Personal Loans

Signature Loans

A signature loan is an unsecured loan that only requires your signature without further collateral. Signature loans can be used for financing larger purchases, unexpected expenses or for debt consolidations. DFDFCU offers signature loans with competitive fixed rates and loan terms from 1 to 4 years.

Risk based pricing and standard credit qualifications apply. All loans are subject to final credit approval.

Overdraft Line of Credit

The Overdraft Line of Credit is an unsecured line of credit that is linked to your checking account. If ever a transaction will overdraw your checking account, the overdraft line of credit is advanced to cover the transaction and protects you from being charged NSF fees and return item fees. Payments are due monthly when there is an outstanding balance on the loan.

Risk based pricing and standard credit qualifications apply. All loans are subject to final credit approval.

Secured Loans

Share Secured Loan

Share secured loans are loans that are fully secured by your Share Savings or Money Market account at DFDFCU. This is a great way to maintain the balance in your account, plus you continue to earn interest on the savings pledged as collateral. A share secured loan can help you rebuild credit, finance expenses without depleting your reserves, or help to establish credit. Share secured loans can be obtained for terms up to 10 years and rates are based on the rate of the share securing the loan.

Certificate of Deposit Secured Loan

Certificate of Deposit secured loans are fully secured by your Certificate of Deposit (CD) at DFDFCU. The interest rate is based on the dividend rate you currently are earning on your certificate, and the terms of the loan equal the term of your CD. Like a share secured loan, a CD secured loan can help you establish credit, rebuild credit, or finance expenses without depleting your reserves.

Auto Loans

In the market for a new or used vehicle? DFDFCU is here to help every step of the way, whether you’re ready to buy or just beginning your search.


Bring your new or used titled vehicle to us and receive $195 and a lowered interest rate. DFDFCU is your credit union and we want to help you save money by reducing your current interest rate by .25%!*

5 Reasons to Bring Your Auto Loan Home!

1. You'll lower your interest rate. 
2. You'll lower your monthly payment. 
3. There are no hidden fees, hidden charges or prepayment penalties. 
4. You will receive $195 automatically into your DFDFCU account!*
5. We're exclusive - we ONLY serve professional firefighters and their families. 

 *APR = Annual Percentage Rate. .25% APR off “current rate” will be honored down to a 2.50% APR floor, upon credit approval. The .25% reduction off the matched rate will only be effective on a 60-month term or less. For 72 or 84 month terms, the rate will still be matched but the .25% rate reduction will not be offered. Current rate must be confirmed through payoff documentation from other financial institution. To qualify for the $195 cash back offer, members must be transferring a non-delinquent new or used titled vehicle to DFDFCU from a different financial institution, with a minimum balance of $4,500 and a minimum term of 36 months. A credit report on all borrowers will be obtained in connection with this loan offer. $195 will be transferred into your DFDFCU account after loan closes. $195 may be reported as other income on a 1099 for account owner. Titled Vehicles include new and used autos, motorcycles, RV's, motorhomes and travel trailers.

 View Our Rates

New Vehicle Loans

• Financing available up to 120% of the cash purchase price at very competitive rates

• Full financing available for those who qualify

• Terms available up to 84 months

Risk based lending rates apply and a credit application is required

Used Vehicle Loans

  • We will finance up to 115% of the NADA value at very competitive pricing
  • Terms available up to 84 months

Risk based lending rates apply and a credit application is required

Apply Online



If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth. GAP PLUS can help cover that difference and potentially save you thousands of dollars!

Your loan/lease payoff: $20,000
Vehicle value determined by primary insurance: -$16,000
Primary insurance deductible: -$500*
Your responsibility without GAP PLUS: $4,500
GAP PLUS will help cover: $4,500*
You owe after GAP PLUS*: $0

Plus, receive an additional benefit of a $1,000 deduction toward your next vehicle loan if financed within 90 days of the GAP claim settlement.

*Subject to certain exclusions and benefit limitations. Please refer to your GAP Addendum or Certificate for all terms and conditions. GAP PLUS feature is not available in all states.

