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
List Item 1
List Item 1
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 1
List item 2
List Item 3
List item 4
List Item 1
List Item 1
List Item 2
List item 1
List item 2
List item 1
List item 2
List Item 2
List Item 3
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.
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.
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.
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.
Anchor: jumpLink
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.
Buttons have already been listed above, so they are skipped here.
News shares an appearance with Blogs but is not used because of the greater flexibility added by Blogs' ability to contain posts under a parent blog.
Events is not used on this site and rarely used in general-- if needed later, please contact us to add styling for it.
Nav extras is a module set up to allow the items to be selected into top level pages' title and properties tab for display on their nav dropdown. It should not be used in page content.
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.
Home equity loans and cash-out refinances are both similar financial tools used by homeowners who need a quick source of funding. If you're considering borrowing against your home, you want to understand the differences between a home equity loan vs. refinance cash-out.
Equity is the difference between what you owe on your mortgage and how much money you could get for your home if you sold it. This guide will help you understand the basics of both to help decide which is right for you!
HOW A HOME EQUITY LOAN WORKS
A home equity loan is a secured loan that allows you to borrow against your home’s equity. These loans offer a fixed interest rate and repayment term. The interest rate you’re approved for depends on your personal financial history — which includes factors such as your credit score, payment history, loan amount, and income.
If your credit improves after obtaining the loan, you might be able to refinance for a lower interest rate. Keep in mind, you’ll need a good amount of home equity to qualify — usually 15% to 20% or more. You'll pay these funds back on a fixed schedule over the loan term. Your monthly payment will be based on the amount borrowed, term length, and interest rate.
Repayment and Costs
If you take out a fixed-rate home equity loan, your payments are predictable over time. From the start of the loan, you know exactly what your interest rate and payments will be for the entire duration of the loan. These don’t change during the payback period. This allows for the easiest budgeting to factor into your financial plan.
Keep in mind the costs related to taking out a home equity loan. You may be required to pay additional fees such as closing costs, title work, and a home appraisal.
Also, since you’re using your home as collateral, lenders can foreclose on your property if you can’t make your payments.
HOW A CASH-OUT REFINANCE WORKS
A cash-out refinance happens when you refinance your current mortgage to a new mortgage — usually at a lower interest rate. In the process, you borrow more money than what’s needed to pay off your current mortgage. The first mortgage is then paid off in full and you get a lump-sum payout of the extra cash amount at closing.
There aren’t any restrictions on how the “cash-out” can be used, so it can be a great opportunity to pay down high-interest debt, make home improvements, or even put a down payment on an investment property or vacation home.
Costs and Fees
Closing costs with a cash-out refinance vary depending on where you live and your lender. To avoid any surprises, expect to pay between 2% - 5% of your loan on closing costs when you refinance. These costs are paid at closing and can include the mortgage origination fee, title search fee, attorney fees, points, prepaid interest, and other mortgage-related costs.
If you’re well-qualified, you could be offered a cash-out refinance loan without any closing costs. Keep in mind this usually means you’ll have a higher interest rate. While this will decrease your upfront costs, the tradeoff may be a higher monthly payment or paying more interest over the life of the loan.
Repayment
Repaying a cash-out loan requires a single monthly payment. Cash-out refinance rates are usually slightly higher than a traditional refinance rate. Your rate received depends on how much cash you want to take out plus your credit score. Typically rates can be anywhere from 0.125% to 0.5% higher than rates you find for a no-cash-out refinance mortgage.
Cash-out refinancing means you are borrowing money against the equity in your home and the home will be used as collateral. If the loan is not paid back in on-time monthly payments, the lender can put a lien on the property and foreclose.
CHOOSING A HOME EQUITY LOAN VS. REFINANCE CASH-OUT
When you’re considering a home equity loan or refinance cash-out, the best option depends on your personal finances. You want to know what your current mortgage rate is, the amount of equity you have in your home, and what you need the money for.
If you have a high mortgage interest rate or an adjustable-rate mortgage that’s about to increase to a higher rate, then a refinance cash-out is the better option. This enables you to refinance to a lower rate and get cash out at the same time.
However, if you have a low interest rate (under 4%) then you may not want to risk losing your low rate in a refinance. If this is the case, consider going for a home equity loan.
While both of these types of loans are secured by the equity in your home, they don’t require a mortgage refinance. Use our calculator to compare both options specific to your current financial situation.
ELEVATE YOUR HOME’S EQUITY AT FIBRE FEDERAL
Whether you choose a home equity loan or cash-out refinance, be sure to consider why you need the cash, when you need it (now or later), and how long you plan on staying in your home.
With Fibre Federal Credit Union, we ensure you get all the money you need, right when you need it, with our home equity loans.
