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Bienvenidos

Text Styles

These are styles that can be added through the tools and style dropdown in the rich text editor (Content blocks, other areas with a rich text editor like the content blocks')


H2 Title

H3 Title

H4 Title

H5 Title
H6 Title

Paragraph Copy Lorem Ipsum

Color Text

Color2 Text

Color3 Text

Grey Text

Large Text

Larger Text

Small Text

Uppercase Text

Thin Text

Extra Bold Text

Color, Color2, Color 3, and Grey Text in a title

Lists

  1. List Item 1
  2. List Item 2
    • List item 1
    • List item 2
  3. List Item 3
  4. List item 4

Other

Callout Text Here

Quotation Cite

Line Rules

Separator


Further styles and more customized separators are available under the "separators" tool under "layout" 













Link Styles

The button variants should only be used when a single button is needed and it doesn't need to be shared anywhere. These can be added through the "Link Style" dropdown under "More Options" when creating a link in the rich text editor.

Basic Link

Link Style Button

Link Style Secondary Button

Link Style Accent Button

Emphasized Link

Buttons

There are four ways to create a button.

A button can be added through the link style dropdown in any link within a rich text editor or content block.

CTAs widget can provide buttons unique to a page.

Furthermore, buttons can be added to the buttons widget. Buttons added to the buttons widget are shared between all instances of the button. Shared buttons are recommended because if a link is changed later, then all buttons linking to the link be changed at once.

Call to Action (CTAs) Widget

CTAs are recommended when no more than two buttons are needed, and the buttons are unique to the page and aren't to be used anywhere else on the site.

The options available in the CTAs widget are also more limited than the options available through the shared buttons widget.

CTA Button Learn More about CTAs
CTA Button Learn More about CTAs

Shared Buttons

Buttons can be created under content.

They can also be created when selecting buttons in the widget.

Buttons can be added to the page either through the dedicated, full-optioned button widget or through the content list widget.

Using the buttons widget to add buttons

The buttons widget is specialized for buttons and contains all button options.

Using the content List widget to make buttons

Buttons can also be added through the site's standard content list widget.

Once dropped, the list settings must be adjusted as follows: 

Only 5 styles are available in the content list widget.

Flip Badge Callout

A very simple way of making this callout.

By default, the front is the fibre logo, but it can be customized.

Just drop content here after adding the widget

  • It's simple
  • It's easy

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor .

Splash Heading

These are the headings used on the home page. Although they are not used on the inside pages by default, support for them exists to allow future use in potential landing pages.

Pre-Heading

Splash Heading

Anchor

Anchor is used to easily add a location to the page that can be linked to by any link's "anchor" field. Note that each anchor's value can only be used once per page, or the linking will break.

Click to jump to the anchor below the paragraph

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. 

Youtube

Allows easy embedding of a youtube video. Simply copy this part of the end of the youtube video's url (after ?v= and before any other &) 

and paste it into the video id field in the widget's edit panel. 

The Content List

A number of different types of content can be selected through this widget.

Depending on the widget, various other options may be available under list settings. Order By, Spacing, and Width are available for all widgets. Buttons are available for quicklinks, lists, and some testimonial templates and styles. Header is available for quicklinks, lists, blog lists, and some testimonial templates. Alignment is only relevant for buttons (for now).

Only blog and news take advantage of the items  under detail view settings.

Blogs

Blog posts can be added under content - > Blogs, then clicking into the blog the post should be added to.

To add the posts to the page, "Posts" should be set as the Content type, and "Blog post list" should be set as the template.

To display all blog posts, all published items can be set to show without modification. However, the posts can be set to draw only posts from a specific blog and/or category, which allows more nuanced selection of content. For example, featured posts on the auto loans page can be set to draw only posts from the Information blog and the Auto Loans category. This allows for a much easier maintenance of the post system across multiple pages, because the post lists can then automatically update with the latest information as new posts are added, without each post list needing the posts selected manually every time.

Style 1 shows all posts.

When buying a car, most people finance some or all of the loan amount. The price of new cars continues to climb as each decade passes, and few have enough money saved to write a check for the full amount.

