At Fremont First Central Federal Credit Union, we have loans tailored to fit your needs. Contact a Member Service Officer for more information on any of our loan products.

Don’t forget, we’ll match your rate!! Bring in your loan from another financial institution and we’ll match it. Members must provide proof of current loan rate. Fremont First will finance for the remaining term of the original loan. With NO early prepayment penalties, you can’t go wrong! The rate will not go below 2.99%. Loans excluded are First Mortgages, Home Equity Lines of Credit , Vehicle Leases, and Credit Cards.
Subject to credit approval. New money only.

New and Used Auto and Motorcycle Loans

Visit with one of our loan officers for detailed information on our new and used vehicle programs.


To find out what your current vehicle is worth, click here to calculate the NADA value!

Mortgage Lending


Whether you are in the market for a new home or improving a home you already own, Fremont First Central Federal Credit Union offers you mortgage loan products to meet all your needs. Our Mortgage Team offers you personalized, professional, and local service. As an owner of the credit union, your best interests are always in mind.
Our mortgage services include:


  • Low or no down payment requirements
  • Conventional loans serviced through a Credit Union owned mortgage provider (Centennial Lending)
  • Low closing costs
  • Free pre-qualification
  • Potential tax deduction on interest paid
  • Loan counseling by trained, professional mortgage personnel working for you
  • No prepayment penalties
  • Government Loans
  • Conventional Loans
  • Centennial Lending

We offer competitive rates, pre-qualification approvals, and great service to save you time and money. Contact our mortgage specialists today to find out how we can help secure a mortgage loan to meet your needs.

Home Equity Loan

Based on the equity established on your home, you may qualify for a Home Equity Loan.

Home Equity Line of Credit

A home equity line of credit is a fixed rate loan that you can advance in increments of $500, whenever you need it.

Visa Credit Cards

  • No Annual Fee
  • – Low Fixed Rate
  • – 25 day Grace Period for purchases
  • – Transfer balances from your other high interest credit cards
  • – On-line access by visiting
  • – Verified By Visa

Share Secured Loans

Allows you to pledge the amount in your share savings accounts against a loan while you continue to earn interest on your savings account.

Line of Credit

Use a line of credit loan to make advances for taxes, auto repairs, home improvements, furniture, overdraft protection, and more.

Overdraft Protection Loan

An overdraft protection loan is issued to qualified members and used to cover drafts in your checking account when the funds are not available.

Signature Loan

Apply for a signature loan for up to $5,000.

Student Loans

Student loans are available through your Credit Union and Great Lakes Higher Education to assist students in paying for college expenses.

Loan Payments can be made through auto transfers, payroll deduction, Teledata 24, logging on to our e-Branch, or by calling or coming to the Credit Union and transferring funds from your account. There are no penalties for paying off your loan early.