Rates
Rates effective as of 08/26/2019. APY = Annual Percentage Yield
Fees may reduce earnings.
Deposit & Draft Accounts
| Account | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| Primary Savings (Share Base) | $25 | 0.50% | 0.50% |
| IRA Shares | $5 | 0.50% | 0.50% |
| Special Shares | $5 | 0.50% | 0.50% |
| Real Estate Impounds | $5 | 2.00% | 2.00% |
| Personal Checking (Share Draft) | $50 | 0.25% | 0.25% |
Share Certificates & IRA Certificates
| Account | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 60-Month Certificate | $2,500 | 0.80% | 0.80% |
| 60-Month IRA Certificate | $2,000 | 0.80% | 0.80% |
Penalty for early withdrawal.
New Auto Loans
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | 2.74% - 16.74% APR* | 3.24% - 17.24% APR* |
| 37-60 | 2.99% - 16.99% APR* | 3.49% - 17.49% APR* |
| 61-72 | 3.74% - 17.74% APR* | 4.24% - 18.24% 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 Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | 3.24% - 17.24% APR* | 3.74% - 17.74% APR* |
| 37-60 | 3.49% - 17.49% APR* | 3.99% - 17.99% APR* |
| 61-72 | 4.24% - 18.24% APR* | 4.74% - 18.74% 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 Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-84 | 4.74% - 18.74% APR* | 5.24% - 19.24% APR* |
| 85-120 | 4.99% - 18.99% APR* | 5.49% - 19.49% APR* |
| 121-144 | 5.74% - 19.74% APR* | 6.24% - 20.24% APR* |
| 145-180 | 6.74% - 20.74% APR* | 7.24% - 21.24% 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 Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-84 | 5.74% - 19.74% APR* | 6.24% - 20.24% APR* |
| 85-120 | 5.99% - 19.99% APR* | 6.49% - 20.49% APR* |
| 121-144 | 6.74% - 20.74% APR* | 7.24% - 21.24% APR* |
| 145-180 | 7.74% - 21.74% APR* | 8.24% - 22.24% 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 Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | 3.74% - 17.74% APR* | 4.24% - 18.24% APR* |
| 37-60 | 3.99% - 17.99% APR* | 4.49% - 18.49% APR* |
| 61-72 | 4.74% - 18.74% APR* | 5.24% - 19.24% APR* |
*APR=Annual Percentage Rate.
On approved credit. Maximum loan $50,000. 100% - 120% values applicable to purchases and refinances only. Motorcycle cannot be 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 $29.34 per $1,000 borrowed at 3.74% APR.
Used Motorcycle
| Term (in months) | 80%-100% of Value Financed | 101%-120% of Value Financed |
|---|---|---|
| 0-36 | 4.74% - 18.74% APR* | 5.24% - 19.24% APR* |
| 37-60 | 4.99% - 18.99% APR* | 5.49% - 19.49% APR* |
| 61-72 | 5.74% - 19.74% APR* | 6.24% - 20.24% 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 |
|---|---|
| 0-36 | 7.24% - 21.24% APR* |
| 37-60 | 7.49% - 21.49% APR* |
| 61-72 | 8.24% - 22.24% 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.
Fast Cash Loans
| Term (in months) | Rate |
|---|---|
| 0-36 | 7.24% - 21.24% APR* |
| 37-60 | 7.49% - 21.49% APR* |
| 61-72 | 8.24% - 22.24% 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
| Rate | Maximum Loan Amount |
|---|---|
| Variable rate set quarterly at prime plus 7.99% - 24.49% 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. (PDF)Opens a New Window.
Vacation, Holiday, Furniture
| Term (in months) | Rate |
|---|---|
| 0-36 | 7.24% - 21.24% APR* |
| 36-60 | 7.49% - 21.49% APR* |
| 61-72 | 8.24% - 22.24% 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 |
|---|---|
| 0-36 | 8.24% - 22.24% APR* |
| 36-60 | 8.49% - 22.49% APR* |
| 61-72 | 9.24% - 23.24% 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
| 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 dividend 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.