Personal Loan Solutions

At First Federal, we understand you have many lenders to choose from in the area. Consider the benefits of working with a local lender that knows Yamhill County, from its rural properties to its city homes.             


Purchase Loan

We offer 15, 20, and 30 year terms and up to 97% financing.

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Refinance Loan

Getting a new mortgage to replace your current one may be the right solution.

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Construction Loan

A construction loan is a short-term loan - usually about nine months - used to fund the construction of your home, from breaking ground to moving in. Not only do we roll construction costs and permanent financing into one convenient package, we also close up-front on permanent financing, hold your interest rate at application, accept 'interest only' payments as funds, and have no prepayment penalties.

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Land Loan

A rural dream home starts with the perfect piece of land to build it on. 

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Home Equity Line of Credit (HELOC)

Get ongoing access to funds for home improvements, debt consolidation, education, and other major expenses.

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Home Equity Loan

Considering a home renovation, debt consolidation, or other major expenses? A home equity loan may help.

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First-Time Home Buyer Program

Owning a home is a dream for many. This program eliminates the barriers to home ownership for potential borrowers with earnings at 90% or less of the median income levels in Yamhill County.

This approach carries with it several criteria, including eligibility requirements, credit score minimums, cash equity investments and certain income levels for buyers. The property to be purchased must meet its own set of rules, plus there are loan stipulations to take into consideration.

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Auto Loans

Time for a new vehicle, motorcycle, ATV, or boat? Get what you need (or want) with a First Federal Auto Loan.

You may be eligible for our Express Auto Loan Program if you're applying for $50,000 or less, have a 700+ credit score, and have one year of stable employment.

1Vehicles with more than 120,000 miles not eligible for financing.

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There are many financial decisions involved in purchasing or refinancing a home. Use our calculators to help you decide some of those decisions. 

Private Mortgage Insurance Overview

One important question you must consider during the home-buying process: Would you like the option of a down payment? If the answer is yes, you should know about private mortgage insurance (PMI).


Credit Sense

Staying on top of your credit score doesn't have to be a struggle. Credit Sense allows you to check your credit score at any time, right from your phone or computer!

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Community Matters

Our philosophy continues to guide our decision-making and strengthen our dedication to our customers and our community. When you bank with us, your money is invested here and stays here, working for and giving back to our community.

Giving Programs

Community Support

Financial Education



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