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Home Loans

First Mortgages Loans

  • No Closing Cost Mortgage Option*
  • 15 & 30-year terms with fixed monthly payments
  • FHA, VA, and ARM loan options available*
  • No pre-payment penalties
  • Refinance options up to 97% loan-to-value

Rapid Payoff Mortgages

Pay off your current mortgage in 5 to 10 years and save money on interest payments while possibly even lowering your current monthly payment. These loans are ideal for members with 15 years or less to pay on a traditional 30 year loan and with a credit score of 680 or above*.

  • $495.00 closing cost*
  • 5, 10, 15-year terms with fixed monthly payments
  • Local servicing for the life of your loan
  • Cash out options available
  • No Private Mortgage Insurance (PMI) or pre-payment penalties

*$495 closing charge is subject to change at any time and does not include charges for a property appraisal if required. Property appraisal charges will be paid by the member. No Closing Cost Mortgage product is subject to change at any time. Federal housing Administration (FHA) loans require a minimum of 3.5% down payment. FHA loans are subject to an up-front mortgage insurance premium of 1.75% of the loan amount, in addition to a monthly mortgage insurance premium, depending on the loan term and loan-to-value (LTV). VA mortgages are guaranteed by the Department of Veterans Affairs for eligible veterans. No Closing Cost Mortgage product subject to credit approval and 80% loan to value (LTV) position on property, for primary occupancy only on single family detached residence, townhouse, and condo properties only.

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Second Mortgages/Home Equity Line of Credit/Interest Only HELOC

If you are a homeowner, you may borrow money against the equity in your home with a fixed rate second mortgage or a Home Equity Line of Credit (HELOC) to pay for home improvements, college expenses, an upcoming wedding, or many other large ticket expenses that may be ongoing or one-time.

Second Mortgages

A fixed rate second mortgage allows you to borrow money against the equity in your home.

  • 80% loan-to-value (LTV) maximum
  • Fixed Rate
  • 5, 10, and 15-year terms

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Home Equity Line of Credit (HELOC)

A HELOC is a revolving line of credit account that permits borrowing from time to time, at the homeowner’s discretion, up to a set credit limit. Meaning, as you pay down the balance of your loan, your funds become available to use again. Common advantages of home equity loans include lower interest rates than most other types of loans and the interest you pay may be tax deductible. Contact your tax advisor for more information.

Interest Only HELOC

Maximize Your Equity… with an Interest Only Home Equity Loan

The lowest possible monthly payment, with even greater flexibility. This loan is ideal if you’re looking for more control over your cash flow and budget.

  • Enjoy lower monthly payments with the option of paying just the interest and as much principal as you want over a seven year period
  • Minimum initial advance is $2,500, with subsequent advances at $500
  • 7 year draw period (interest only payments) with a 10 year repayment plan

The DFDFCU Interest-only Home Equity Line of Credit offers benefits that save you time and money.

  • Quick approval process
  • Pay nothing unless you use your line of credit
  • Borrow up to 80% of your home’s value upon qualification*
  • Potential tax savings — the interest may be tax deductible (consult your tax advisor)
  • Convenient automatic payment options for interest only payments
  • Access your funds conveniently via Internet Banking

* Rates and closing costs are subject to credit qualifications. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from 3.50% to 18%. Seven year drawn period. Repayment term up to 10 years. Property insurance coverage is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment.

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Construction Loans:

Considering building a new home? Our partnership with Centennial Lending allows us to offer flexible rates and terms and experienced lenders who will do their best to make this dream a reality. Even if you’re not ready to build right now, we can help you secure that perfect lot with a land loan. You can count on Centennial Lending to offer the same prompt, personal, local service you’ve come to expect from your Credit Union.

  • Residential Construction
  • Commercial Construction
  • Development Loans
  • Vacant Land
  • Flexible Interest-Only Construction Financing

Construction Loans - Apply Online.

*Standard credit qualifications apply. All loans are subject to final credit approval. Please consult your tax advisor, as interest paid on these loans may be tax-deductible. All second mortgage products are financed on homes in Colorado only.

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Auto Loans

In the market for a new or used vehicle? Denver Fire Department Federal Credit Union is here to help every step of the way, whether you’re ready to buy or just beginning your search.

We offer new and used auto loans to meet your specific needs! View Auto Rates!