The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs.

Interest rates for car loans constantly fluctuate. It isn’t something that you can do anything about. However, that doesn’t mean you can’t get a great deal on a car loan. There are some things you can do to keep your monthly payments low and to save money on interest.

Common Car Loan Terms to Know

It’s worth taking the time to review some common terms that you are likely to see as you shop around for a loan. Being able to understand car loans can help you know whether you are getting a good interest rate.

Interest Rate and APR

You will encounter both interest rates and annual percentage rates (APR) when reviewing car loans. The two terms are similar, but the APR includes extra information that can help you determine which loan is the best deal.

Interest is the money you pay a lender for the use of the money you borrow. The interest rate is usually expressed as an annual percentage of the loan amount.

The APR includes the interest rate, but it also includes lender fees. The additional information the APR provides gives you a more complete picture of how much you are paying a lender for the borrowed money. At Fibre Federal, we charge no lender fees, so your APR is truly only the interest you pay.

Amortization

Amortization refers to making monthly payments on the money you borrow until it is repaid. For example, if you borrow $20,000 and make fixed monthly payments for six years, the loan is amortized for a period of six years.

Maturity date

The maturity date is the date that the loan is expected to be paid in full. If you have a loan term of 60 months, the maturity date would be at the end of the 60 months.

Default

Default on a loan occurs when you do not follow the loan agreement. The most common reason for default is failing to make the required monthly payments on time.

Loan term

The term refers to the length of time needed to repay a car loan. The most common term for a car loan is five years, although it can be longer or shorter.

Car Loan Factors You Can Influence

Although car loan interest rates are largely determined by forces outside of your control, this doesn’t mean you have to accept a bad deal. There are some things you can do to save money on both the price of the car and on the amount of interest you pay on the financing.

Your credit history

A major factor in qualifying for a car loan is your credit history. If you have poor credit or limited credit history, you may have trouble qualifying for a loan. Also, lenders consider those with high credit scores to be lower risk than other borrowers and often reward them with better loans. Keep in mind that at Fibre Federal Credit Union, we practice Rate Equality, so every qualified member receives the same low rate!

You are legally entitled to obtain one free credit report from each of the three credit bureaus (Experian, TransUnion, and Equifax) each year. If you find incorrect information on one of the reports, you can dispute the item with the reporting bureau and possibly have it removed to improve your score.

Down payment

The amount of down payment you make when buying a car can be a factor in determining how much interest you will pay and how much your monthly payments will be. Ideally, you want to make as much of a down payment as possible.

With a higher down payment, you may be able to structure your loan for a shorter term. This will help you to save money on the interest.

Buying new or used

Whether you buy a new or used car can have a major impact on how much you pay, your monthly payment, and the total amount of interest you pay on your loan. New cars depreciate rapidly and can lose as much as half of their value in the first five years of ownership.

A great way to potentially save thousands on a car is to purchase a gently used car. A low-mileage used model made by a company that is known for its quality and reliability will still have the majority of its life ahead of it – but for thousands less than a new one. Not only will you save big on the purchase price, but you may also be able to save money on interest by financing it for a shorter term.

Where you obtain your financing

If you go with a loan offered by a car dealership, you may not be getting the best deal. It’s worth your time to shop around for car loans before visiting dealerships and test driving cars to find the financing option that gives you the best interest rate possible. It’s recommended that you get pre-approve before you visit a dealership, or you can also ask for credit union financing right at the dealer. They can arrange a Fibre Federal loan for you while you make your purchase. Most local auto dealers participate in Credit Union Direct Lending (CUDL).

Be sure to check with your local banks and credit unions to see what they have to offer.

The main difference between banks and credit unions for car financing is that credit unions tend to have lower interest rates and fees. Credit unions are financial institutions that are owned by their members. Structured as non-profits, they are primarily focused on serving the needs of their members instead of turning a profit for shareholders.

Before You Buy a Car

A car is a major purchase, and it’s something you want to take your time with to make sure you find both the best car for your needs and the best loan. Before you visit car dealerships, it’s important to research which brands are high-quality and which models have the features you are looking for.

