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Your kids will thank you for saving a little at a time ahead of time

Your kids will thank you for saving a little at a time, ahead of time

Whether you're saving for college, a wedding, or any other major life event, any savings goal feels more attainable when you start saving early and save often.

Check out our Share Certificate specials (aka Certificate of Deposit or CD) and fantastic Money Fund/Market rates to help you save and earn for those once-in-a-lifetime events!


APY = Annual Percentage Yield. Rates effective as of September 1, 2018. Fees may reduce earnings.

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Home Loans

Today's Featured Rates

Personalized Quote

Rate Watch

Home Equity Loans

Home Equity LoansRateAPR 1TermPointsPmt/$1,000
80% LTV or less 5.00% 5.00% 3/1 ARM 0 $7.91
80% LTV or less 5.25% 5.25% 84 Months or Less2 0 $14.25

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 CreditAPR1Points
1st Mortgage - 80% LTV* as low as 4.25% 0
1st Mortgage - 90% LTV as low as 4.75% 0

Home Equity Line of CreditAPR1Points
2nd Mortgage - 80% LTV as low as 4.75% 0
2nd Mortgage - 90% LTV as low as 5.00% 0

1APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

*LTV = Loan to Value

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.%. Payments are 1.25% of balance or $125, whichever is greater. 

Rapid Refinance Mortgage

Term Rate APR Pmt/$1,000
8 Year Fixed Rate 4.00% 4.261%1 $12.192
12 Year Fixed Rate 4.25% 4.431%1 $8.882

1 APR =Annual Percentage Rate. Example of APR is based on $20,000 loan with $200 in closing costs. Appraisal fee and title insurance, if required is not included and will be an additional charge.  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.

Personal Loans

Personal Loan RatesAPR2Pmt/$1,000
Up to 36 mos. ($1,000 or <) as low as 6.75% $30.77
Up to 36 mos. (> $1,000) as low as 6.75% $30.77

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

New Car Rates

New Car RatesAPR3Pmt/$1,000
Up to 36 months as low as 3.59% $29.44
Up to 48 months as low as 3.69% $22.44
Up to 60 months as low as 3.79% $18.32
Up to 72 months as low as 3.89% $15.60
Up to 84 months as low as 5.89% $14.65

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 RatesAPR3Pmt/$1,000
Up to 60 months (2015-2018) as low as 4.49% $18.64
Up to 60 months (2013-2014) as low as 4.99% $18.87
Up to 60 months (2011-2012) as low as 5.49% $19.10
Up to 36 mos. (2010 & older) as low as 5.34% $30.13

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 RatesAPR3Pmt/$1,0004
2018 or 2017 models as low as 6.19% $19.42
2012 to 2016 models as low as 6.69% $19.66
2011 and older models
3 Year demand up to 15 years
as low as 7.69% $20.13

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.

4Payment per $1,000 based on 60 months.

Stock, bond or life insurance

Stock, bond or life insurance securedAPR2
Secured as low as 5.70%

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/ATVSnowmobileAPR2Pmt/$1,000
Up to 60 months as low as 4.94% $18.85

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 VehiclesAPR2Pmt/$1,000
Up to 60 months as low as 4.94% $18.85
Up to 72 months3 as low as 5.44% $16.31
Up to 84 months3 as low as 5.94% $14.58

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.

3Must be current model year or previous year NEW

Boats

BoatsAPR2Pmt/$1,000
Up to 60 months as low as 4.94% $18.85
Up to 72 months3 as low as 5.44% $16.31
Up to 84 months3 as low as 5.94% $14.58

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.

3Must be current model year or previous year NEW

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 4.25% 4.25% 0

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.

Lot Loans

Term Rate APY Pmt/$1,000
3 Year ARM* 5.25% 5.25% $8.04
15 Year Fixed Rate 5.90% 5.90% $8.38

*15 Year Amortization

Solar Energy Loan

Solar Energy Loan APR1 Pmt/$1,000
Up to 60 months 6.00%2 $19.33

1APR = Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit.

2Rate is fixed.

Share Certificate Specials

SC SpecialsRateAPYMinimum

16 month*

1.99% 2.01% $250

29 month**

2.28% 2.30% $250

*APY=Annual Percentage Rate. Interest accrues quarterly and renews for 18  months. Certificates may have penalty for early withdrawal.

**APY=Annual Percentage Rate. Interest accrues quarterly and renews for 30  months. Certificates may have penalty for early withdrawal.

Share Certificates / IRAs

SCs / IRAsRateAPYMinimum
91 Day SC** 0.40% 0.40% $500
182 Day SC** 0.60% 0.60% $500
12 Month SC** 1.00% 1.00% $250
18 Month SC** 1.10% 1.10% $250
24 Month Step Up SC** 1.19% 1.20% $250
30 Month SC** 1.29% 1.30% $250
36 month SC** 1.39% 1.40% $250
48 Month SC** 1.49% 1.50% $250
60 Month SC** 1.59% 1.60% $250
Passbook IRA SC** 0.75% 0.75% $5

Penalty for early withdrawal.

*APY=Annual Percentage Yield.

**Any SC may be used for IRAs.

Savings & Checking

Savings & CheckingRateAPYMinimum
Regular Savings 0.15% 0.15% $5
Business Savings 0.15% 0.15% $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-$1,999.99
Fort Money Fund (Tier 2) 0.15% 0.15% $2,000- $9,999.99
Fort Money Fund (Tier 3) 0.50% 0.50% $10,000-$24,999.99
Fort Money Fund (Tier 4) 0.85% 0.85% $25,000-$99,999.99
Fort Money Fund (Tier 5) 1.10% 1.10% $100,000 +
Dividend Checking 0.10% 0.10% $1,000
Saver's Sweepstakes 0.25% 0.25% $25

HSA Account Balance

HSA Account BalanceRateAPY2
Less than $500 0.0% 0.0%
$500 - $2,499 0.30% 0.30%
$2,500 - $4,999 0.70% 0.70%
$5,000 - $14,999 0.90% 0.90%
$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.