New Vehicle Loans:

  • Financing available up to 115% of the cash purchase price at very competitive rates
  • Full financing available for those who qualify
  • Terms available up to 84 months
  • Risk based lending rates shall apply

Used Vehicle Loans:

  • We will finance up to 115% of the NADA loan value at very competitive pricing
  • Kelly Blue Book
  • Terms available up to 84 months
  • Risk based lending rates shall apply

APPLY ONLINE

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Credit Union Auto Buying Service

Would you like help locating the exact car that you’re looking for? Would you like a new, refreshing, no pressure way to find your next car? Credit Union Auto Buying Service is DFDFCU’s preferred auto buying service. Their consultants will help you:

  • Locate new or pre-owned vehicles
  • Negotiate the price with the dealer or auction
  • Arrange test drives and deliver the vehicle to you
  • Make all the arrangements to process your loan at the dealer or DFDFCU

Credit Union Auto Buying Service can also help you save money by:

Credit Union Auto Buying Services

  • Providing you with vehicles to purchase after negotiating excellent pricing
  • Tracking all current manufacturers’ rebates and incentives that they can pass onto you
  • Not charging dealer delivery or handling fees when you purchase a vehicle directly from CU Auto Buying Service

You can contact DFDFCU’s Service Specialist, Gordon Pape, by calling 303-898-1608 or e-mailing Gordon at: gordon@cuabsi.com

*Standard credit qualifications apply. All loans are subject to final credit approval. Any rates disclosed regarding any loan product with DFDFCU are disclosed in APR – Annual Percentage Rate

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Platinum Visa® Credit Cards

No Annual fee, no balance transfer fees, plus great rates make the DFDFCU card a no-brainer for our members. We also donate a percentage of our Credit Cards merchant interchange income to The Colorado Professional Firefighter Foundation (CPFF) that supports fallen firefighters and their families.

So, the more members that use the credit card to make their purchases, the more Denver Fire Department FCU will donate to the foundation. Based on our member’s credit card usage, we have donated over $180,000 since 2007.

Denver Fire Department FCU believes in the practice of building strong financial management, and recommends that you pay off your balances monthly to avoid interest, and getting caught in the credit card debt trap.

DFDFCU also offers a business credit card for our business account holders with the same great rates, rewards and NO annual fee.

DFDFCU offers rewards and non-rewards card options to our members:

  • No annual fee
  • No balance transfer fees
  • 25-day grace period on purchases
  • ATM and cash advance options
  • UChoose Rewards (when rewards card selected at card application)

Important Information:

  • Lost VISA Card and 24 hour service: 1-866-270-3864
  • Click hereto login into Virtual Branch and check your balance, transactions and transfer from a savings or checking account to make a payment!
  • Pre-Paid MasterCard® Gift and Travel Cards - DFDFCU also offers pre-paid gift and travel cards to our members. Learn about Gift and Travel Cards

*Standard credit qualifications apply. All loans are subject to final credit approval. Any rates disclosed regarding any loan product with DFDFCU are disclosed in APR – Annual Percentage Rate.

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Personal Loans

Signature Loans

DFDFCU, offers signature loans with terms from 1 to 3 years. A signature loan is an unsecured loan that only requires your signature without further collateral. Risk based lending does apply in determining the interest rate on a signature loan.

Overdraft Protection

Use an overdraft line of credit as protection on your checking account or as a means of quick and easy access to your funds. You may also use a Share Savings or a Money Market account to cover any potential overdrafts.

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Secured Loans

Share Secured Loan

These loans are secured 100% by your Share Savings or Money Market account at DFDFCU. This is a great way to maintain the balance in your account, plus you continue to earn interest on your savings pledged as collateral. A share secured loan is only 2% above the rate that you’re earning in your savings or money market account – making it a very reasonable loan.

A share secured loan can help you rebuild credit, or help you to establish credit for children and grandchildren by establishing an installment loan that is guaranteed approved. Share secured loans can be obtained for terms up to 10 years.

Certificate of Deposit Secured Loan

Certificate Loans are secured 100% by your Certificate of Deposit (CD) at DFDFCU. The interest rate is 2% above the dividend rate you’re currently earning on your certificate. Terms of the loan equal the term of your certificate. Similar to a share secured loan, a CD loan can help you rebuild credit, or help you to establish credit for children and grandchildren by establishing an installment loan that is guaranteed approved.

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Recreational Vehicles

We live in Colorado to enjoy the beautiful outdoors. Let DFDFCU help you enjoy it more with a new boat, motorcycle, ATV, snowmobile, or RV (motorhome, pop up, 5th wheel). You’ll enjoy your time even more with a loan that gives you a great rate and term so you have a little more to fill up the gas tank.

