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Consumer Loan rates | Real Estate rates | Saving rates

Consumer Loan Rates

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Auto Loan Rates1

Comparison table of Auto Loan Rates1.
Product Int. Rate APR*
36 Months 4.99 4.99
48 Months 5.24 5.24
60 Months 5.49 5.49
72 Months 5.74 5.74
84 Months 6.24 6.24

Kwik Cash

Comparison table of Kwik Cash.
Product Int. Rate APR*
Kwik Cash Loans start at 15.00 15.00

Unsecured Loans

Comparison table of Unsecured Loans.
Product Int. Rate APR*
36 months 9.99 9.99
48 months 10.24 10.24
60 months 10.49 10.49

1 Rates are based on your credit score and age of collateral. Terms of loans may be reduced on vehicles 2016 and older. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist.  Add 1.00% to qualified rate for any non-titled recreational loan (includes ATVs, snowmobiles, trailers, mopeds & jet skis). All rates and terms are subject to change without notice. Rates are effective as of the Approval Date of loan. Minimum of $25,000 on an 84-month term. Membership eligibility required.

Consumer Loan rates | Real Estate rates | Saving rates

Real Estate Loan Rates

First Mortgage

Comparison table of First Mortgage.
Product Int. Rate APR*
10 Year 6.38 6.64
15 Year 6.38 6.56
20 Year 6.75 6.90
30 Year 7.00 7.12
3/1 Year ARM 5.50 5.61
5/1 Year ARM 5.75 5.86
7/1 Year ARM 6.00 6.11

Second Mortgage

Comparison table of Second Mortgage.
Product Int. Rate APR*
3/1 Year ARM 7.00 7.77
5/1 Year ARM 7.25 7.44
7/1 Year ARM 7.50 7.70
15 Year Fixed 7.63 7.82
10 Year Fixed 7.63 7.90

Real Estate Equity Advance Plan

Comparison table of Real Estate Equity Advance Plan.
Product Int. Rate APR*
LTV 80% or Less 7.75 7.80
LTV over 80% up to 90% 8.25 8.30

Lot Loans

Comparison table of Lot Loans.
Product Int. Rate APR*
Lot Loans 7.25 7.51

Bare Land Loans

Comparison table of Bare Land Loans.
Product Int. Rate APR*
Bare Land Loans 7.75 8.01

1 *APR is Annual Percentage Rate. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. 

Consumer Loan rates | Real Estate rates | Saving rates

Savings Rates

Minimum deposit to earn dividends on a Regular Share or Regular IRA Share Account is $50 

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Certificate Rates

Comparison table of Certificate Rates.
Product Min. Opening Deposit Int. Rate APY*
90 Day $500 1.000 1.004
180 Day $500 1.700 1.711
1 Year $500 2.250 2.269
18 Month $1,000 2.300 2.320
2 Year $1,000 2.350 2.371
2 Year $50,000 2.450 2.473
3 Year $1,000 2.400 2.422
3 Year $50,000 2.500 2.524
4 Year $1,000 2.500 2.524
4 Year $50,000 2.600 2.625
5 Year $1,000 2.750 2.778
5 Year $50,000 2.850 2.881
1 Year Balance Builder $100 2.250 2.269

Individual Retirement Account Rates

Comparison table of Individual Retirement Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Regular IRA Share $0 0.150 0.150
1 Year IRA Certificate $500 1.750 1.762
2 Year IRA Certificate $1,000 2.000 2.015
3 Year IRA Certificate $1,000 2.400 2.422
4 Year IRA Certificate $1,000 2.500 2.524
5 Year IRA Certificate $1,000 2.750 2.778

Savings Account Rates

Comparison table of Savings Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Regular Share $5 0.100 0.100

Money Management Account Rates

Comparison table of Money Management Account Rates.
Product Min. Opening Deposit Int. Rate APY*
$2,000.00 – $9,999.99 $2,000 0.450 0.450
$10,000.00 – $24,999.99 $10,000 1.000 1.000
$25,000.00 – $49,999.99 $25,000 1.150 1.150
$50,000 – $99,999 $50,000 1.400 1.400
$100,000 and up $100,000 1.500 1.500

Christmas Club Account Rates

Comparison table of Christmas Club Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Christmas Club $0 0.060 0.060

Saver's Sweepstakes Account Rates

Comparison table of Saver's Sweepstakes Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Saver's Sweepstakes $25 0.100 0.100

Health Savings Account Rates

Comparison table of Health Savings Account Rates.
Product Min. Opening Deposit Int. Rate APY*
$50.00 – $1,999.99 $50 0.050 0.050
$2,000.00 – $9,999.99 $2,000 0.070 0.070
$10,000.00 – $24,999.99 $10,000 0.100 0.100
$25,000.00 and up $25,000 0.150 0.150

1 *APY is Annual Percentage Yield. Rates subject to change without notice. A penalty may be imposed if you withdraw any of the funds before the maturity date. New Money Only - funds cannot be rolled over from a current FDLCU certificate.  13 Month will automatically renew at the 1 year Certificate Rate. 25 Month will automatically renew at the 2 year Certificate Rate.

Consumer Loan rates | Real Estate rates | Saving rates

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