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Loan & Credit Card Rates

Auto Loans
Effective Date: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 2017
Loan Information
Please contact our Business Department for current rate information.

Share Pledged Loan
Effective Date: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 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 4.13%
20 Yr. Fixed 3.88%
15 Yr. Fixed 3.25%
10 Yr. Fixed 3.25%
Rural Development 4.75%
5 Yr. Balloon Construction Loan Contact our Mortgage Dept.
30 Yr. Construction Loan 4.38%
20 Yr. Construction Loan 4.13%
15 Yr. Construction Loan 3.50%
10 Yr. Construction Loan 3.50%
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: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 2017
Name*APR
Prime MasterCard Gold 4.75%
Rate tied to Prime + .75%. *APR = Annual Percentage Rate

Gold Home Equity
Effective Date: Saturday, April 29th, 2017
Name*APR
VISA Gold Home Equity 7.90% or 8.90%
*APR = Annual Percentage Rate

Simply Platinum MasterCard
Effective Date: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 2017
*APR
4.00%

Education LOC
Effective Date: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 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: Saturday, April 29th, 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.

Savings & Checking Rates

Regular Savings, Escrow, Club & Birdie Accounts
Effective Date: Saturday, April 29th, 2017
Minimum Dollar AmountMaximum Dollar Amount**APY*APR
$100.00 $9,999.00 0.02% 0.02%
$10,000.00 $24,999.00 0.02% 0.02%
$25,000.00 $99,999.00 0.02% 0.02%
$100,000.00 & Up 0.02% 0.02%
Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Growth Savings Accounts
Effective Date: Saturday, April 29th, 2017
Name**APY*APRNotes
I Growth savings 0.10% 0.10% $5,000 minimum balance.
II Growth Savings 0.20% 0.20% $25.000 minimum balance. Require open checking or credit card with FCU.
III Growth Savings 0.30% 0.30% $50,000 minimum balance. Requires open checking and credit card with FCU.
IV Growth Savings 0.40% 0.40% $100,000 minimum balance. Requires FCU checking, FCU credit card and appt. with FCU Investment or Insurance department.
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. Please contact us for more information or go to our Savings & Checking page. Each Growth Savings account stands on its own. The Growth Savings accounts are not tiered accounts and the rates do not change as balances change. Members must contact FCU and sign a new Truth-In-Savings Disclosure in order to change from one Growth Savings product to another. Growth Savings accounts may require additional services with FCU to qualify.

Systematic Savings Products
Effective Date: Saturday, April 29th, 2017
Name**APY*APR
Systematic Savings 0.50% 0.50%
Systematic Traditional IRA 0.75% 0.75%
Systematic Roth IRA 0.75% 0.75%
Youth Systematic Savings (members 12 & younger) 0.50% 0.50%
All Systematic Savings, except for the Youth Systematic Savings, require a monthly minimum deposit of $25. Youth Systematic Savings requires a monthly minimum deposit of $10.
*Contact us for more information on our line of Systematic Savings products. Learn how a Systematic Savings can help even the most deficient saver start to build a savings.APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Traditional IRA, Roth IRA & Coverdell ESA
Effective Date: Saturday, April 29th, 2017
Investment Amount**APY*APR
$0 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $99,999 0.30% 0.30%
$100,000 & Up 0.40% 0.40%
INGS    
If you are looking for more IRA investment options, check out our Certificates of Deposit rates. IRAs can take advantage of these great rates also.
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Health Savings Checking Account (HSA)
Effective Date: Saturday, April 29th, 2017
Investment Amount**APY*APR
$0.01 - $999 0.50% 0.50%
$1,000 - $2,499 1.01% 1.00%
$2,500 - $9,999 1.01% 1.00%
$10,000 - up 1.01% 1.00%
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.Our Health Savings Account features a small set-up charge and a small monthly-service charge. HSA's are are designed for those members with high deductible health insurance plans. Contact our Business Department at (989)497-1600 for more information on our very attractive HSA program.

Interest Earning Personal Checking
Effective Date: Saturday, April 29th, 2017
Name**APY*APRMinimum Balance
Kasasa Cash Checking 2.50% 2.47% If qualifications are met each monthly qualification cycle, balances up to $10,000 will earn 2.50%APY.
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.Qualifications include things you already do: e-statements, 15 posted debit card transactions, and ACH debit from Bill Pay or direct deposit.

