Skip to content

Rapid Refinance Mortgage

Term

Rate

APR1

Payment/$1,0002

8 Year Fixed Rate

6.375%

6.438%

$13.36

12 Year Fixed Rate

6.625%

6.667%

$10.11

15 Year Fixed Rate

6.625%

6.660%

$8.80

APR is Annual Percentage Rate. [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.

Adjustable Rate Home Loans

Term

Rate

APR1

Payment/$1,000

3 Year ARM

6.00%

8.536%

$7.71

5 Year ARM

6.125%

8.184%

$7.47

7 Year ARM

6.500%

8.344%

$7.58

ARM is Adjustable Rate Mortgage. APR is Annual Percentage Rate. [1] 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.

Construction Loans

Term

Rate

APR1

Payment/$1,000

12 Month Interest Only1

6.000%

7.900%

$79.00

APR is Annual Percentage Rate. [1] Interest only payments do not include funds for taxes and insurance. Please be sure to account for these amounts on your own.

Lot Loans

Term

Rate

APR

Payment/$1,000

3 Year ARM1

8.250%

9.164%

$10.24

15 Year Fixed

8.875%

9.014%

$10.15

ARM is Adjustable Rate Mortgage. APR is Annual Percentage Rate. [1] 15 Year Amortization.

Home Equity Loans

Type

Term

Rate

APR1

Points

Payment/$1,000

80% LTV or Less

3/1 ARM

8.000%

9.183%

0

$10.25

80% LTV or Less

84 Months or Less2

7.750%

7.757%

0

$9.42

80% LRV or Less

15 Year Fixed Rate

8.75%

8.754%

 

$10.00

APR is Annual Percentage Rate. LTV is Loan to Value. [1] 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. [2] 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.

Home Equity Line of Credit

Type

Loan to Value

APR1

First Mortgage

80% LTV

As low as 8.00%

First Mortgage

90% LTV

As low as 8.50%

Second Mortgage

80% LTV

As low as 8.50%

Second Mortgage

90% LTV

As low as 8.75%

APR is Annual Percentage Rate. LTV is Loan to Value. [1] 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 15.%. Payments are 1.25% of balance or $125, whichever is greater. Some restrictions apply. Loan rates are subject to qualified credit.

New Car + Motorcycle Loans - 2023 to 2024 (less than 10K miles)

Term

APR

Payment/$1,000

36 Months

As low as 6.65%

$30.72

48 Months

As low as 6.85%

$23.88

60 Months

As low as 6.90%

$19.75

72 Months

As low as 7.40%

$17.24

75 Months

As low as 7.40%

$16.69

84 Months

As low as 8.60%

$15.89

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Used Car + Motorcycle Loans - 2019 to 2023 (more than 10K miles)

Term

APR

Payment/$1,000

36 Months

As low as 7.35%

$31.04

48 Months

As low as 7.35%

$24.11

60 Months

As low as 7.50%

$20.04

75 Months

As low as 7.85%

$16.91

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Used Car + Motorcycle Loans - 2018 and Older

Term

APR

Payment/$1,000

36 Months

As low as 7.75%

$31.22

48 Months

As low as 7.75%

$24.30

60 Months

As low as 8.44%

$20.49

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Power Sports (ATV, UTV, Snowmobile, Jet Skis, Golf Carts, Lawn Mowers) + Tractors Loans

Term

APR

Payment/$1,000

Up to 36 Months

As low as 8.50%

$31.57

Up to 48 Months

As low as 8.50%

$24.65

Up to 60 Months

As low as 8.50%

$20.52

Up to 72 Months

As low as 10.70%

$18.88

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

Recreational Vehicle and Boat Loans

Term

APR

Payment/$1,000

Up to 60 Months

As low as 7.75%

$20.16

Up to 72 Months

As low as 8.25%

$17.66

Up to 84 Months

As low as 8.75%

$15.96

Up to 96 Months

As low as 9.25%

$14.78

Up to 120 Months

As low as 10.25%

$13.35

Up to 180 Months

As low as 12.25%

$12.16

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history. Minimum loan amounts apply.

