Rapid Refinance Mortgage
Term |
Rate |
APR1 |
Payment/$1,0002 |
8 Year Fixed Rate |
5.750% |
5.839% |
$13.02 |
12 Year Fixed Rate |
6.000% |
6.055% |
$9.79 |
15 Year Fixed Rate |
6.000% |
6.296% |
$8.60 |
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 |
5.750% |
8.429% |
$7.64 |
5 Year ARM |
6.000% |
7.859% |
$7.24 |
7 Year ARM |
6.250% |
7.992% |
$7.33 |
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 |
5.625% |
6.741% |
$67.41 |
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 |
7.000% |
8.367% |
$9.77 |
15 Year Fixed |
8.500% |
8.206 |
$9.68 |
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 |
6.250% |
8.295% |
0 |
$9.73 |
80% LTV or Less |
84 Months or Less2 |
6.750% |
6.841% |
0 |
$8.90 |
80% LRV or Less |
15 Year Fixed Rate |
7.250% |
7.298% |
|
$9.16 |
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 7.50% |
First Mortgage |
90% LTV |
As low as 8.00% |
Second Mortgage |
80% LTV |
As low as 8.00% |
Second Mortgage |
90% LTV |
As low as 8.25% |
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 - 2024 and Newer (less than 10K miles)
Term |
APR |
Payment/$1,000 |
36 Months |
As low as 5.25% |
$30.08 |
48 Months |
As low as 5.45% |
$23.23 |
60 Months |
As low as 5.50% |
$19.10 |
72 Months |
As low as 6.00% |
$16.57 |
75 Months |
As low as 6.00% |
$16.02 |
84 Months |
As low as 6.80% |
$15.00 |
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 5.45% |
$30.17 |
48 Months |
As low as 5.50% |
$23.26 |
60 Months |
As low as 5.60% |
$19.15 |
75 Months |
As low as 6.2% |
$16.12 |
84 Months |
As low as 6.90 |
$15.04 |
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 5.85% |
$30.35 |
48 Months |
As low as 5.85% |
$23.42 |
60 Months |
As low as 6.54% |
$19.58 |
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 9.25% |
$31.92 |
Up to 48 Months |
As low as 9.25% |
$25.00 |
Up to 60 Months |
As low as 9.25% |
$20.88 |
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
Account |
Rate |
APY |
Minimum to Open |
Dividends Paid |
0.05% |
0.05% |
$5 |
N/A |
|
8-Month Special |
4.67% |
4.75% |
$250 |
Quarterly |
APY is Annual Percentage Yield.
What’s the difference between Rate and APY?
Certificates
Account |
Rate |
APY |
Minimum to Open |
Dividends Paid |
0.05% |
0.05% |
$5 |
N/A |
|
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 |
12-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 |
3.55% |
3.60% |
$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 |
|
0.05% |
0.05% |
$5 |
N/A |
||
0.05% |
0.05% |
$5 |
Quarterly |
||
0.05% |
0.05% |
$5 |
Annually |
||
1.98% |
2.00% |
|
Quarterly |
||
0.05% |
0.05% |
$25 |
Quarterly |
||
$0 - 14,999.99 |
3.50% |
3.56% |
$5 |
Monthly |
|
$15,000+ |
0.05% |
0.05% |
|||
$0 - 999.99 |
5.00% |
5.12% |
$5 |
Monthly |
|
$1,000+ |
0.05% |
0.05% |
|||
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 |
0.05% |
0.05% |
$5 |
N/A |
|
0.15% |
0.15% |
$2,500 |
Monthly |
|
Dividend Checking |
0.05% |
0.05% |
$1,000 |
Monthly |
0.15% |
0.15% |
$100 |
Monthly |
APY is Annual Percentage Yield.
What’s the difference between Rate and APY?
Money Fund
Balance |
Rate |
APY |
Minimum to Open |
Dividends Paid |
0.05% |
0.05% |
$5 |
N/A |
|
$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 |
0.05% |
0.05% |
$5 |
N/A |
|
$0 - $499.99 |
0.00% |
0.00% |
N/A |
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 11/19/2024. 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.