Interest Earning Business Checking
Effective Date: Saturday, April 29th, 2017
Name**APY*APRMinimum Balance
2 Star Plus Checking 0.05% 0.05% $250 minimum to earn interest.
3 Star Plus Checking 0.10% 0.10% $500 minimum to earn interest.
4 Star Plus Checking 0.15% 0.15% $1,000 minimum to earn interest
5 Star Plus Checking 0.20% 0.20% $20,000 minimum to earn interest.
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Business Savings Rates
Effective Date: Saturday, April 29th, 2017
Dividend Tiers**APY*APR
$5 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $99,999 0.15% 0.15%
$100,000 & Up 0.25% 0.25%
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.FCU offers special savings rates for our members that take advantage of our excellent business programs. Contact our business department for more information.

Money Market Accounts
Effective Date: Saturday, April 29th, 2017
Balance**APY*APR
Money Market Insured Account
$1,000 - $9,999 0.30% 0.30%
$10,000 - $24,999 0.30% 0.30%
$25,000 - $99,999 0.55% 0.55%
$100,000 & Up 0.55% 0.55%
Mega Money Market Insured Account
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $499,999 0.25% 0.25%
$500,000 - $999,999 0.25% 0.25%
$1,000,000 & Up 0.25% 0.25%
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals a month of $500 or more. All deposits must be over $100. APY = Annual Percentage Yield. Contact us for more information.

Certificate of Deposit (for Regular & IRA Investments)
Effective Date: Saturday, April 29th, 2017
Term**APY*APR
$500 - $99,999
3 Month 0.10% 0.10%
6 Month 0.20% 0.20%
9 Month 0.35% 0.35%
12 Month 0.50% 0.50%
18 Month 0.55% 0.55%
2 Year 0.75% 0.75%
3 Year 0.95% 0.95%
4 Year 1.55% 1.54%
Enjoy the option to Bump your 60 month CD rate. Contact us for more information.
5 Year - BUMP CD 1.70% 1.69%
$100,000 - $999,999
3 Month 0.20% 0.20%
6 Month 0.95% 0.94%
9 Month 1.00% 0.99%
12 Month 1.20% 1.19%
18 Month 1.30% 1.29%
2 Year 1.45% 1.44%
3 Year 1.65% 1.64%
4 Year 1.65% 1.64%
Enjoy the option to Bump your 60 month CD rate. Contact us for more information.
5 Year - BUMP CD 1.81% 1.79%
*Require $500 minimum investment for a Certificate of Deposit under $100,000 and $100,000 for a CD over. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. APY = Annual Percentage Yield. Contact us for more information.

Plus Savings
Effective Date: Saturday, April 29th, 2017
**APY*APRMinimum InvestmentMaximum Dollar Amount
.25% .25% $500.00 $9,999.00
.25% .25% $10,000.00 $24,999.00
.50% .50% $25,000.00 $99,999.00
.50% .50% $100,000.00 & Up
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Kasasa Cash Checking
Effective Date: Saturday, April 29th, 2017
**APYRateMaximum Dollar AmountDescription
2.50% 2.4718% $10,000.00 Balances over $10,000 earn 2.50%APY-.25%APY. Non-qualified accounts earn .01%APY
Qualifiying accounts are accounts that receive e-statemens, do a minimum of 15 debit card transactions and a minimum of one ACH debit/bill pay during the qualifiying cycle. APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Kasasa Saver Savings
Effective Date: Saturday, April 29th, 2017
**APY*APRMaximum Dollar AmountDescription
1.25%APY 1.2429% $100,000.00 Balances over $100,000 earn 1.25%APY-.70%APY. Non-qualifying accounts earn .01%APY
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH debit/bill pay during the qualifying cycle. APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.
Members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too.

Featured CD Specials
Effective Date: Saturday, April 29th, 2017
Name**APY*APRMinimum InvestmentDescription
21 Month CD 1.25% 1.24% $500.00 Good for funds already with FCU and new to FCU funds also.
37 Month CD 1.40% 1.39% $500.00 Good for new to FCU funds only.
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Save To Win
Effective Date: Saturday, April 29th, 2017
**APY*APRMinimum Dollar AmountTerm
1.01% 1.00% $25 to open. Can deposit at any time. Can not withdraw till 12 months after date of opening.
Don't gamble away your hard earned money, do Save To Win. All the cash you deposit into Save To Win earns interest and chances to win cash prizes up to $5,000. APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Wealth Builder Savings
Effective Date: Saturday, April 29th, 2017
Investment Amount**APY*APR
$100-$9,999 1.00% 1.00%
$10,000-$99,999 .75% 1.00%-.78%
$100,000+ .25% .78%-.25%
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

Business Wealth Builder Account
Effective Date: Saturday, April 29th, 2017
Minimum Investment**APY*APR
$1,000-$99,999 1.00% 1.00%
$100,000-$249,999 .75% 1.00%-.85%
$250,000+ .25% .85% - .25%
APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information.

 

 

 

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