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Loans | Savings | Certificates
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Rates/terms subject to change at the discretion of the FCCU Board of Directors. 08/07/2008
Quarter ending 06/30/08
|
New Auto***
| Terms |
A
APR* |
| Up to 36 Months |
3.24% - 11.99% |
| 37 to 48 Months |
3.74% - 12.49% |
| 49 to 60 Months |
4.24% - 12.99% |
| 61 to 66 Months |
4.74% - 13.49% |
| 67 to 72 Months |
4.99% - 10.47% |
| 73 to 84 Months |
5.49% - 8.74% |
Used Auto***
| Terms |
A
APR* |
| Up to 36 Months |
3.49% - 12.24% |
| 37 to 48 Months |
3.99% - 12.74% |
| 49 to 60 Months |
4.99% -13.74% |
| 61 to 66 Months |
5.49% - 8.74% |
| 67 to 72 Months |
5.74% - 8.99% |
Other Secured Loans**
| Terms |
A
APR* |
| Up to 60 months |
6.99% - 15.24% |
| Greater than 60 months |
7.74% - 15.99% |
Not Fully Secured**
| Terms |
A
APR* |
| Up to 60 months |
12.74% - 17.99% |
Share Secured***
| Terms |
A
APR* |
| 12 months |
5.24% - 5.99% |
| 24 months |
6.24% - 6.99% |
| 36 months |
7.24% - 7.99% |
CD Secured
| Terms |
A
APR* |
| 2.5% Above your CD rate |
Varies |
Mastercard****
| Terms |
A
APR* |
| Classic Minimum Limit $300.00 |
14.76% |
| Gold Minimum Limit $5,000.00 |
9.94% |
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Individual loan rates are determined by member's specific credit history.
*APR = Annual Percentage Rate
** Package of Protection not available for these loans.
*** The lowest rates include the following discounts:
.50% for automatic loan payment AND
.25% for Premiere OR High Yield Checking AND
.50% with Package of Protection
**** Rate Discounts are available only on consumer loans.
Full loan disclosures will be given when loan is disbursed.
Go To Loan Application | Go To Calculators | Back to Top
|
| Savings |
Dividend Rate
|
APY* |
Term |
| Super Money Market- Balance up to $49,999.99 |
1.98 |
2.00 |
n/a |
| Super Money Market- Balance $50,000-$74,999.99 |
2.08 |
2.10 |
n/a |
| Super Money Market-Balance $75,000- over |
2.18 |
2.20 |
n/a |
| Money Market-Balance 0-$2,499.99 |
0.70 |
0.70 |
n/a |
| Money Market - Balance $2,500-$4,999 |
.99 |
1.00 |
n/a |
| Money Market- Balance $5,000-$9,999 |
1.09 |
1.10 |
n/a |
| Money Market - Balance $10,000-$24,999 |
1.59 |
1.60 |
n/a |
| Money Market- Balance $25,000- over |
1.88 |
1.90 |
n/a |
| CHECKING PRODUCTS |
|
0.000 |
n/a |
| Value Plus Checking Min. to open $500.00 |
0.20 |
0.20 |
n/a |
| Premiere Checking- Minimum Balance $1,500.00 |
0.40 |
0.40 |
n/a |
| High Yield Checking-Balance $0-9,999.99 |
.75 |
.75 |
n/a |
| High Yield Checking-Balance $10,000-$24,999.99 |
1.09 |
1.10 |
n/a |
| High Yield Checking-Balance $25,000-over |
1.59 |
1.60 |
n/a |
| SHARE ACCOUNTS |
|
0.000 |
n/a |
| Share Account- Minimum Balance $100.00 |
0.65 |
0.65 |
n/a |
| Holiday Club |
0.65 |
0.65 |
n/a |
| Certificates |
Interest Rate
|
APY* |
Term |
| |
|
|
|
| Regular Certificates- Minimum $5,000 |
2.82 |
2.85 |
6 |
| Regular Certificates- Minimum $5,000 |
2.97 |
3.00
|
9 |
| Regular Certificates- Minimum $1,000 |
3.21 |
3.25 |
12 |
| Regular Certificates- Minimum $1,000 |
3.26 |
3.30 |
18 |
| Regular Certificates- Minimum $1,000 |
3.55 |
3.60 |
30 |
| Regular Certificates- Minimum $1,000 |
4.18 |
4.25 |
60 |
| |
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|
|
| Jumbo Certificates- Minimum $50,000 |
2.92 |
2.95 |
6 |
| Jumbo Certificates- Minimum $50,000 |
3.06 |
3.10 |
9 |
| Jumbo Certificates- Minimum $50,000 |
3.31 |
3.35 |
12 |
| Jumbo Certificates- Minimum $50,000 |
3.36 |
3.40 |
18 |
| Jumbo Certificates- Minimum $50,000 |
3.65 |
3.70 |
30 |
| Jumbo Certificates- Minimum $50,000 |
4.28 |
4.35 |
60 |
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|
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| Colossal Certificate- Minimum $100,000 |
3.02 |
3.05 |
6 |
| Colossal Certificate- Minimum $100,000 |
3.41 |
3.45 |
12 |
| IRA-Traditional |
2.72 |
2.75 |
n/a |
| IRA-ROTH |
2.72 |
2.75 |
n/a |
| IRA-Educational |
2.72 |
2.75 |
n/a |
| IRA-Certificate-Minimum $5,000 |
2.97 |
3.00 |
12 |
| IRA-Certificate-Minimum $2,000 |
3.55 |
3.60 |
30 |
|
IRA-Certificate-Minimum $1,000
|
4.18 |
4.25 |
60 |
* APY = Annual Percentage Yield - Dividends Paid Quarterly Super/Regular Money Markets, Checking, Share and IRA Share Accounts are variable rate accounts and the rate may change after the accounts are opened.
** A penalty will be imposed for early withdrawals on all certificate accounts. Fees may reduce earnings on share accounts. *** Certificate terms are listed in months. ^ Special Certificates are non-renewing.
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