It’s also important to make sure you meet the requirements for car financing. Having all of the required information before you apply can save time and ensure a smooth process.

Style 2 shows the latest 4 posts. 

When buying a car, most people finance some or all of the loan amount. The price of new cars continues to climb as each decade passes, and few have enough money saved to write a check for the full amount.

The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs.

Interest rates for car loans constantly fluctuate. It isn’t something that you can do anything about. However, that doesn’t mean you can’t get a great deal on a car loan. There are some things you can do to keep your monthly payments low and to save money on interest.

Common Car Loan Terms to Know

It’s worth taking the time to review some common terms that you are likely to see as you shop around for a loan. Being able to understand car loans can help you know whether you are getting a good interest rate.

Interest Rate and APR

You will encounter both interest rates and annual percentage rates (APR) when reviewing car loans. The two terms are similar, but the APR includes extra information that can help you determine which loan is the best deal.

Interest is the money you pay a lender for the use of the money you borrow. The interest rate is usually expressed as an annual percentage of the loan amount.

The APR includes the interest rate, but it also includes lender fees. The additional information the APR provides gives you a more complete picture of how much you are paying a lender for the borrowed money. At Fibre Federal, we charge no lender fees, so your APR is truly only the interest you pay.

Amortization

Amortization refers to making monthly payments on the money you borrow until it is repaid. For example, if you borrow $20,000 and make fixed monthly payments for six years, the loan is amortized for a period of six years.

Maturity date

The maturity date is the date that the loan is expected to be paid in full. If you have a loan term of 60 months, the maturity date would be at the end of the 60 months.

Default

Default on a loan occurs when you do not follow the loan agreement. The most common reason for default is failing to make the required monthly payments on time.

Loan term

The term refers to the length of time needed to repay a car loan. The most common term for a car loan is five years, although it can be longer or shorter.

Car Loan Factors You Can Influence

Although car loan interest rates are largely determined by forces outside of your control, this doesn’t mean you have to accept a bad deal. There are some things you can do to save money on both the price of the car and on the amount of interest you pay on the financing.

Your credit history

A major factor in qualifying for a car loan is your credit history. If you have poor credit or limited credit history, you may have trouble qualifying for a loan. Also, lenders consider those with high credit scores to be lower risk than other borrowers and often reward them with better loans. Keep in mind that at Fibre Federal Credit Union, we practice Rate Equality, so every qualified member receives the same low rate!

You are legally entitled to obtain one free credit report from each of the three credit bureaus (Experian, TransUnion, and Equifax) each year. If you find incorrect information on one of the reports, you can dispute the item with the reporting bureau and possibly have it removed to improve your score.

Down payment

The amount of down payment you make when buying a car can be a factor in determining how much interest you will pay and how much your monthly payments will be. Ideally, you want to make as much of a down payment as possible.

With a higher down payment, you may be able to structure your loan for a shorter term. This will help you to save money on the interest.

Buying new or used

Whether you buy a new or used car can have a major impact on how much you pay, your monthly payment, and the total amount of interest you pay on your loan. New cars depreciate rapidly and can lose as much as half of their value in the first five years of ownership.

A great way to potentially save thousands on a car is to purchase a gently used car. A low-mileage used model made by a company that is known for its quality and reliability will still have the majority of its life ahead of it – but for thousands less than a new one. Not only will you save big on the purchase price, but you may also be able to save money on interest by financing it for a shorter term.

Where you obtain your financing

If you go with a loan offered by a car dealership, you may not be getting the best deal. It’s worth your time to shop around for car loans before visiting dealerships and test driving cars to find the financing option that gives you the best interest rate possible. It’s recommended that you get pre-approve before you visit a dealership, or you can also ask for credit union financing right at the dealer. They can arrange a Fibre Federal loan for you while you make your purchase. Most local auto dealers participate in Credit Union Direct Lending (CUDL).

Be sure to check with your local banks and credit unions to see what they have to offer.

The main difference between banks and credit unions for car financing is that credit unions tend to have lower interest rates and fees. Credit unions are financial institutions that are owned by their members. Structured as non-profits, they are primarily focused on serving the needs of their members instead of turning a profit for shareholders.

