Rates

Rates effective as of 12/15/2014. APY = Annual Percentage Yield

Fees may reduce earnings.

Deposit & Draft Accounts

AccountMinimum Opening DepositRateAPY
Primary Savings (Share Base)$250.50%0.50%
IRA Shares$50.50%0.50%
Special Shares$50.50%0.50%
Real Estate Impounds$52.00%2.00%
Personal Checking (Share Draft)$500.25%0.25%

Share Certificates & IRA Certificates

AccountMinimum Opening DepositRateAPY
60-Month Certificate$2,5001.62%1.63%
60-Month IRA Certificate$2,0001.62%1.63%

Penalty for early withdrawal.

New Auto Loans

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-36As low as 2.74% APR*As low as 3.24% APR*
37-60As low as 2.99% APR*As low as 3.49% APR*
61-72As low as 3.74% APR*As low as 4.24% APR*

*APR=Annual Percentage Rate.

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.

Used Auto Loans

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-36As low as 3.24% APR*As low as 3.74% APR*
37-60As low as 3.49% APR*As low as 3.99% APR*
61-72As low as 4.24% APR*As low as 4.74% APR*

*APR=Annual Percentage Rate.

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.

New RV, Motorhome, Trailer, Boat

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-84As low as 4.74% APR*As low as 5.24% APR*
85-120As low as 4.99% APR*As low as 5.49% APR*
121-144As low as 5.74% APR*As low as 6.24% APR*
145-180As low as 6.74% APR*As low as 7.24% APR*

*APR=Annual Percentage Rate.

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.

Used RV, Motorhome, Trailer, Boat

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-84As low as 5.74% APR*As low as 6.24% APR*
85-120As low as 5.99% APR*As low as 6.49% APR*
121-144As low as 6.74% APR*As low as 7.24% APR*
145-180As low as 7.74% APR*As low as 8.24% APR*

*APR=Annual Percentage Rate.

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.

New Motorcycle

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-36As low as 3.74% APR*As low as 4.24% APR*
37-60As low as 3.99% APR*As low as 4.49% APR*
61-72As low as 4.74% APR*As low as 5.24% APR*

*APR=Annual Percentage Rate.

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.

Used Motorcycle

Term (in months)80%-100% of Value Financed101%-120% of Value Financed
0-36As low as 4.74% APR*As low as 5.24% APR*
37-60As low as 4.99% APR*As low as 5.49% APR*
61-72As low as 5.74% APR*As low as 6.24% APR*

*APR=Annual Percentage Rate.

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.

Personal Loans

Term (in months)Rate
0-36As low as 7.24% APR*
37-60As low as 7.49% APR*
61-72As low as 8.24% APR*

*APR=Annual Percentage Rate.

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

RateMaximum Loan Amount
Variable rate set quarterly at prime plus 2.49% - 18.99% APR*$25,000

Vacation, Holiday, Furniture

Term (in months)Rate
0-36As low as 7.24% APR*
36-60As low as 7.49% APR*
61-72As low as 8.24% APR*

*APR=Annual Percentage Rate.

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.

Debt Consolidation

Term (in months)Rate
0-36As low as 8.24% APR*
36-60As low as 8.49% APR*
61-72As low as 9.24% APR*

*APR=Annual Percentage Rate.

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.

Savings Secured

RateMaximum 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.