Click below to learn more about our loan options and apply today!
Home equity loans and cash-out refinances are both similar financial tools used by homeowners who need a quick source of funding. If you're considering borrowing against your home, you want to understand the differences between a home equity loan vs. refinance cash-out.
Equity is the difference between what you owe on your mortgage and how much money you could get for your home if you sold it. This guide will help you understand the basics of both to help decide which is right for you!
HOW A HOME EQUITY LOAN WORKS
A home equity loan is a secured loan that allows you to borrow against your home’s equity. These loans offer a fixed interest rate and repayment term. The interest rate you’re approved for depends on your personal financial history — which includes factors such as your credit score, payment history, loan amount, and income.
If your credit improves after obtaining the loan, you might be able to refinance for a lower interest rate. Keep in mind, you’ll need a good amount of home equity to qualify — usually 15% to 20% or more. You'll pay these funds back on a fixed schedule over the loan term. Your monthly payment will be based on the amount borrowed, term length, and interest rate.
Repayment and Costs
If you take out a fixed-rate home equity loan, your payments are predictable over time. From the start of the loan, you know exactly what your interest rate and payments will be for the entire duration of the loan. These don’t change during the payback period. This allows for the easiest budgeting to factor into your financial plan.
Keep in mind the costs related to taking out a home equity loan. You may be required to pay additional fees such as closing costs, title work, and a home appraisal.
Also, since you’re using your home as collateral, lenders can foreclose on your property if you can’t make your payments.
HOW A CASH-OUT REFINANCE WORKS
A cash-out refinance happens when you refinance your current mortgage to a new mortgage — usually at a lower interest rate. In the process, you borrow more money than what’s needed to pay off your current mortgage. The first mortgage is then paid off in full and you get a lump-sum payout of the extra cash amount at closing.
There aren’t any restrictions on how the “cash-out” can be used, so it can be a great opportunity to pay down high-interest debt, make home improvements, or even put a down payment on an investment property or vacation home.
Costs and Fees
Closing costs with a cash-out refinance vary depending on where you live and your lender. To avoid any surprises, expect to pay between 2% - 5% of your loan on closing costs when you refinance. These costs are paid at closing and can include the mortgage origination fee, title search fee, attorney fees, points, prepaid interest, and other mortgage-related costs.
If you’re well-qualified, you could be offered a cash-out refinance loan without any closing costs. Keep in mind this usually means you’ll have a higher interest rate. While this will decrease your upfront costs, the tradeoff may be a higher monthly payment or paying more interest over the life of the loan.
Repayment
Repaying a cash-out loan requires a single monthly payment. Cash-out refinance rates are usually slightly higher than a traditional refinance rate. Your rate received depends on how much cash you want to take out plus your credit score. Typically rates can be anywhere from 0.125% to 0.5% higher than rates you find for a no-cash-out refinance mortgage.
Cash-out refinancing means you are borrowing money against the equity in your home and the home will be used as collateral. If the loan is not paid back in on-time monthly payments, the lender can put a lien on the property and foreclose.
CHOOSING A HOME EQUITY LOAN VS. REFINANCE CASH-OUT
When you’re considering a home equity loan or refinance cash-out, the best option depends on your personal finances. You want to know what your current mortgage rate is, the amount of equity you have in your home, and what you need the money for.
If you have a high mortgage interest rate or an adjustable-rate mortgage that’s about to increase to a higher rate, then a refinance cash-out is the better option. This enables you to refinance to a lower rate and get cash out at the same time.
However, if you have a low interest rate (under 4%) then you may not want to risk losing your low rate in a refinance. If this is the case, consider going for a home equity loan.
While both of these types of loans are secured by the equity in your home, they don’t require a mortgage refinance. Use our calculator to compare both options specific to your current financial situation.
ELEVATE YOUR HOME’S EQUITY AT FIBRE FEDERAL
Whether you choose a home equity loan or cash-out refinance, be sure to consider why you need the cash, when you need it (now or later), and how long you plan on staying in your home.
With Fibre Federal Credit Union, we ensure you get all the money you need, right when you need it, with our home equity loans.
Click below to learn more about our loan options and apply today!
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.)
Home equity loans and cash-out refinances are both similar financial tools used by homeowners who need a quick source of funding. If you're considering borrowing against your home, you want to understand the differences between a home equity loan vs. refinance cash-out.
Equity is the difference between what you owe on your mortgage and how much money you could get for your home if you sold it. This guide will help you understand the basics of both to help decide which is right for you!