Before You Buy a Car

A car is a major purchase, and it’s something you want to take your time with to make sure you find both the best car for your needs and the best loan. Before you visit car dealerships, it’s important to research which brands are high-quality and which models have the features you are looking for.

It’s also important to make sure you meet the requirements for car financing. Having all of the required information before you apply can save time and ensure a smooth process.

Style 3 is a slider of posts.

Please do not use this one inside of a tab, unless the tab is the first tab (being hidden on page load can cause issues with the slider's initial calculations.)

When buying a car, most people finance some or all of the loan amount. The price of new cars continues to climb as each decade passes, and few have enough money saved to write a check for the full amount.

The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs.

Interest rates for car loans constantly fluctuate. It isn’t something that you can do anything about. However, that doesn’t mean you can’t get a great deal on a car loan. There are some things you can do to keep your monthly payments low and to save money on interest.

Common Car Loan Terms to Know

It’s worth taking the time to review some common terms that you are likely to see as you shop around for a loan. Being able to understand car loans can help you know whether you are getting a good interest rate.

Interest Rate and APR

You will encounter both interest rates and annual percentage rates (APR) when reviewing car loans. The two terms are similar, but the APR includes extra information that can help you determine which loan is the best deal.

Interest is the money you pay a lender for the use of the money you borrow. The interest rate is usually expressed as an annual percentage of the loan amount.

The APR includes the interest rate, but it also includes lender fees. The additional information the APR provides gives you a more complete picture of how much you are paying a lender for the borrowed money. At Fibre Federal, we charge no lender fees, so your APR is truly only the interest you pay.

Amortization

Amortization refers to making monthly payments on the money you borrow until it is repaid. For example, if you borrow $20,000 and make fixed monthly payments for six years, the loan is amortized for a period of six years.

Maturity date

The maturity date is the date that the loan is expected to be paid in full. If you have a loan term of 60 months, the maturity date would be at the end of the 60 months.

Default

Default on a loan occurs when you do not follow the loan agreement. The most common reason for default is failing to make the required monthly payments on time.

Loan term

The term refers to the length of time needed to repay a car loan. The most common term for a car loan is five years, although it can be longer or shorter.

Car Loan Factors You Can Influence

Although car loan interest rates are largely determined by forces outside of your control, this doesn’t mean you have to accept a bad deal. There are some things you can do to save money on both the price of the car and on the amount of interest you pay on the financing.

Your credit history

A major factor in qualifying for a car loan is your credit history. If you have poor credit or limited credit history, you may have trouble qualifying for a loan. Also, lenders consider those with high credit scores to be lower risk than other borrowers and often reward them with better loans. Keep in mind that at Fibre Federal Credit Union, we practice Rate Equality, so every qualified member receives the same low rate!

You are legally entitled to obtain one free credit report from each of the three credit bureaus (Experian, TransUnion, and Equifax) each year. If you find incorrect information on one of the reports, you can dispute the item with the reporting bureau and possibly have it removed to improve your score.

Down payment

The amount of down payment you make when buying a car can be a factor in determining how much interest you will pay and how much your monthly payments will be. Ideally, you want to make as much of a down payment as possible.

With a higher down payment, you may be able to structure your loan for a shorter term. This will help you to save money on the interest.

Buying new or used

Whether you buy a new or used car can have a major impact on how much you pay, your monthly payment, and the total amount of interest you pay on your loan. New cars depreciate rapidly and can lose as much as half of their value in the first five years of ownership.

A great way to potentially save thousands on a car is to purchase a gently used car. A low-mileage used model made by a company that is known for its quality and reliability will still have the majority of its life ahead of it – but for thousands less than a new one. Not only will you save big on the purchase price, but you may also be able to save money on interest by financing it for a shorter term.

Where you obtain your financing

If you go with a loan offered by a car dealership, you may not be getting the best deal. It’s worth your time to shop around for car loans before visiting dealerships and test driving cars to find the financing option that gives you the best interest rate possible. It’s recommended that you get pre-approve before you visit a dealership, or you can also ask for credit union financing right at the dealer. They can arrange a Fibre Federal loan for you while you make your purchase. Most local auto dealers participate in Credit Union Direct Lending (CUDL).

