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| Loan Products |
| First Federal offers a wide variety of consumer loan products and can customize one to suit your needs. Click on any of the featured products below for a brief description. We also offer Commercial Loans, VISA Credit Cards, Home Equity Lines of Credit, and Share Loans. If you have questions about a program or just need more information, contact us for the Loan Officer nearest you.
We offer consumer loan applications for Home Equity, Auto, and Personal Loans. Simply click on the application link of your choice shown on the left side of this screen, complete the application, print, and either drop it off while you visit with any of our Loan Officers, mail to First Federal Bank of Louisiana, P.O. Box 1667, Lake Charles, LA 70602-1667, Attn: Online Lending or fax to Online Lending at 337.421.1305. Also, please print a copy for your records.
To apply for a home improvement loan, click on our Quick Application link.
First Federal is currently accepting applications from residents of Calcasieu, Beauregard, Natchitoches, Allen, and Rapides Parishes in the State of Louisiana. Property used as security must also be located in the above listed parishes.
Home Equity
Auto
Personal
VISA Credit
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| Home Equity Loans |
| Used to obtain the equity in your home for any worthwhile purpose. May be advantageous for income tax purposes, depending upon your situation. The minimum loan amount is $5,000.00.
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| Auto Loans |
| Automobile loans provide funds for either the purchase or refinance of a new or used automobile. The minimum loan amount for a 72 month term is $25,000.00.
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| Personal Loans |
| Useful for personal needs such as major appliances, vacations, personal computers, and recreational equipment. Competitive rates and terms. Unsecured Lines of Credit. Quick approval and funding. Rate discounts for First Federal checking and automatic draft payments. Maximum term is 36 months.
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| VISA Credit Cards |
Carry our First Federal Bank VISA credit card that offers you a World of Advantages. You'll enjoy doing business with a local institution that you know and can trust. Call any of our Loan Officers at our convenient locations to apply today. The features and benefits are shown below.
| Features |
Classic |
Gold |
Platinum |
APR (Fixed)
Purchases
Cash Advances |
12.95%
14.95% |
9.90%
11.90% |
8.90%
10.90% |
| High Credit Lines |
$6,500 |
$15,000 |
$25,000 |
| Annual Fee |
None |
None |
None |
| Balance Transfer Fee |
None |
None |
None |
| 25 Day Grace Period |
Yes |
Yes |
Yes |
| CashBack - Cash Rewards |
No |
Yes |
No |
| Online Access and Bill Payment |
Yes |
Yes |
Yes |
| Bonus Point Rewards |
No |
No |
Yes |
| Benefits |
Classic |
Gold |
Platinum |
| Automatic Auto Renter's Liability Insurance |
Yes |
Yes |
Yes |
| Auto Rental Discounts |
Yes |
Yes |
Yes |
| Concierge Service |
Yes |
Yes |
Yes |
| Credit Card Registration |
Yes |
Yes |
Yes |
| Discount Pharmacy |
No |
Yes |
No |
| Personal Shopper |
No |
Yes |
Yes |
| Eyewear Discounts |
No |
Yes |
No |
| Hotel/Motel Burglary Insurance |
Yes |
Yes |
Yes |
| Key Registration Service |
Yes |
Yes |
Yes |
| Lost Luggage Locator |
Yes |
Yes |
Yes |
| Lost or Damaged Luggage Insurance |
Yes |
Yes |
Yes |
| Medical Assistance |
Yes |
Yes |
Yes |
| Quarterly Newsletter |
Yes |
Yes |
Yes |
| Travel Accident Insurance |
Yes |
Yes |
Yes |
| Travel Dividends (Airfare and Hotel/Motel) |
Yes |
Yes |
Yes |
| Travel Reservation Service (toll-free) |
Yes |
Yes |
Yes |
| Identity Theft Insurance |
No |
No |
Yes |
| Identity Theft Assistance |
No |
No |
Yes |
| 90- Day Product Protection |
No |
No |
Yes |
| Extended Warranty |
No |
No |
Yes | Please refer to this table for Visa credit card rates. For rates on other Loan Products, click the link below.
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