We want to finance it for you!
Your home, vehicles, motorcycles, boats, personal watercraft or home improvements - you name it.
Residential Mortgage Rates - Locally-Retained Service
The rates and APRs shown are based on a loan amount of $100,000, 75% LTV, and a 780 minimum credit score for purchasing a single-family residence. They are subject to change without notice. Rate and APR may be adjusted based on several factors including but not limited to the loan amount, loan type, occupancy type, property type, Loan To Value (LTV) and your credit score. Your final rate may be higher or lower than quoted based upon information about these factors, which may be determined after you submit your application.
NMLS ID 435120
Our Lending Team
Your Life. Your choice.
Earn more rewards for all your everyday purchases.1
3X the points
Grocery Stores, Discount Stores, Gas Stations, Restaurants and Fast Food
1X the points
All other purchases
Apply Online Today for a Simply Rewards™ Visa® Credit Card
We make it easy to redeem
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com. Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1
Additional Visa Benefits
Fraud Protection
- Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.2
Others
- Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3
Mobile Pays Supported
Online Credit Card Control
View transactions, pay bills and track expenses.
Includes eStatements with 18 months of history.
Cardholder Self-Service Contacts
Online Account Access – www.cardcenterdirect.com
Rewards Points Redemption – www.cardcenterdirect.com
Customer Service – 1.800.821.5184
Cards issued by UMB Bank, n.a.
- Cardholders earn three (3) points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other purchases. See Simply Rewards Rules for details.
- If you are approved with a credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See the Guide to Benefits and Cardholder Agreement that accompanies your card for details. Certain terms and conditions apply.
- Visa's Zero Liability Policy covers S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
See the card application for important rate, fee and program information.
We can help to simplify your life.
We invite you to visit with one of our dedicated New Accounts Representatives and find out for yourself why First Federal Savings Bank of Champaign-Urbana is the place to help you get what you want out of life.