Auto/Van (new)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | As low as 2.74% APR* | As low as 3.24% APR* |
| 37-60 | As low as 2.99% APR* | As low as 3.49% APR* |
| 61-72 | As low as 3.74% APR* | As low as 4.24% APR* |
| 73-84 | As low as 4.24% APR* | As low as 4.74% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum loan $100,000. Minimum loan amount for 72-month term is $20,000. 100% - 120% values applicable to purchases and refinances only. Car cannot be registered plus have more than 1,000 miles. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $28.92 per $1,000 borrowed at 2.74% APR.
Auto/Van (used)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | As low as 3.24% APR* | As low as 3.74% APR* |
| 37-60 | As low as 3.49% APR* | As low as 3.99% APR* |
| 61-72 | As low as 4.24% APR* | As low as 4.74% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum loan $100,000. Minimum loan amount for 72-month term is $20,000. 100% - 120% values applicable to purchases and refinances only. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $29.12 per $1,000 borrowed at 3.24% APR.
RV, Motorhome, Trailer, Boat (new)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-84 | As low as 4.74% APR* | As low as 5.24% APR* |
| 85-120 | As low as 4.99% APR* | As low as 5.49% APR* |
| 121-144 | As low as 5.74% APR* | As low as 6.24% APR* |
| 145-180 | As low as 6.74% APR* | As low as 7.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum loan $200,000. 110% - 120% values applicable to purchases and refinances only. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 84 monthly payments of $13.96 per $1,000 borrowed at 4.74% APR.
RV, Motorhome, Trailer, Boat (used)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-84 | As low as 5.74% APR* | As low as 6.24% APR* |
| 85-120 | As low as 5.99% APR* | As low as 6.49% APR* |
| 121-144 | As low as 6.74% APR* | As low as 7.24% APR* |
| 145-180 | As low as 7.74% APR* | As low as 8.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
Maximum loan $150,000. 110% - 120% values applicable to purchases and refinances only. Interest rate and down payment, which may be required, will be based on amount financed, the loan term, and credit-worthiness. The APR will not increase after consummation of the loan. On approved credit.
Terms of repayment unit-cost example: 84 monthly payments of $14.42 per $1,000 borrowed at 5.74% APR.
Motorcycle (new)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | As low as 3.74% APR* | As low as 4.24% APR* |
| 37-60 | As low as 3.99% APR* | As low as 4.49% APR* |
| 61-72 | As low as 4.74% APR* | As low as 5.24% APR* |
*APR=Annual Percentage Rate.*
Rates current as of 12/1/12.
On approved credit. Maximum loan $50,000. 100% - 120% values applicable to purchases and refinances only. Motorcycle cannot be registerd plus have more than 1,000 miles. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $29.34 per $1,000 borrowed at 3.74% APR.
Motorcycle (used)
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | As low as 4.74% APR* | As low as 5.24% APR* |
| 37-60 | As low as 4.99% APR* | As low as 5.49% APR* |
| 61-72 | As low as 5.74% APR* | As low as 6.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum loan $50,000. 100% - 120% values applicable to purchases and refinances only. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $29.76 per $1,000 borrowed at 4.74% APR.
Mobilehome (new)
| Term (in months) | 80%-100% of Value Financed |
|---|---|
| 0-84 | As low as 5.74% APR* |
| 85-144 | As low as 5.99% APR* |
| 145-180 | As low as 6.74% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
Maximum loan $200,000. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 84 monthly payments of $14.42 per $1,000 borrowed at 5.74% APR.
Mobilehome (used)
| Term (in months) | 80%-100% of Value Financed |
|---|---|
| 0-84 | As low as 6.74% APR* |
| 85-144 | As low as 6.99% APR* |
| 145-180 | As low as 7.74% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
Maximum loan $150,000. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. On approved credit. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 84 monthly payments of $14.90 per $1,000 borrowed at 6.74% APR.
Personal
| Term (in months) | Rate |
|---|---|
| 0-36 | As low as 7.24% APR* |
| 37-60 | As low as 7.49% APR* |
| 61-72 | As low as 8.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum Loan amount $50,000.
Satisfactory debt ratio, sufficient net income and tenure. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $30.82 per $1,000 borrowed at 7.24% APR.
Visa Classic, Gold, SafeGuard
| Rate | Maximum Loan Amount |
|---|---|
| Variable rate set quarterly at prime plus 2.49% - 18.99% APR* |
$25,000 |
*APR=Annual Percentage Rate. On approved credit.
Click here for fees that may apply to FCCU Visa cards.
Click here for Regulation Z disclosures. (opens new window)
Vacation, Holiday, Furniture
| Term (in months) | Rate |
|---|---|
| 0-36 | As low as 7.24% APR* |
| 37-60 | As low as 7.49% APR* |
| 61-72 | As low as 8.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum Loan amount $50,000.
Satisfactory debt ratio, sufficient net income and tenure. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $30.82 per $1,000 borrowed at 7.24% APR.
Bill Pay-Off
| Term (in months) | Rate |
|---|---|
| 0-36 | As low as 8.24% APR* |
| 37-60 | As low as 8.49% APR* |
| 61-72 | As low as 9.24% APR* |
*APR=Annual Percentage Rate.
Rates current as of 12/1/12.
On approved credit. Maximum Loan amount $50,000.
Checks must be made payable to creditors. Interest rate and down payment, which may be required, will be based on credit-worthiness and other FCCU loan policies. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 36 monthly payments of $31.24 per $1,000 borrowed at 8.24% APR.
Share Secured
| Rate | Maximum Loan Amount |
|---|---|
| Current dividend rate** plus 1.50% APR* for 24 months | $50,000 |
Loan requirements: shares to cover balance, signed application.
*APR=Annual Percentage Rate.
**The interest rate for a 24 month share secured loan will be 1.50% over the most current divided rate paid on shares at time of loan booking. The rate will increase + .50% APR* for each additional year over 24 months to the maximum of 72 months. The APR will not increase after consummation of the loan.
Terms of repayment unit-cost example: 24 monthly payments of $42.50 per $1,000 borrowed at 2.00% APR.
