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Loan Rates

Loan & Credit Card Rates

Auto Loans
Effective Date: Monday, May 22nd, 2017
NameAPR as low as*Term

Auto & Motorcycle

2014 or newer 2.74% 75 Months
2011 through 2013 2.74% 63 Months
2010 or older 2.74% 51 Months
Antique Auto 7.24% 63 Months
Rates may differ for members less than 90 days. Please contact us for more details.

Driving Sense - our lease look-a-like

2012 or Newer 2.20% up to 72 months
2011 2.20% 48 months
2010 2.20% 24 & 36 month options
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Recreational Vehicles
Effective Date: Monday, May 22nd, 2017
APR as low as*Term
ATV, Snowmobile, Lawn & Garden, Jet Skies, or Trailer
4.75% Contact us.**
FCU members 90 days or longer get 1% lower rate than what they qualify for.
RV, Boat, Travel Trailer, or Plane
4.50% Contact us.**
FCU members 90 days or longer get 1% lower rate than what they qualify for. **Contact us for more information.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Agricultural Loans
Effective Date: Monday, May 22nd, 2017
Loan Information
Please contact our Business Department for current rate information.

Share Pledged Loan
Effective Date: Monday, May 22nd, 2017
NameAPR as low as*
Share Pledged Loan 4.25%
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Signature Loans
Effective Date: Monday, May 22nd, 2017
NameAPR as low as*
Personal Signature Loan 8.99%
Debt Consolidation Loan 11.24%
Home Improvement Loans
Unsecured Home Improvement Loan 9.75%
Secured Home Improvement Loan 8.50%
Home Improvement loans have 61-120 month repayment options. Please contact the credit union for more information.
Checking Overdraft 10.24%
A Checking Overdraft Loan is a great way to protect yourself from bounced checks or unwanted fees. Contact us for more information.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Mortgage Loans
Effective Date: Monday, May 22nd, 2017
NameAPR as low as*
5 Yr. Balloon 5.00%
10 Yr. Balloon 5.10%
Our 5 and 10 year ballon mortgages can allow you to amortize your payments up to 30 years.
30 Yr. Fixed 4.00%
20 Yr. Fixed 3.75%
15 Yr. Fixed 3.25%
10 Yr. Fixed 3.13%
Rural Development 4.75%
5 Yr. Balloon Construction Loan Contact our Mortgage Dept.
30 Yr. Construction Loan 4.25%
20 Yr. Construction Loan 4.00%
15 Yr. Construction Loan 3.50%
10 Yr. Construction Loan 3.38%
APR=Annual Percentage Rate. Contact us for more information. FCU Mortgage rates are subject to change at anytime and published rates only give a ball park of what current rate offerings are. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.497.1600.

Home Equity Loans
Effective Date: Monday, May 22nd, 2017
NameAPR as low as*
Closed End Home Equity 5.00%
Prime MasterCard Gold Home Equity 4.25%
MasterCard Gold Home Equity
~Less than 80% Loan to Value 7.90%
~Greater than 80% Loan to Value 8.90%
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Gold MasterCard
Effective Date: Monday, May 22nd, 2017
Name*APR
Gold MasterCard Option 1 - No Annual Fee 16.40%
Gold MasterCard Option 2 - $39 Annual Fee 12.60%
*APR = Annual Percentage Rate
Everytime you charge you will earn ScoreCard Rewards that can be redeemed for cash, travel or merchandise.

Prime MasterCard Gold
Effective Date: Monday, May 22nd, 2017
Name*APR
Prime MasterCard Gold 4.75%
Rate tied to Prime + .75%. *APR = Annual Percentage Rate

Gold Home Equity
Effective Date: Monday, May 22nd, 2017
Name*APR
VISA Gold Home Equity 7.90% or 8.90%
*APR = Annual Percentage Rate

Simply Platinum MasterCard
Effective Date: Monday, May 22nd, 2017
Name*APR
Simply Platinum as low as 7.99%
*APR = Annual Percentage Rate
Every time you use your Simply Platinum you will earn points for travel, cash or merchandise. Plus much more!

Platinum Business
Effective Date: Monday, May 22nd, 2017
Name*APR
Visa Platinum Business Prime + 5.00%APR*
*APR = Annual Percentage Rate. Rate not to go below a floor of 8%APR.
Visa Platinum Business Credit Card! Every time you use your Visa Platinum Business Credit Card you will earn points for travel, cash or merchandise. Plus much more!

Wall Street Prime
Effective Date: Monday, May 22nd, 2017
*APR
4.00%

Education LOC
Effective Date: Monday, May 22nd, 2017
APR as low as*Maximum Dollar Amount
5.99% $50,000 Maximum Line
Payment calculated at 1% of balance or $100, whichever is greater.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Post Deferment Student Loan Refinance
Effective Date: Monday, May 22nd, 2017
APR as low as*TermMaximum Dollar Amount
4.99% max. 10 yr. repay $50,000.00
Must be out of school to qualify.

Fresh Start Loans
Effective Date: Monday, May 22nd, 2017
RateTermMaximum Dollar AmountDescription
19.99%APR 12 Months $1,000.00 For C or Higher Credit Scores
19.99%APR 12 Months $1,000.00 D Credit Scores $500 held Till 5 Consecutive Payments Made
19.99%APR 12 Months $500.00 E or lower Credit Scores
Requires Direct Deposit. Is ideal for rebuilding credit or for any reason. APR=Annual Percentage Rate. Rates may change at any time. Contact us for more information.

Diamond 1.5% CashBack MasterCard
Effective Date: Monday, May 22nd, 2017
*APRBenefits to You
10% 1.5% Cash Back
Earn 1.5% cash back on all purchases. 650 or higher credit score to qualify. No annual fee if you spend at least $10,000 on this card in 12 month period.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Business Platinum
Effective Date: Monday, May 22nd, 2017
*APRBenefits to You
Prime + 5% (floor of 8%) Earn points on each purchase for travel, merchandise or cash.
Great product for businesses if you need one card or one for each of your employees.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Simply Platinum
Effective Date: Monday, May 22nd, 2017
*APRBenefits to You
as low as 7.99% Earn points towards rewards.
Nice low rate and the option of receiving travel, merchandise and cash rewards.
APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

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