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Loan Rates

Loan & Credit Card Rates

Auto Loans
Effective Date: Sunday, May 26th, 2019
NameAPR as low as*Term

Auto & Motorcycle

2018 or newer 3.240% 75 Months
2017 - 2016 3.240% 63 Months
2015 - 2013 3.240% 51 Months
2012 - 2009 3.240% 39 Months
2008 & older 3.240% 27 Months
Antique Auto 5.500% 63 Months
Rates may differ for members less than 90 days. Please contact us for more details.

Driving Sense - our lease look-a-like

5 Model Yrs Old & Newer Qualify 2.990% up to 63 months
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: Sunday, May 26th, 2019
APR as low as*Term
ATV, Snowmobile, Lawn & Garden, Jet Skies, or Trailer
4.00% Contact us.**
New FCU members less than 90 days get 1% higher rate than what they qualify for.
RV, Boat, Travel Trailer, or Plane
3.75% Contact us.**
New FCU members less than 90 days get 2% higher 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: Sunday, May 26th, 2019
Loan Information
Please contact our Business Department for current rate information.

Share Pledged Loan
Effective Date: Sunday, May 26th, 2019
NameAPR as low as*
Share Pledged Loan Savings Product + 3%
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. Floor of 4.50%.

Signature Loans
Effective Date: Sunday, May 26th, 2019
NameAPR as low as*
Personal Signature Loan 7.990%
Home Improvement Loans
Unsecured Home Improvement Loan 9.750%
Secured Home Improvement Loan 8.500%
Home Improvement loans have 61-120 month repayment options. Please contact the credit union for more information.
Checking Overdraft 7.990%
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: Sunday, May 26th, 2019
NameAPR as low as*
5 Yr. Balloon 5.000%
10 Yr. Balloon 5.100%
Our 5 and 10 year balloon mortgages can allow you to amortize your payments up to 30 years.
30 Yr. Fixed 4.125%
20 Yr. Fixed 4.000%
15 Yr. Fixed 3.625%
10 Yr. Fixed 3.625%
Rural Development 4.750%
5 Yr. Balloon Construction Loan Contact our Mortgage Dept.
30 Yr. Construction Loan 4.375%
20 Yr. Construction Loan 4.250%
15 Yr. Construction Loan 3.875%
10 Yr. Construction Loan 3.875%
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: Sunday, May 26th, 2019
NameAPR as low as*
Closed End Home Equity 5.500%
Prime MasterCard Gold Home Equity Prime + .75%
MasterCard Gold Home Equity
~Less than 80% Loan to Value 7.900%
~Greater than 80% Loan to Value 8.900%
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 MasterCard
Effective Date: Sunday, May 26th, 2019
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: Sunday, May 26th, 2019
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: Sunday, May 26th, 2019
*APR
5.50%

Education LOC
Effective Date: Sunday, May 26th, 2019
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: Sunday, May 26th, 2019
APR as low as*TermMaximum Dollar Amount
5.240% max. 10 yr. repay $50,000.00
Must be out of school to qualify.

Fresh Start Loans

Diamond 1.5% CashBack MasterCard
Effective Date: Sunday, May 26th, 2019
*APRBenefits to You
as low as 10% 1.5% Cash Back
Earn 1.5% cash back on all purchases. 620 or higher credit score to qualify for 10%APR. 619 or lower credit score to qualify for 17%APR. No annual fee.
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: Sunday, May 26th, 2019
*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: Sunday, May 26th, 2019
*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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