Be sure to check with your local banks and credit unions to see what they have to offer.

The main difference between banks and credit unions for car financing is that credit unions tend to have lower interest rates and fees. Credit unions are financial institutions that are owned by their members. Structured as non-profits, they are primarily focused on serving the needs of their members instead of turning a profit for shareholders.

Before You Buy a Car

A car is a major purchase, and it’s something you want to take your time with to make sure you find both the best car for your needs and the best loan. Before you visit car dealerships, it’s important to research which brands are high-quality and which models have the features you are looking for.

It’s also important to make sure you meet the requirements for car financing. Having all of the required information before you apply can save time and ensure a smooth process.

List Items

The list content type is an easy and convenient way to create and sort lists of simple FAQs and similar content. List Items display like layout accordions. 

Lists can be created under Content - > Lists.

To show list items, select Content type : Lists. It can then be filtered by parent list. List items can also be manually selected if needed. 

Set the template to either Expandable List, Expanded List, or FAQ list. FAQ list comes pre-programmed with SEO relevant to FAQs. 

For all list templates, Style 1 is basic, Style 2 adds an expand all button, and Style 3 is a double column. With the FAQ list template, a title is automatically added at the top, which can be customized through the Title field in the widget's edit panel if needed. The other list templates only create the title if it is explicitly provided in this field.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Frequently Asked Questions

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

How to set up help-page-styled FAQs

Drop a grid. set the template to Responsive Grid and the style to "Style 3". Set the width to "Medium". Add the class "help-grid". The width setting is optional, the others are important. Technically, for a 3-wide help grid, Style 1 and "wide" width could be used.

Drop FAQs. Select three. Set the Style to Style 4. 

Each FAQ group's title and link are added through the Header and the two More Link fields under "List Settings". The first link allows selection of pages, the second is for pasting an url -- useful when linking to an anchor. If available, a page link will always take precedence over the custom link, so if using a custom link, ensure that More Link Url doesn't have a page selected.

Loans FAQs

How do I prevent fraud on my account?

Being proactive about fraud and scam situations is essential! You can find helpful tips and tricks for stopping fraud before it happens on our Fraud Prevention page.

What can I do if I am a fraud victim?

If you’ve provided sensitive account information to a scammer, contact us right away to help secure your accounts. If you believe you’ve become a victim of identity theft, refer to the Federal Trade Commission’s information about Identity Theft: What To Know – What To Do.
See All

Auto Loan FAQs

See All

To use similar styling and link structure for normal full-width  FAQs, the grid can simply be left out. 

Auto Loan FAQs

See All

Quicklinks

Despite the name, quicklinks should be considered as  "quicklinks and features" because it also can be used to add icon-title-summary sets to pages. These can have a link but do not need to. They can be displayed either through the "Quicklinks group" widget (discussed later) or the Content List widget.

Quicklinks can be created either under Content -> Quicklinks

Or when selecting quicklinks to add to the list

Quicklinks can be displayed through the Content List widget by setting the Content type to "Quicklinks" and the list to "Quicklink List" 

 

Further styles can be added to the Content List for Quicklinks if needed--for now, only one exists.

Testimonials

Testimonials can be created under Content -> Testimonials

Or when selecting testimonials in the content list widget.

They can be shown using the content list widget with the Content type set to Testimonials and the template set to Testimonial List or Testimonial Random List. 

Testimonials have two templates: "Testimonial List" and "Testimonial Random List".

 

Testimonial list shows all selected testimonials, either as a list or slider. 

Style 1 is a basic list. Style 2 is a simple slider. Style 3 is the same slider, but with additional styling and a title/button area. 

My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.

Customizable buttons Customizable Title

Great Service deserves to be celebrated. Tell us about the experience that made a difference for you!
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.

Testimonial Random list shows a random single testimonial from those selected. 

Style 1 is a designed element. Style 2 is a simple presentation that can be dropped inside any section. 

