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Loan Rates

Home LoansLearn More

Home Equity LoansLearn More

Home Equity Loans Rate APR1 Term Points Pmt/$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 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 CreditLearn More

Type APR Points
1st Mortgage - 80% LTV as low as 4.25% 0
1st Mortgage - 90% LTV as low as 4.75% 0
2nd Mortgage - 80% LTV as low as 4.75% 0
2nd Mortgage - 90% LTV as low as 5.00% 0

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 MortgageLearn More

Term Rate APR Pmt/$1,000
8 Year Fixed Rate 4.25% 4.512%1 $12.312
12 Year Fixed Rate 4.50% 4.682%1 $9.002

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.

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 LoansLearn More

Type APR Pmt/$1,000
Up to 36 months ($1,000 or less) as low as 6.75% $30.77
Up to 36 months ($1,000+) as low as 6.75% $30.77

Some restrictions apply. Loan rates are subject to qualified credit.

New Car LoansLearn More

Term APR Pmt/$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

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

Used Car LoansLearn More

Term APR Pmt/$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

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

Type APR Pmt/$1,000
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 home and credit history. Some restrictions apply. Loan rates are subject to qualified credit. Payment per $1,000 based on 60 months.

Other Personal Loans

Type APR
Stock, bond, or life insurance secured1 as low as 5.70%
FCCU CD Secured Loans2 3% over the collateralized CD
Kwik Cash Line of Credit3 as low as 9.90%

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 CD 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.

Cycle / ATV / Snowmobile Loans

Term APR Pmt/$1,000
Up to 60 months as low as 4.94% $18.85

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

Recreational Vehicle LoansLearn More

Term APR Pmt/$1,000
Up to 60 months as low as 4.94% $18.85
Up to 72 months1 as low as 5.44% $16.31
Up to 84 months1 as low as 5.94% $14.58

APR = 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.

Must be current model year or previous year NEW

Boat Loans

Term APR Pmt/$1,000
Up to 60 months as low as 4.94% $18.85
Up to 72 months1 as low as 5.44% $16.31
Up to 84 months1 as low as 5.94% $14.58

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

Must be current model year or previous year NEW

Construction / Lot Loans

Type Rate APR Pmt/$1,000
Construction - 6 month interest only1 4.25% 4.25% n/a
Lot - 3 year ARM2 5.25% 5.25% $8.04
Lot - 15 year fixed 5.90% 5.90% $8.38

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

2 15 Year Amortization

Solar Energy Loan

Term APR Pmt/$1,000
up to 60 months 6.00% $19.33

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

Deposit Rates

Certificate of Deposit (CD) SpecialsLearn More

Term Minimum to Open Rate APY
16 Month1 $250 1.99% 2.01%
29 Month2 $250 2.28% 2.30%

1 Interest accrues quarterly and renews for 18 months. Certificates may have penalty for early withdrawal.

2 Interest accrues quarterly and renews for 30 months. Certificates may have penalty for early withdrawal.

Certificates of Deposit (CDs) / IRAsLearn More

Term Rate APY Minimum to Open
91 Day 0.40% 0.40% $500
182 Day 0.60% 0.60% $500
12 Month 1.00% 1.00% $250
18 Month 1.10% 1.10% $250
24 Month Step Up 1.19% 1.20% $250
30 Month 1.29% 1.30% $250
36 month 1.39% 1.40% $250
48 Month 1.49% 1.50% $250
60 Month 1.59% 1.60% $250
Passbook IRA / Certificate 0.75% 0.75% $5

Penalty for early withdrawal. Any share certificate may be used for IRA.

Checking & Savings Accounts

Account Minimum to Open Rate APY
Regular Savings $5 0.15% 0.15%
Business Savings $5 0.15% 0.15%
Christmas Club $5 0.25% 0.25%
Change-Up Savings $0 1.98% 2.00%
Dividend Checking $1,000 0.10% 0.10%
Saver's Sweepstakes $25 0.25% 0.25%

Money Market AccountLearn More

Balance Rate APY
$1 - $1,999.99 0.08% 0.08%
$2,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $99,999.99 0.85% 0.85%
$100,000+ 1.10% 1.10%

Health Savings AccountLearn More

Balance Rate APY
Less than $500 0.00% 0.00%
$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%
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 9/1/2018. The 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.