Consumer Loan Programs

Whether it is buying a new car, debt consolidation or that remodel project, Fidelity Federal has a loan to fit your needs.

Loan Options

Home Equity Lines of Credit

Our Home Equity Lines of Credit have 10 year draw terms with a monthly variable interest rate based on Prime Rate as published in the Wall Street Journal. The rate will not vary above 18% APR nor below current Prime Rate. You may pay down your line at any time with no penalty and retain it for future use. An annual fee of $50.00 will apply after the first year. An early termination fee of $250 will apply if account is closed within 36 months of opening.

HOME EQUITY LINE OF CREDIT - SPECIAL INTRO RATE FOR 6 MONTHS - Limited Time Offer  2/1/2019 thru 3/31/2019
Intro Rate for 6 months    1.99%APR   Adjusts to variable rate as low as 5.25% APR  (current Prime Rate as of 12/17/2018)

    After the 1.99% Annual Percentage Rate (APR) 6 month introductory period, the APR on a home equity line of credit will adjust to the variable interest rate based on Prime Rate as published in the Wall Street Journal.  (5.25% current as of 12/17/2018 or minus a margin with a minimum of 5.25%)
   The rate will not vary above 18%APR nor below the floor in effect at your closing date.  Prime may change at any time and is subject to change without notice.
   The introductory rate period begins on the date of account opening.  Offer only for owner occupied properties.
    After introductory period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the Home Equity Line of Credit Agreement.
    A minimum loan amount of $10,000 in new money and an automatic payment from a Fidelity Federal Savings and Loan checking account is required to receive the introductory rate of 1.99% APR. 
   10 year draw terms.  You may pay down your line at any time with no penalty and retain it for future use.
    An Annual fee of $50 will apply after the first year.  An early termination fee of $250 will apply if closed within 3 years.
    Loan to Value qualifications apply.
    Closing Costs may be waived.  Processing Fees may be waived
CONTACT one of our Loan Officers for details.

Consult your tax advisor regarding tax deductibility of interest

Home Equity Loans

Choose from a 5 year, 10 year or 15 year amortization and a fixed rate with no prepayment penalty.

Consult your tax advisor regarding tax deductibility of interest.

Share Loans

Use your savings at Fidelity Federal as collateral for your loan. You may borrow 90% of your account balance and pay a low interest rate on borrowed funds.

Auto Loans

We offer fixed rate loans up to 84 months available on new or used automobiles. Please contact our Lending Department for current rates.

Automatic Payments

Use our automatic payment program to schedule monthly deductions from your deposit account at Fidelity Federal or an outside institution at no additional charge.

Side Bar Table

Meet our Lending Team

Our lending team is ready to help you with your auto loan, home equity loan or other loan needs. Contact our Lending Department today for details and eligibility requirements.

Team - Rick VanHouten 2

Rick VanHouten

Vice President, Chief Lending Officer

NMLS #426582

Phone: 740-363-1284
Cell: 567-231-9569
Fax: 740-422-1429

Email Rick

Address:
60 N. Sandusky St.
Delaware, OH 43015

Team - Anissa Barkley

Anissa Barkley

Branch Manager-Main Office, Loan Officer

NMLS #1771386

Phone:  740-363-1284
Fax:  740-363-5900

Email Anissa

Address:
60 N. Sandusky St.
Delaware, OH 43015

Team - Angie Kitchen

Angie Kitchen

Branch Manager –Westfield Office, Loan Officer

NMLS #1253316

Phone: 740-363-1233
Fax: 740-363-5483

Email Angie 

Address:
1940 St. Rt. 37 W
Delaware, OH 43015

Team - Placeholder

To be Announced

Universal Banker

NMLS #

Phone:  
Fax:

EMAIL not available

Address:
60 N. Sandusky St
Delaware, OH 43015

Team - Jody Durr

Jody Durr

Asst. Branch Manager-Westfield Office,
Universal Banker

NMLS #1771417

Phone:  740-363-1233
Fax: 740-363-5483

EMAIL JODY

Address:
1940 St. Rt. 37 W
Delaware, OH 43015

 

 

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