The title is customizable too.

The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly

Real Words, Real People from the PNW

Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle

Documents List

Provide a simple list of documents.

docx
test (docx)

Featured Blogs

Show the latest post from each selected blog. 

Community Communities First Program Founded in 2018, our Communities First Program supports education and healthcare related services. To date, we've donated $284,500 to seven community college foundations and 13 hospital foundations in our service areas. Read More
Financial Wellness Blog How Business Equipment Loans Can Help Your Company Grow Growing a business is always a tough balancing act between driving revenue and paying the bills. The right business equipment loan can help you get off the ground or reach the next level by making it easier to acquire the critical machinery or technology your company needs. Read More

Number Feature

Is a widget implemented to showcase numbers. Currently, the only style is the one shown on the homepage. It was set up as a widget so that the numbers can be easily changed at any time. It can be extended with more styles if needed for landing pages or promotionals (Contact your LKCS sales rep.) 

$1,000 Featured dollars.
500 This is a test number.

Quicklinks Group

This was set up to allow a group of quicklinks with a title and image to be showcased. The title of the main template defaults to "Other Members Also Liked" but can be customized. It can also be used to generate a list of features with the same special styling if quicklinks without links are selected.

It can be extended with more templates as needed.

Steps

Another widget with specialized styling. More templates can be added if needed.

  1. 1 Step 1 Step 1 Description

  2. 2 Careful! Do not make these too long.

Comparison Feature

Scroll all the way down to the special section to find this widget.

Compare

Product 1

Use the Comparison Feature to compare items Yes Click on More Details to access ability to add product rows
Row titles are optional Use Small for normal content
On mobile Basic is large
Row titles are used to label No No creates the X
Each column. Yes Yes creates the check
Schedule an Appointment

Product 2

Use the Comparison Feature to compare items Yes Types can be mixed between products if needed
Row titles are optional Yes
On mobile No
Row titles are used to label Yes
Each column. If an uneven number are provided, the widget will automatically generate rows to compensate. 
Apply for a Credit Card

Additional Widgets 

These were created later and do not have a full guide.

August 30, 2013

Received NCUA's Low-Income Designation (LDI), which extends the credit union's resources, funding, and flexibility to better serve people with limited incomes.

August 8, 2025

Designated a Juntos Avanzamos credit union, recognizing our commitment to empowering Hispanic and immigrant communities and supporting financial well-being for all.

August 24, 2022

Field of Membership expansion into Clark, Grays Harbor, Lewis, and Skamania Counties in Washington.

May 1, 2015

Acquired TLC Federal Credit Union, expanding the branch network and Field of Membership into Tillamook and Lincoln Counties, along the Oregon Coast.

June 13, 2013

Field of Membership expansion into Pacific County in Washington.

September 24, 2012

Field of Membership expansion into Columbia and Clatsop Counties in Oregon, and Wahkiakum County in Washington.

January 1, 2008

Merged with 1st Citizens Federal Credit Union in Longview, WA.

January 1, 1982

Merged with International Paper Company (IPCO) Federal Credit Union in Longview, WA.

September 1975

Fibre Federal changed to a community charter, allowing non-Fibre mill workers and their families in Cowlitz County to become members.

1971

Main Office branch opened (and is still in use to this day!).
Future Home of Fibre Federal Credit Union - People Helping People

1937

Sixty-three employees of Longview Fibre Company pooled together $315 and founded Fibre Federal Credit Union.

Anchor: richTextHtml

Accessing the HTML view in the Rich Text Editor

Although most of the site's features should not require anyone to do this, there exist a few column styles for paragraphs and lists and some other special features that could not be added to the sitefinity editor naturally. Additionally, this view can be used to clean up or double check code when needed.
To access the html view, click somewhere in the text box and then select the  </> in the top right corner. (If the </> isn't visible, the window may need to be made larger.) 

 

This view should not be used to add iframes, embed codes, etc. Those may get "cleansed" by the rich text editor's code cleaner. For embeds, please use the scripts and css widget instead.