HOW A HOME EQUITY LOAN WORKS
A home equity loan is a secured loan that allows you to borrow against your home’s equity. These loans offer a fixed interest rate and repayment term. The interest rate you’re approved for depends on your personal financial history — which includes factors such as your credit score, payment history, loan amount, and income.
If your credit improves after obtaining the loan, you might be able to refinance for a lower interest rate. Keep in mind, you’ll need a good amount of home equity to qualify — usually 15% to 20% or more. You'll pay these funds back on a fixed schedule over the loan term. Your monthly payment will be based on the amount borrowed, term length, and interest rate.
Repayment and Costs
If you take out a fixed-rate home equity loan, your payments are predictable over time. From the start of the loan, you know exactly what your interest rate and payments will be for the entire duration of the loan. These don’t change during the payback period. This allows for the easiest budgeting to factor into your financial plan.
Keep in mind the costs related to taking out a home equity loan. You may be required to pay additional fees such as closing costs, title work, and a home appraisal.
Also, since you’re using your home as collateral, lenders can foreclose on your property if you can’t make your payments.
HOW A CASH-OUT REFINANCE WORKS
A cash-out refinance happens when you refinance your current mortgage to a new mortgage — usually at a lower interest rate. In the process, you borrow more money than what’s needed to pay off your current mortgage. The first mortgage is then paid off in full and you get a lump-sum payout of the extra cash amount at closing.
There aren’t any restrictions on how the “cash-out” can be used, so it can be a great opportunity to pay down high-interest debt, make home improvements, or even put a down payment on an investment property or vacation home.
Costs and Fees
Closing costs with a cash-out refinance vary depending on where you live and your lender. To avoid any surprises, expect to pay between 2% - 5% of your loan on closing costs when you refinance. These costs are paid at closing and can include the mortgage origination fee, title search fee, attorney fees, points, prepaid interest, and other mortgage-related costs.
If you’re well-qualified, you could be offered a cash-out refinance loan without any closing costs. Keep in mind this usually means you’ll have a higher interest rate. While this will decrease your upfront costs, the tradeoff may be a higher monthly payment or paying more interest over the life of the loan.
Repayment
Repaying a cash-out loan requires a single monthly payment. Cash-out refinance rates are usually slightly higher than a traditional refinance rate. Your rate received depends on how much cash you want to take out plus your credit score. Typically rates can be anywhere from 0.125% to 0.5% higher than rates you find for a no-cash-out refinance mortgage.
Cash-out refinancing means you are borrowing money against the equity in your home and the home will be used as collateral. If the loan is not paid back in on-time monthly payments, the lender can put a lien on the property and foreclose.
CHOOSING A HOME EQUITY LOAN VS. REFINANCE CASH-OUT
When you’re considering a home equity loan or refinance cash-out, the best option depends on your personal finances. You want to know what your current mortgage rate is, the amount of equity you have in your home, and what you need the money for.
If you have a high mortgage interest rate or an adjustable-rate mortgage that’s about to increase to a higher rate, then a refinance cash-out is the better option. This enables you to refinance to a lower rate and get cash out at the same time.
However, if you have a low interest rate (under 4%) then you may not want to risk losing your low rate in a refinance. If this is the case, consider going for a home equity loan.
While both of these types of loans are secured by the equity in your home, they don’t require a mortgage refinance. Use our calculator to compare both options specific to your current financial situation.
ELEVATE YOUR HOME’S EQUITY AT FIBRE FEDERAL
Whether you choose a home equity loan or cash-out refinance, be sure to consider why you need the cash, when you need it (now or later), and how long you plan on staying in your home.
With Fibre Federal Credit Union, we ensure you get all the money you need, right when you need it, with our home equity loans.
Click below to learn more about our loan options and apply today!
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.
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.
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.
Paying off credit card debt can come with a lot of stress, but it doesn't have to. When you're a Visa® Classic Credit Card holder, you can enjoy a non-variable annual percentage rate of just {{RATE}}* - much lower than the 30.5% average rate on a bank credit card.**
Competitive Rates
Paying off credit card debt can come with a lot of stress, but it doesn't have to. When you're a Visa® Platinum Credit Card holder, you get a special low introductory rate of 1.9% APR* on purchases and balance transfers for the first six billing cycles. After that, you'll enjoy a competitive {{RATE}}APR* - much lower than the 30.5% average rate on a bank credit card.**
Higher Balance, Lower Rate
Enjoy a higher limit than our Visa Classic Card with a low rate to go with it!
Home Equity Limited Draw Line of Credit
This fixed rate secured loan provides a lump sum amount with regular monthly payments. This is a good choice for consolidating your debts, purchasing big ticket items, or taking that dream vacation.
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
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 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.
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
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
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.
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.
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
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.
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 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.
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.
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
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
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.