Our recreational vehicle loans were created to help you:

  • Loan to values approved up to 105%
  • Great rates with financing approved to 84 months
  • Risk based lending rates apply

Need help finding that perfect motorcycle or RV? Credit Union Auto Buying Service is DFDFCU’s preferred auto buying service. Credit Union Auto Buying Service can:

  • Locate the new or used motorcycle or RV that you’re looking for
  • Negotiate the price
  • Arrange test drives and delivery to your home or work
  • Make all the financing arrangements so that you can start playing right away

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Credit Union Auto Buying Service

Credit Union Auto Buying Service can also help you save money by:

Credit Union Auto Buying Services

  • Providing you with vehicles to purchase after negotiating excellent pricing
  • Tracking all current manufacturers’ rebates and incentives that they can pass onto you
  • Not charging dealer delivery or handling fees when you purchase a vehicle directly from CU Auto Buying Service

You can contact DFDFCU’s Service Specialist, Gordon Pape, by calling 303-898-1608 or e-mailing Gordon at: gordon@cuabsi.com

*Standard credit qualifications apply. All loans are subject to final credit approval. Any rates disclosed regarding any loan product with DFDFCU are disclosed in APR – Annual Percentage Rate.

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Checking Accounts

Earn interest on your FREE checking account with no monthly fees. A minimum deposit of $75.00 is required to open the account and is secured while your checking account is open. No additional minimum is required to have a checking account at DFDFCU.

Debit Cards: A VISA® Debit card can be used for making purchases or obtaining cash without writing a check at thousands of merchants and ATM’s across the world. The payment comes directly from your checking account. Your VISA Debit Card is also Free!

Click here for Checks for your Share Draft Account.

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Regular Savings

Regular Savings Accounts at Denver Fire Department Federal Credit Union are called "Share/Savings Accounts". The share/savings account is referred to as your “share” account because every member has one ownership “share” in the Credit Union. Your ownership "share" of Denver Fire Department Federal Credit Union begins when you open a share/savings account and deposit a minimum of $25.00.

Share/Savings accounts pay competitive dividend rates based on investment and loan rates earned by the Credit Union. Through your share/savings account, Denver Fire Department Federal Credit Union also provides up to $3,000 of Life Insurance - AT NO COST TO YOU! Click here for more information.

Member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund.

Dividend earnings on share/savings accounts are determined using the average daily balance method which applies a periodic rate to the average daily balance in the account compounding and crediting the account on a monthly basis. Members should review the Truth In Savings disclosures for all dividend payment agreements.

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Certificate of Deposit (CDs)

Meet your financial goals of tomorrow while keeping your investments close to home. Certificates allow for flexible investment terms and amounts while paying a higher dividend than regular savings products.

Certificate of Deposit features:

  • 3, 6, 12, 24, 36 or 60-month terms available
  • Minimum deposit of $1,000
  • Dividends are paid monthly
  • Renewed automatically
  • Deposits are federally insured up to $250,000 by the NCUA.

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IRA: Individual Retirement Accounts

SAVE TODAY! Meet your retirement goals of tomorrow while you earn higher dividends.

Contact Denver Fire Department Federal Credit Union today to learn more about our IRA Shares & IRA Certificate of Deposit. Choose from great rates on your CD or choose a liquid IRA Share Account while you build your retirement funds. We have options to fit your specific needs.

  • Minimum $1,000 Balance Required on Certificates of Deposit.
  • Dividends Paid Monthly on CDs and the IRA Share Account.
  • APY - Annual Percentage Yield

Rules and Regulations that govern Individual Retirement Accounts can be complex. DFDFCU recommends all members speak with a tax advisor prior to opening, contributing to, or withdrawing from an IRA. IRA’s invested in Certificates of Deposit may be subject to early withdrawal penalties.

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Money Market Accounts

Looking to get a higher return on a secure investment? Money Markets offer a higher return than a regular savings account, but allow you more access to your funds than other investment alternatives. A Money Market Account is an ideal investment option for your portfolio, protecting against the ups and downs of the stock market and mutual funds.

  • A minimum deposit of $5,000 is required to earn the current Money Market APY.
  • You may make up to Six (6) withdrawals or transfers out of the account every month.
  • Your deposits are federally insured up to $250,000 by the NCUA.

*Additional fees may apply to the closing of a Certificate of Deposit. Early withdrawal penalties may apply. Deposits into and withdrawals from Individual Retirement accounts may have significant tax implications. A tax advisor should be contacted prior to making transactions in and out of an Individual Retirement Account. The Money market account has a $5,000 minimum balance for eligibility to earn the posted rate. If the Money market account balance falls under $5,000 at any time during the month, the account will only earn a rate equal to the Share Savings Rate. Any dividend rates disclosed for a certificate of deposit, IRA account or Money market Account are disclosed in APY – Annual Percentage Yield. Additional fees may apply to certificates of deposit, money market and IRA accounts based on usage and account balance. Please review DFDFCU’s Fee Schedule for additional information (Fee Schedule should be linked to our fee page)

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