Multi-column paragraphs

In order to avoid having to use the html view at all, these starter templates can just be copied where desired to preserve the relevant styling. To make a list or paragraph that already exists contain columns, tab to the html view and add class="cols-2" or class="cols-3" to the paragraph or list. A paragraph with cols-2 code looks like this, as an example of placement for the class:

<p class="cols-2">Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut

    aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.</p>

And a list looks like this:

<ul class="cols-2">
    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

 

For lists, the class check-list can also be added to unordered lists to invoke special styling, with examples below: 

<ul class="check-list ">
    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

Renders as : 

  • List item 1
  • List item 2
  • List Item 3
  • List item 4

With columns, the check list's code looks like:

<ul class="check-list cols-2">

    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

 

cols-2

Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

cols-3

Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Multi-column lists

cols-2

  1. List item 1
  2. List item 2
  3. List Item 3
  4. List item 4

cols-3

  1. List item 1
  2. List item 2
  3. List Item 3
  4. List item 4
  5. List Item 5
  6. List item 6

Examples of interactions with dark backgrounds

Style Guide

This page is a guide to the text and widget styles available on the site.


Text Styles


H2 Title

H3 Title

H4 Title

H5 Title
H6 Title

Paragraph Copy Lorem Ipsum

Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Color Text

Color2 Text

Color3 Text

Grey Text

Large Text

Small Text

Uppercase Text

Thin Text

Extra Bold Text

Color, Color2, Color 3, and Grey Text in a title

Lists

  • List Item 1
    1. List Item 1
    2. List Item 2
      • List item 1
      • List item 2
    • List item 1
    • List item 2
  • List Item 2
  • List Item 3
  • List item 4
  1. List Item 1
  2. List Item 2
    • List item 1
    • List item 2
  3. List Item 3
  4. List item 4
  • List item 1
  • List item 2
  • List Item 3
  • List item 4
  • List Item 1
    1. List Item 1
    2. List Item 2
      • List item 1
      • List item 2
    • List item 1
    • List item 2
  • List Item 2
  • List Item 3
  • List item 4
  • List item 1
  • List item 2
  • List Item 3
  • List item 4

Other

Callout Text Here

Quotation Cite

Line Rules

Separator



Flip badge callout

The flip badge would need a new color set of image designed. 

Splash Heading

Custom Title

When buying a car, most people finance some or all of the loan amount. The price of new cars continues to climb as each decade passes, and few have enough money saved to write a check for the full amount.

The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs.

Interest rates for car loans constantly fluctuate. It isn’t something that you can do anything about. However, that doesn’t mean you can’t get a great deal on a car loan. There are some things you can do to keep your monthly payments low and to save money on interest.

Common Car Loan Terms to Know

It’s worth taking the time to review some common terms that you are likely to see as you shop around for a loan. Being able to understand car loans can help you know whether you are getting a good interest rate.

Interest Rate and APR

You will encounter both interest rates and annual percentage rates (APR) when reviewing car loans. The two terms are similar, but the APR includes extra information that can help you determine which loan is the best deal.

Interest is the money you pay a lender for the use of the money you borrow. The interest rate is usually expressed as an annual percentage of the loan amount.

The APR includes the interest rate, but it also includes lender fees. The additional information the APR provides gives you a more complete picture of how much you are paying a lender for the borrowed money. At Fibre Federal, we charge no lender fees, so your APR is truly only the interest you pay.

Amortization

Amortization refers to making monthly payments on the money you borrow until it is repaid. For example, if you borrow $20,000 and make fixed monthly payments for six years, the loan is amortized for a period of six years.

Maturity date

The maturity date is the date that the loan is expected to be paid in full. If you have a loan term of 60 months, the maturity date would be at the end of the 60 months.

Default

Default on a loan occurs when you do not follow the loan agreement. The most common reason for default is failing to make the required monthly payments on time.

Loan term

The term refers to the length of time needed to repay a car loan. The most common term for a car loan is five years, although it can be longer or shorter.

Car Loan Factors You Can Influence

Although car loan interest rates are largely determined by forces outside of your control, this doesn’t mean you have to accept a bad deal. There are some things you can do to save money on both the price of the car and on the amount of interest you pay on the financing.

