Consumer Loans

Whether you have your eye on a new car, or a new kitchen, you'll find the right financing options at First Federal Bank!

MasterLine^™ Equity Line of Credit

Lock in a low rate of 2.99% APR^* for 15 months and No Closing Costs!

It's easy to use the equity in your home with a MasterLine from First Federal Bank.

This is an equity line of credit with greater flexibility than traditional equity lines. And for a limited time, you can lock in a low rate of 2.99% APR for 15 months!^*

MasterLine Benefits

• Enjoy the purchasing power of a credit limit of up to $100,000 (Lines up to $200,000 are available on a case-by-case basis.)

• Use up to 95% of the equity in your home to finance major home improvements and more

• No minimum limit on the amount you can use at any time

• You can lock a portion of your credit line at a fixed rate whenever you want and track your balances on one consolidated monthly statement (min. lock amount is $7,500)

• Any interest you pay may be tax-deductible, so consult your tax advisor for details

• Get Pre-Approved Now — It's easy: fill out a fast Pre-Approval form online!

Download the What You Should Know about Home Equity Lines of Credit Guide from the Federal Reserve.

Auto/Vehicle Loans 

We can help you finance the new or used car, truck or SUV you need. The advantages of First Federal Bank Auto Loans include:

• Competitive interest rates

• Free Used Car Value Check

• No pre-payment penalties

• No hassles with dealers over rates or payments

• Save money by refinancing an existing auto loan

• Receive a .25% rate discount with automatic payments from your First Federal Checking account

Terms up to 60 months are available for new vehicles and used vehicles eight years old or less. If you're just beginning your search, visit us to get pre-qualified for a loan so you can shop with confidence knowing up-front how much you can afford.

*APR = Annual Percentage Rate. After the introductory period, the APR will vary for the remaining life of the loan. As of 1/12/2012 the variable rate for lines of credit is Prime + .50% to Prime + 1.00% APR. The rate will not exceed 18% APR and the minimum rate is 4.75% APR. Available on lines of credit of $25,000 or more, up to 80% combined loan-to-value (First mortgage balance + Equity line credit limit / Property Appraised Value). No closing costs on lines of credit of $25,000 or more. Kansas residents required to pay Kansas Mortgage Tax ranging from $65 to $260. Pre-payment fee of $500 may apply. First Federal Bank checking account required. Subject to credit approval. Property insurance required. Rates are subject to change without notice. Offer available for new MasterLine Equity Lines of Credit only.