Rates

APY is Annual Percentage Yield. APR is Annual Percentage Rate. LTV is Loan to Value. ARM is Adjustable Rate Mortgage.

Rates effective as of 8/7/2026. [Loans] Some restrictions apply. Loan rates are subject to qualified credit. [Vehicle Loans] Term may be limited based upon age of vehicle and credit history. [Savings Accounts] APY is accurate as of the Effective Date. Rates are subject to change without notice. Fees may reduce the earnings on all accounts. Rates may change after account is opened.

[1] Example of APR is based on $20,000 loan with $200 in closing costs and $45 in prepaid finance charges. Appraisal fee and title insurance are not included in the closing costs and will be an additional charge if needed. Rapid Home Refi is available to refinance home loans of $250,000 or less with maximum loan to value ratio of 80%. Qualifying credit score is required. Available on single family, owner occupied primary residences. Other restrictions may apply. Rates and terms are subject to change.

[2] Payment is based on rate and term shown. The payments do not include amounts for taxes and insurance and if included the actual payment will be greater because of these additional payments.

[3] Example for APR used above: $100,000 3/1, 5/1, and 7/1 ARM’s amortized over 30 years with $964 in closing costs and $1,107.50 in prepaid finance charges. Loan rates are subject to qualified credit. Rate will be fixed for the first three, five, or seven years based on your specific loan and then becomes a variable rate that can adjust up to 2% every 12 months. Please contact a loan officer for more details, terms and conditions. Some restrictions apply.

[4] Interest only payments do not include funds for taxes and insurance. Please be sure to account for these amounts on your own.

[5] 15-Year Amortization.

[6] Example for APR used above: $20,000.00 3/1 ARM amortized over 15 years with $550.00 in closing costs. Loan rates are subject to qualified credit. Rate will be fixed for the first three years and then becomes a variable rate that can adjust up to 2% every 12 months. Please contact a loan officer for more details, terms and conditions. Some restrictions apply.

[7] Fixed rates are available for loans of less than $100,000.00 that will amortize in 84 months or less. This APR assumes a $20,000.00 amortized over 84 months with $550.00 in closing costs.

[8] Members who have an existing HELOC with FCCU are not eligible for advertised loan terms. 3.49% APR available on loans for owner-occupied primary residencies with loans up to 90% LTV and credit scores of 680 or higher. Rate is variable. Rate is locked for 12 months, then will be set as high as prime for first mortgage loans and prime plus .25 percentage points for second mortgage loans. Rate is subject to change after 12 months from closing date, and thereafter on the first day of each month following any change in the prime rate as published in the Wall Street Journal. Payments are 1.25% of balance or $125, whichever is greater. Maximum rate 18%. Minimum credit line of $10,000. Homeowners Insurance required. Closing costs range from $285- $1,100. Rates and terms subject to change.

[9] Rate is subject to change on the first day of each month following any change in the prime rate as published in the Wall Street Journal. Maximum rate 18.00%. Payments are 1.25% of balance or $125, whichever is greater. Some restrictions apply. Loan rates are subject to qualified credit.

[10] On stock secured loans, the loan will be for a maximum of 50% of the current market value of the stocks securing the loan.

[11] The term of the loan will be set to match the Certificate term.

[12] Kwik cash payment is set at 5% of the outstanding balance, or $15, whichever is more, and is recalculated each time a draw is taken. All Kwik cash payments are due on the 28th of the month.