As a Third Federal customer, you’re automatically enrolled in our Loyalty Perks program. And we always keep the offering fresh, which means you can enjoy a wide variety of perks—just for being a valued customer. You can even share these benefits with family and friends!

Current Perks   

• .25% discount off Home Equity Loan rates
• Relock your rate on all Smart Rate mortgages for only $495¹
• $250 off closing costs for any Third Federal purchase mortgage
• No cost recasting to help lower your monthly payment²

Loyalty Perks benefits expire 3/31/2025. To be eligible for Loyalty Perks you must have an outstanding Third Federal mortgage loan, home equity loan, or have an established outstanding Third Federal deposit account that has been open for at least 6 months, or be referred by an eligible member. Loyalty Perks are only applicable when the loan/line limit is originated via Third Federal retail channel only. ¹Relocked loan will be based on same remaining term and loan type as the customer’s current loan. Relocked rate is based on customer’s original loan amount. Typical relock fee is $495 ($695 in NY).” ²For Recasting, the principal payment of $5,000 must be made in one payment and must be accompanied by a written request or signed “Agreement for Modification or Extension of Mortgage” to your existing Third Federal Mortgage, does not apply to any home equity products. Program benefits and program rules are subject to change without notice. Product features are subject to change.