Consumer Loans

We've got a loan for you.

Heating and A/C • Whole-house Generators

Low-Rate Home Utilities Loans

Homeowners can now apply for home utility loans specifically designed to upgrade HVAC systems and generators, making it more convenient to invest in home essentials.

Whole-house Generators

Homeowners can purchase and install whole-house standby generators used to help ensure uninterrupted power supply and peace of mind during power outages.

HVAC Systems

HVAC system loans provide homeowners with an affordable way to upgrade their heating and cooling systems, ensuring optimal comfort and energy efficiency in their homes.

New and Used • Low Rates • All Types of Vehicles

Vehicle Loans

New or used, get on the road with an auto loan. Car, truck, SUV, van- however you choose to get from point A to point B, we've got a loan that can get you there.

New and Used

Whether you're looking to buy a new vehicle or trying to find a great deal, First Federal can secure the financing for your next vehicle.

Personal Projects • Lines of Credit

Personal Term Loans

A fixed-rate loan may be just what you're looking for to finance a project. Quick approval times and various terms can help keep you within your budget. 

Personal Projects

Our personal loan is perfect for large purchases, personal projects, and emergency expenses.

Home Renovation • Consolidate Debt • Education Costs

Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) uses your home's equity as collateral. As a revolving line of credit, a HELOC is perfect for home improvement projects, major expenses or to consolidate your debt. Upgrading is easy with affordable rates and low closing costs. 

A P P L Y   N O W 

Home Renovations

Turn your dreams into reality and upgrade your kitchen or bathroom, resulting in an increase in your home's value and potential tax deductions.

Consolidate Debt

A home equity line of credit could help you lower your monthly payments and reduce personal debt, like medical expenses or credit cards.

Education Costs

Using a HELOC to cover education costs is a way to invest in yourself or your family's education and future.

Motorcycle • New and Used • Low Rates


Whether you're looking for a brand-new motorcycle or something with a few miles on it, First Federal Bank wants to help you get on the ride.


You're a low-interest rate loan away from living out your dream and cruising on a new or used motorcycle. Apply online today and get on the road tomorrow!

Boats • Fishing  • Water Skiing


It's time to get out of the house and on to the water. With our low-interest boat loans, you can spend the summer soaking up the sun and enjoying time with friends and family.


Creating memories on the water is what owning a boat is all about. That's why First Federal Bank has a boat loan that can help turn your dreams into a reality. Our low interest loans are perfect for financing your boat.

Riding Lawn Mowers • Lawn Care • All-Terrain Vehicles

Mowers & ATVs

Whether you're looking for a way to maintain your lawn or enjoy it with friends, we have a loan that can get you out of the house and into the fresh air.


When it's time to take a break from work, ATVs are a great way to enjoy time with friends.


Mowers come in a variety of shapes, sizes, and prices. Depending on your needs, your ideal mower could cost thousands and we want to help make that work for you.

RVs • Travel • Road Trips


Are you excited to slow down and enjoy cross-country road trips? First Federal Bank has loans that fit your lifestyle. Flexible terms and fixed rates can make your dreams a reality.


Travel at your own pace with a new or used RV. Regardless of your budget, there's an RV that's right for you and First Federal wants to help you get it.

Land • Future Construction • Various Terms

Land or Lot Loans

Have you found the perfect lot or property for your future home? We'll help you purchase your piece of paradise with our Land or Lot Loan. With various terms and fixed rates, we'll make sure we fit your budget. Fill out the form below or visit your nearest branch.

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Whether you're looking to build now or in the future, buying land in preparation for future real estate plans is a smart move.

Future Construction

When you're ready to start building your dream home, the first step is making sure you've got the right piece of land to put it.

Various Terms

Regardless of your financial situation, First Federal offers a variety of term options to fit budgets large and small alike.

Line of Credit • Loans

CD Secured

Use your existing certificate of deposit account as collateral to secure a line of credit or obtain a loan. This is a great way to safely build your credit and consolidate debt.

Apply now - line of credit Apply now - loan

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All loans are subject to credit underwriting and approval. See a bank representative for more details.
**Subject to credit approval. The APR is 7.118% based on loan amount of $50,000, with a term of 63 months, and an interest rate of 6.95%, payments are approximately $949.69 a month. APR calculation is based on variables such as loan amount, loan term, and finance charges. Standard finance charges and fees apply. In example, total amount financed is $49,801 with closing costs of $377.00. Minimum loan amount is $5,000. Maximum loan amount is $75,000.  Loan approval is subject to credit underwriting and approval. Rate valid until 12/31/2023.