Rates

Rate NameTermAPRAPY 
New or Used - Car and Trucks (1)up to 722.24%
New & Used Recreational/Seasonal Vehicles (2)up to 723.39%
Personal Loans (3)369.99%
Visa Credit Card12.90%
Home Equity Line of Credit-variable rate, current rate shown
(4)
6.50%
2nd Mortgage (5)604.00%
2nd Mortgage (6)1204.50%
2nd Mortgage (7)1805.50%
Share Secured - up to 5 year term604.90%
Share Secured - over 5 to 10 years1205.90%
Overdraft Line of Credit (8)16.00%
Share Savings (S1) or Alternate Shares (S2) (9) 0.01%
Christmas Club (S5) (10)0.15%0.15%
6 Month Share Certificate (11)60.05%0.05%
1 Year Share Certificate (12)120.10%0.10%
2 Year Share Certificate (13)240.15%0.15%
3 Year Share Certificate (14)360.20%0.20%
(1) Vehicle loan rates are available for both new and used car and trucks, Your rate will depend on your Credit Score and the percentage of the Loan Amount to the Value of the vehicle (LTV). Loan length will vary depending on age and value of collateral. Rates are slightly higher for loan terms over 72 months. Vehicles must have less than 150,000 miles and be no older than 20 years.

(2) Loans are available for purchase or to borrow on your owned Recreational and Seasonal equipment. We will finance on RVs such as Motor Homes, Travel Trailers, 5th Wheel Trailers and Camp Trailers. We also provide financing on Motorcycles, ATVs, Boats and Personal Watercraft. Your rate will depend on your Credit Score and the percentage of Loan Amount to the Value of the vehicle (LTV). Loan length will vary depending on age and value of collateral. Rates are slightly higher for loan terms over 72 months. Units must be no older than 20 years.

(3) Personal Loans are available at up to 48 month terms. Your rate will depend on your individual credit score.

(4) The Home Equity Line of Credit (HELOC) interest rate may change on the first day of February, May, August and November. Rate is based on the 90 day Treasury Bill.

(5) 2nd Mortgage are secured by a lien on your principal residence. Loan rates will vary based on the borrowers Credit Score (Risk Based Pricing), the term of the loan.


(6) 2nd Mortgage are secured by a lien on your principal residence. Loan rates will vary based on the borrowers Credit Score (Risk Based Pricing), the term of the loan.

(7) 2nd Mortgage are secured by a lien on your principal residence. Loan rates will vary based on the borrowers Credit Score (Risk Based Pricing), the term of the loan.

(8) Linked to a FFFCU Checking- $300 to $500 limits.

(9) Effective 11/1/2022.

(10) Christmas Club rates are set by the Board of Directors periodically and are subject to change at any time. The rate shown is effective 11/1/2022.

(11) 6 Month Certificates require a minimum deposit of $500. Rate shown is effective 11/1/2022. Please call for current rate.

(12) 1 Year Certificates require a minimum deposit of $1,000. Rate shown is effective 11/1/2022. Please call for current rate.

(13) 2 Year Certificates require a minimum deposit of $1,000. Rate shown is effective 11/1/2022. Please call for current rate.

(14) 3 Year Certificates require a minimum deposit of $1,000. Rate shown is effective 11/1/2022. Please call for current rate.

APR is the Annual Percentage Rate
APY is the Annual Percentage Yield
APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly). APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years.