Your credit history

A major factor in qualifying for a car loan is your credit history. If you have poor credit or limited credit history, you may have trouble qualifying for a loan. Also, lenders consider those with high credit scores to be lower risk than other borrowers and often reward them with better loans. Keep in mind that at Fibre Federal Credit Union, we practice Rate Equality, so every qualified member receives the same low rate!

You are legally entitled to obtain one free credit report from each of the three credit bureaus (Experian, TransUnion, and Equifax) each year. If you find incorrect information on one of the reports, you can dispute the item with the reporting bureau and possibly have it removed to improve your score.

Down payment

The amount of down payment you make when buying a car can be a factor in determining how much interest you will pay and how much your monthly payments will be. Ideally, you want to make as much of a down payment as possible.

With a higher down payment, you may be able to structure your loan for a shorter term. This will help you to save money on the interest.

Buying new or used

Whether you buy a new or used car can have a major impact on how much you pay, your monthly payment, and the total amount of interest you pay on your loan. New cars depreciate rapidly and can lose as much as half of their value in the first five years of ownership.

A great way to potentially save thousands on a car is to purchase a gently used car. A low-mileage used model made by a company that is known for its quality and reliability will still have the majority of its life ahead of it – but for thousands less than a new one. Not only will you save big on the purchase price, but you may also be able to save money on interest by financing it for a shorter term.

Where you obtain your financing

If you go with a loan offered by a car dealership, you may not be getting the best deal. It’s worth your time to shop around for car loans before visiting dealerships and test driving cars to find the financing option that gives you the best interest rate possible. It’s recommended that you get pre-approve before you visit a dealership, or you can also ask for credit union financing right at the dealer. They can arrange a Fibre Federal loan for you while you make your purchase. Most local auto dealers participate in Credit Union Direct Lending (CUDL).

Be sure to check with your local banks and credit unions to see what they have to offer.

The main difference between banks and credit unions for car financing is that credit unions tend to have lower interest rates and fees. Credit unions are financial institutions that are owned by their members. Structured as non-profits, they are primarily focused on serving the needs of their members instead of turning a profit for shareholders.

Before You Buy a Car

A car is a major purchase, and it’s something you want to take your time with to make sure you find both the best car for your needs and the best loan. Before you visit car dealerships, it’s important to research which brands are high-quality and which models have the features you are looking for.

It’s also important to make sure you meet the requirements for car financing. Having all of the required information before you apply can save time and ensure a smooth process.

Frequently Asked Questions

Need technical support or have additional questions about Digital Wallets?

As much as we’d like to help you with all your concerns and questions, “technical” means different things to different smartphone users! But check out our handy list of providers who can help you get digital wallet set up on your mobile device today. By clicking on your mobile provider, you can get answers on how to use digital wallet and which devices are compatible.

If my card is blocked, can I still use my Digital Wallet to make purchases?

Fibre Federal Digital Wallet does not transfer your card number data but uses a unique “token” code for each transaction. This process is called “tokenization” and it helps safeguard your card information when you make a purchase.

This means that when you make a purchase, the digital wallet will generate a token instead of sending your credit or debit card information to the merchant. The token is used to process the payment while your personal information stays secure.

Plus, as an extra layer of protection, access to your Fibre Federal Digital Wallet is protected by a PIN or other security measure to prevent unwanted access.

Finally, by storing your cards digitally, you can worry less about them being lost or stolen. 

What do I do if I lose my device?

Password protect your smartphone, and install anti-virus software on your phone, such as Avast. Phones have been the latest targeting in SMS messaging, and apps that mimic banking apps, or run while using banking apps.

If you lose your device, contact your cell phone provider immediately. As a precaution, you can contact us at 1-800-205-7872 during business hours or 1-833-462-0796 after hours to block your card.

 

What do I do if my debit or credit card is lost or stolen?

If your card is lost or stolen, we are here to help. If you report suspicious activity to us we will stop further use of the impacted card, replace it and issue a new card number at no cost to you. Contact our 24/7 Card Care Center at 1-833-462-0796.

Real Words, Real People from the PNW

My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
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