minimum loan term is 12 months, and the maximum is 28 months. No additional discounts are available for this loan. Must have a prime share account with Fitzsimons Federal Credit Union (FFCU) for at least 6 months in order to qualify. One holiday loan per person. Must be currently employed or have steady income such as pension or social security and provide proof of at least $2,000 minimum income per month. Income from employment or other sources must have been continuous for last 90 days. Must be in good standing with all FFCU accounts and loans in order to qualify. Member must not currently be in Bankruptcy. Members who have an Emergency Relief Loan or Holiday Loan from a previous year must pay off loan. Members have the option to use proceeds of new Holiday Loan to pay off remaining balances on Emergency Relief Loans and Holiday Loans. FFCU employees are not eligible for this loan program. Holiday Loan program is not available to members who currently have a PIC Loan or Worry-Free Loan. Payment example: for a $1,000 loan at 18.00% for 12 months, monthly payment = $92.31. This payment example is for illustration purposes only. Your actual payment may vary. Interest accrues immediately upon loan origination. Additional restrictions and qualification criteria may apply. Loans are subject to program guidelines. Interest rates and program terms are subject to change without notice. Federally insured by the NCUA.