Customizable buttons Customizable Title
Great Service deserves to be celebrated. Tell us about the experience that made a difference for you!
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.
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
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
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
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
Real Words, Real People from the PNW
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!
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Customizable title
Skip the Fees
No annual fee, no balance transfer fee, no cash advance fee, plus a 30-day grace period.
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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!).
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.)
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cols-3
List item 1
List item 2
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List item 4
List Item 5
List item 6
List item 1
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List item 1
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List Item 5
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aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Home equity loans and cash-out refinances are both similar financial tools used by homeowners who need a quick source of funding. If you're considering borrowing against your home, you want to understand the differences between a home equity loan vs. refinance cash-out.
Equity is the difference between what you owe on your mortgage and how much money you could get for your home if you sold it. This guide will help you understand the basics of both to help decide which is right for you!
HOW A HOME EQUITY LOAN WORKS
A home equity loan is a secured loan that allows you to borrow against your home’s equity. These loans offer a fixed interest rate and repayment term. The interest rate you’re approved for depends on your personal financial history — which includes factors such as your credit score, payment history, loan amount, and income.
If your credit improves after obtaining the loan, you might be able to refinance for a lower interest rate. Keep in mind, you’ll need a good amount of home equity to qualify — usually 15% to 20% or more. You'll pay these funds back on a fixed schedule over the loan term. Your monthly payment will be based on the amount borrowed, term length, and interest rate.
Repayment and Costs
If you take out a fixed-rate home equity loan, your payments are predictable over time. From the start of the loan, you know exactly what your interest rate and payments will be for the entire duration of the loan. These don’t change during the payback period. This allows for the easiest budgeting to factor into your financial plan.
Keep in mind the costs related to taking out a home equity loan. You may be required to pay additional fees such as closing costs, title work, and a home appraisal.
Also, since you’re using your home as collateral, lenders can foreclose on your property if you can’t make your payments.
HOW A CASH-OUT REFINANCE WORKS
A cash-out refinance happens when you refinance your current mortgage to a new mortgage — usually at a lower interest rate. In the process, you borrow more money than what’s needed to pay off your current mortgage. The first mortgage is then paid off in full and you get a lump-sum payout of the extra cash amount at closing.
There aren’t any restrictions on how the “cash-out” can be used, so it can be a great opportunity to pay down high-interest debt, make home improvements, or even put a down payment on an investment property or vacation home.
Costs and Fees
Closing costs with a cash-out refinance vary depending on where you live and your lender. To avoid any surprises, expect to pay between 2% - 5% of your loan on closing costs when you refinance. These costs are paid at closing and can include the mortgage origination fee, title search fee, attorney fees, points, prepaid interest, and other mortgage-related costs.
If you’re well-qualified, you could be offered a cash-out refinance loan without any closing costs. Keep in mind this usually means you’ll have a higher interest rate. While this will decrease your upfront costs, the tradeoff may be a higher monthly payment or paying more interest over the life of the loan.
Repayment
Repaying a cash-out loan requires a single monthly payment. Cash-out refinance rates are usually slightly higher than a traditional refinance rate. Your rate received depends on how much cash you want to take out plus your credit score. Typically rates can be anywhere from 0.125% to 0.5% higher than rates you find for a no-cash-out refinance mortgage.
Cash-out refinancing means you are borrowing money against the equity in your home and the home will be used as collateral. If the loan is not paid back in on-time monthly payments, the lender can put a lien on the property and foreclose.
CHOOSING A HOME EQUITY LOAN VS. REFINANCE CASH-OUT
When you’re considering a home equity loan or refinance cash-out, the best option depends on your personal finances. You want to know what your current mortgage rate is, the amount of equity you have in your home, and what you need the money for.
If you have a high mortgage interest rate or an adjustable-rate mortgage that’s about to increase to a higher rate, then a refinance cash-out is the better option. This enables you to refinance to a lower rate and get cash out at the same time.
However, if you have a low interest rate (under 4%) then you may not want to risk losing your low rate in a refinance. If this is the case, consider going for a home equity loan.
While both of these types of loans are secured by the equity in your home, they don’t require a mortgage refinance. Use our calculator to compare both options specific to your current financial situation.
ELEVATE YOUR HOME’S EQUITY AT FIBRE FEDERAL
Whether you choose a home equity loan or cash-out refinance, be sure to consider why you need the cash, when you need it (now or later), and how long you plan on staying in your home.
With Fibre Federal Credit Union, we ensure you get all the money you need, right when you need it, with our home equity loans.
Click below to learn more about our loan options and apply today!
Terms up to 84 Months
Keep your monthly payments nice and low with flexible terms up to 84 months.
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
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.
