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Rates

APY = Annual Percentage Yield. Rates effective as of February 2, 2017. Fees may reduce earnings.

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Home Loans

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Home Equity Loans

Home Equity LoansRateAPR 1TermPoints
80% LTV or less 5.75% 5.794% 3/1 ARM 0
80% LTV or less 5.75% 5.837% 84 Months or Less2 0

1 APR = Annual Percentage Rate. 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 with a max adjustment of 5% from the original rate. 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

Home Equity Line of CreditAPR2Points
1st Mortgage as low as 4.00% 0
2nd Mortgage as low as 4.50% 0

2APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

Personal Loans

Personal Loan RatesAPR2
Up to 36 mos. ($1,000 or <) as low as 6.50%
Up to 36 mos. (> $1,000) as low as 6.24%

2APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

New Car Rates

New Car RatesAPR3
Up to 36 months as low as 2.44%
Up to 48 months as low as 2.54%
Up to 60 months as low as 2.64%
Up to 72 months as low as 2.74%
Up to 84 months as low as 4.74%

3APR = 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 Rates

Used Car RatesAPR3
Up to 60 months (2013-2016) as low as 3.14%
Up to 60 months (2011-2012) as low as 3.39%
Up to 60 months (2009-2010) as low as 3.64%
Up to 36 mos. (2008 & older) as low as 4.19%

3APR = 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.

Mobile Home Loans

Mobile Home RatesAPR3
2017 or 2016 models as low as 5.24%
2008 to 2015 models as low as 5.74%
2007 and older models
3 Year demand up to 15 years
as low as 6.74%

Mobile homes require a 20% down payment. Maximum Loan Amount= $53,000.00

*Term may be limited based upon age of vehicle and credit history.

3APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

Stock, bond or life insurance

Stock, bond or life insurance securedAPR2
Secured as low as 5.0%

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

2APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

FCCU CD Secured Loans

FCCU CD Secured Loans
The loan rate will be 3% over the collateralized CD, the term of the loan will be set to match the CD term.

Kwik Cash

Kwik CashAPR2
Line of Credit as low as 9.90%
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.

2APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

Cycle / ATV /Snowmobile

Cycle/ATVSnowmobileAPR2
Up to 60 months as low as 4.24%

2APR = 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 Vehicles

Recreational VehiclesAPR2
Up to 60 months as low as 4.24%

2APR = 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.

Boats

BoatsAPR2
Up to 60 months as low as 4.24%

2APR = 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.

Consumer Loans: A late charge of $10 or 5% of the delinquent monthly payment (whichever is less) will be assessed to all payments that are more than 10 days past their contracted due date.

Construction Loans

ConstructionRateAPR2Points
6 Months Interest Only 3.25% 3.25% $750 max

2APR = Annual Percentage Rate

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

Share Certificate Specials

SC SpecialsRateAPY
11 Months - $2,000 minimum5 0.65%

0.65%

17 Months - $2,000 minimum 6 1.10%

1.10%

23 Months - $2,000 minimum7 1.24%

1.25%

41 Months - $2,000 minimum8 1.44%

1.45%

 

5 Interest rate is 0.65% with an annual percentage yield of 0.65%. Minimum opening balance is $2,000 for 11 months. Substantial penalty for early withdrawal. Quarterly interest based on issue date. Automatic renewal is for 11 months at the then current rate. 

6Interest rate of 1.10% and APY of 1.10%. Minimum opening balance is $2,000 for 17 months. Substantial penalty for early withdrawal. Quarterly interest based on issue date. Automatic renewal is for 17 months at the then current rate. 

 7Interest rate of 1.24% and APY of 1.25%. Minimum opening balance is $2,000 for 23 months. Substantial penalty for early withdrawal. Quarterly interest based on issue date. Automatic renewal is for 23 months at the then current rate.

8Interest rate of 1.44% and APY of 1.45%. Minimum opening balance is $2,000 for 41 months. Substantial penalty for early withdrawal. Quarterly interest based on issue date. Automatic renewal is for 41 months at the then current rate. 

Share Certificates / IRAs

SCs / IRAsRateAPYMinimum
91 Day SC/IRA .10% .10% $1,000
182 Day SC/IRA .20% .20% $1,000
12 Month SC/IRA .30% .30% $500
18 Month SC/IRA .40% .40% $500
24 Month Step Up SC/IRA .50% .50% $500
30 Month SC/IRA .65% .65% $500
36 month SC/IRA .80% .80% $500
48 Month SC/IRA .90% .90% $500
60 Month SC/IRA 1.34% 1.35% $500
Passbook IRA SC/IRA .65% .65% $500

Penalty for early withdrawal.

Savings & Checking

Savings & CheckingRateAPYMinimum
Regular Savings 0.08% 0.08% $5
Business Savings 0.08% 0.08% $5
Christmas Club 0.25% 0.25% $5
Change-Up Savings 1.98% 2.00% None
Fort Money Fund (Tier 1) 0.08% 0.08% $1-$1,999
Fort Money Fund (Tier 2) 0.10% 0.10% $2,000- $9,999
Fort Money Fund (Tier 3) 0.25% 0.25% $10,000-$24,999
Fort Money Fund (Tier 4) 0.35% 0.35% $25,000-$99,000
Fort Money Fund (Tier 5) 0.45% 0.45% $100,000 +
Dividend Checking 0.05% 0.05% $1,000

HSA Account Balance

HSA Account BalanceRateAPY2
Less than $500 0% 0%
$500 - $2,499 .30% .30%
$2,500 - $4,999 .70% .70%
$5,000 - $14,999 .90% .90%
$15,000 and above 1.14% 1.15%

2The Annual Percentage Yield is accurate as of the Effective Date. A penalty may be imposed if you withdraw any of the funds before the maturity 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.