Personal Loans

Term

APR

Payment/$1,000

Up to 36 Months

As low as 11.50%

$32.98

Up to 48 Months

As low as 12.00%

$26.33

Up to 60 Months

As low as 12.25%

$22.37

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

Other Personal Loans

Type

APR

Stock, Bond, or Life Insurance Secured1

As low as 5.70%

FCCU Certificate Secured Loans2

3.70% over the collateralized certificate

Kwik Cash Line of Credit3

As low as 13.00%

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. [1] On stock secured loans, the loan will be for a maximum of 50% of the current market value of the stocks securing the loan. [2] The term of the loan will be set to match the Certificate term. [3] 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.

Solar Energy Loan

Term

APR

Payment/$1,000

Up to 60 Months

10.00%

$21.25

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Rate is fixed.

Certificate Specials

Term

Rate

APY

Minimum to Open

Renews for

Regular Savings

0.05%

0.05%

$5

N/A

14-Month Special

5.20%

5.30%

$250

12 Months

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

Certificates

Term

Rate

APY

Minimum to Open

Dividends Paid

Regular Savings

0.05%

0.05%

$5

Quarterly

3-Month

0.65%

0.65%

$250

Quarterly

6-Month

1.20%

1.21%

$250

Quarterly

12-Month

2.74%

2.77%

$250

Quarterly

18-Month

2.67%

2.70%

$250

Quarterly

24-Month Step-Up

2.57%

2.59%

$250

Quarterly

30-Month

2.47%

2.50%

$250

Quarterly

36-Month

2.37%

2.39%

$250

Quarterly

48-Month

2.27%

2.29%

$250

Quarterly

60-Month

4.00%

4.06%

$250

Quarterly

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

With a Step-Up Certificate, you can “step up” to a higher rate once during the duration of the term. Keep an eye on our 24-month certificate rates and contact us if you’d like to step up!

Savings

Account

Rate

APY

Minimum to Open

Dividends Paid

Regular Savings

0.05%

0.05%

$5

Quarterly

Business Savings

0.05%

0.05%

$125

Quarterly

Special Savings

0.05%

0.05%

$5

Quarterly

Christmas Club

0.05%

0.05%

$5

Annually

Change-Up Savings

1.98%

2.00%

 

Quarterly

Saver's Sweepstakes

0.05%

0.05%

$25

Quarterly

Goal Getter Savings

$0 - 15,000

3.50%

3.56%

$5

Monthly

$15,000.01+

0.05%

0.05%

TBD Savings

$0 - 1,000

5.00%

5.12%

$5

Monthly

$1,000.01+

0.05%

0.05%

Passbook IRA/Certificate

0.55%

0.55%

$5

Quarterly

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

Checking

Account

Rate

APY

Minimum to Open

Dividends Paid

Touchdown Checking

0.15%

0.15%

$2,500

Monthly

Dividend Checking

0.05%

0.05%

$1,000

Monthly

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

Money Fund

Balance

Rate

APY

Minimum to Open

Dividends Paid

Regular Savings

0.05%

0.05%

$5

Quarterly

$0 - $2,499.99

0.00%

0.00%

$2,500

Monthly

$2,500 - $14,999.99

0.08%

0.08%

$15,000 - $49,999.99

0.50%

0.50%

$50,000 - $99,999.99

1.00%

1.00%

$100,000 - $199,999.99

1.25%

1.26%

$200,000+

1.50%

1.51%

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

Health Savings

Balance

Rate

APY

Minimum to Open

Dividends Paid

Regular Savings

0.05%

0.05%

$5

Quarterly

$0 - $499.99

0.00%

0.00%

 

Monthly

$500 - $2,499.99

0.05%

0.05%

$2,500 - $4,999.99

0.10%

0.10%

$5,000 - $14,999.99

0.20%

0.20%

$15,000+

0.25%

0.25%

APY is Annual Percentage Yield.
What’s the difference between Rate and APY?

APY is Annual Percentage Yield. APR is Annual Percentage Rate. Rates effective as of 2/19/2024. The Annual Percentage Yield 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. This credit union is insured by the National Credit Union Administration – A U.S. Government Agency. Please call us at (920) 563-7305 for current rate information.