The Firefighters & Company Federal Credit Union is open to anyone that lives, works, worships, or attends school in Montgomery, Greene or Miami county, Ohio.

Take advantage of our No closing costs special on variable rate HELOCs and fixed rate second mortgages. Save up to $700 on this limited time special. Offer available April 1st- May 31st, 2026. Click here for rates.

*Home Equity Line of Credit (HELOC)- APR=Annual Percentage Rate. Rate as low as 6.75% APR based on prime, credit and 80% Loan To Value (LTV). Your individual rate will be based on credit, prime and LTV. The annual percentage rate may vary. Maximum rate is 18% APR. Prime is determined on the first day of the last month before a new quarter begins. The prime rate as of March 1st, 2026 was 6.75%. Finance charges accrue as soon as an advance is taken. Minimum payment is based on a 120 month repayment; payments may change based on advances and/or rate changes. Minimum payment is $50 per month. Minimum HELOC is $5,000. Maximum HELOC is $100,000. Limits are based on LTV and owner occupied status. Home value will be determined by the credit union using an approved valuation method. Draw period is 5 years with account review to determine extension. Offer good for qualified borrowers only. Home owners insurance is required on all Home Equity Line of Credit Loans. No closing costs special is good starting April 1st through May 31st, 2026 or at FFCOCU'S discretion. See credit union for details. Closing costs can be up to an estimate of $700.

**Second Mortgage • APR= Annual Percentage Rate. Rates as low as 6.75% APR based on credit and an 80% LTV with a maximum term of 120 months. For a $20,000 loan amount for 120 months with a 6.75% APR, the monthly payment would be $230.60. Other rates and terms available. Minimum Second Mortgage is $5,000. Maximum Second Mortgage is $150,000. Limits are based on LTV and owner occupied status. Rates are subject to change. Home owners Insurance is required on all Second Mortgages. No closing costs offer is good starting April 1st, 2026 and is good through May 31st, 2026 or at FFCOCU'S discretion. See credit union for details. Closing costs can be up to an estimate of $700.