Route 66 Warranty


Be ready for the unexpected and ensure you’re covered in the event a mechanical breakdown occurs. With Mechanical Breakdown Protection from Route 66 Warranty, you can rest easy knowing you are covered.

Route 66 Warranty’s Mechanical Breakdown Protection Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires providing added resale value.

If your car is declared a total loss by the insurance company due to collision or act of God, Route 66 Warranty will refund the entire original premium of your service agreement.


Credit Union Auto Buying Service

Would you like help locating the exact vehicle that you’re looking for? Would you like a new, refreshing, no pressure way to find your next car? Credit Union Auto Buying Service is DFDFCU’s preferred auto buying service. Their consultants will help you:

  • Locate new or pre-owned vehicles and motorcycles
  • Negotiate the price with the dealer or auction
  • Arrange test drives and deliver the vehicle to you
  • Make all the arrangements to process your loan at the dealer or DFDFCU

Credit Union Auto Buying Service can also help you save money by:

  • Providing you with vehicles to purchase after negotiating excellent pricing
  • Tracking all current manufacturers’ rebates and incentives that they can pass onto you
  • Not charging dealer delivery or handling fees when you purchase a vehicle directly from CU Auto Buying Service

Credit Union Auto Buying Services Logo

You can contact DFDFCU’s Service Specialist, Jim Kjellson, by calling (303) 261-6721 or email Jim at

Recreational Vehicles

We live in Colorado to enjoy the beautiful outdoors. Let DFDFCU help you enjoy it more with a new motorcycle, ATV, snowmobile, or RV (motorhome, pop up, 5th wheel). DFDFCU offers great rates and terms so you have a little more to fill up the gas tank.

Our recreational vehicle loans were created to help you by:

  • Loan to values approved up to 110%
  • Great rates with financing options up to 120 months, depending on the collateral.

Risk based lending rates apply and a credit application is required

*Standard credit qualifications apply. All loans are subject to final credit approval. Any rates disclosed regarding any loan product with DFDFCU are disclosed in APR – Annual Percentage Rate

Credit Cards

No Annual fee, no balance transfer fees, plus great rates make the DFDFCU card a no-brainer for our members. We also donate a percentage of our Credit Card’s merchant interchange income to The Colorado Professional Firefighter Foundation (CPFF) that supports fallen firefighters and their families.

So, the more members that use the credit card to make their purchases, the more Denver Fire Department FCU will donate to the foundation. Based on our member’s credit card usage, we have donated over $180,000 since 2007.

Denver Fire Department FCU believes in the practice of building strong financial management and recommends that you pay off your balances monthly to avoid interest and getting caught in the credit card debt trap.

DFDFCU offers rewards and non-rewards card options to our members:

  • No annual fee
  • No balance transfer fees
  • 25-day grace period on purchases
  • ATM and cash advance options
  • UChoose Rewards (when rewards card selected at the time of application)

Apple Pay

You can use your Denver Fire Dept FCU credit card with Apple Pay at a variety of merchants in stores, within apps and online. Apple Pay is an easy, secure way to pay in stores, within apps, and online with your iPhone®, Apple Watch®, iPad®, and Mac. You can quickly check out using the devices you carry every day. Look for either of these symbols at checkout:


Google Pay

Google Pay™ is the fast, simple way to pay with your Denver Fire Dept FCU credit card in stores, in apps and online. Use your eligible Denver Fire Dept FCU debit or credit card with Google Pay at a variety of merchants, in stores, in apps and online. Look for either of these symbols at checkout:


Do you see unusual credit card transactions? Please click here for information.

Lost VISA Card and 24-hour service: (866) 270-3864

Traveling soon and planning to use your Visa credit card? Click here to fill out our secure Travel Notification form.

Sallie Mae LogoStudent Loans

For college expenses not covered by scholarships and federal loans, DFDFCU has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Click here to apply and learn more


Contact a DFDFCU Personal Banker to find the best loan product for you.

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