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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* Payment per $1,000
36 Months 5.49 5.49 $30.19
48 Months 5.74 5.74 $23.37
60 Months 5.99 5.99 $19.33
72 Months 6.24 6.24 $16.69
84 Months 6.74 6.74 $14.97

Unsecured Loans

Comparison table of Unsecured Loans.
Product Int. Rate APR* Payment per $1,000
36 months 10.49 10.49 $32.50
48 months 10.74 10.74 $25.72
60 months 10.99 10.99 $21.74

Kwik Cash

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

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* Payment per $1,000
10 Year 7.00 7.27 $11.61
15 Year 7.00 7.19 $8.99
20 Year 7.13 7.28 $7.83
30 Year 7.38 7.50 $6.91
3/1 Year ARM 6.00 6.11 $6.00
5/1 Year ARM 6.25 6.36 $6.16
7/1 Year ARM 6.50 6.62 $6.32

Second Mortgage

Comparison table of Second Mortgage.
Product Int. Rate APR* Payment per $1,000
3/1 Year ARM 7.00 7.19 $8.99
5/1 Year ARM 7.25 7.44 $9.13
7/1 Year ARM 7.50 7.70 $9.27
15 Year Fixed 8.25 8.45 $9.70
10 Year Fixed 8.25 8.53 $12.27

Real Estate Equity Advance Plan

Comparison table of Real Estate Equity Advance Plan.
Product Int. Rate APR*
LTV 80% or Less 8.00 7.80
LTV over 80% up to 90% 8.50 8.30

Lot Loans

Comparison table of Lot Loans.
Product Int. Rate APR*
Lot Loans 7.50 7.76

Bare Land Loans

Comparison table of Bare Land Loans.
Product Int. Rate APR*
Bare Land Loans 8.00 8.27

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 1.500 1.508
180 Day $500 2.500 2.524
1 Year $500 3.000 3.034
18 Month $1,000 3.000 3.034
2 Year $1,000 3.000 3.034
2 Year $50,000 3.150 3.187
3 Year $1,000 3.250 3.290
3 Year $50,000 3.350 3.392
4 Year $1,000 3.250 3.290
4 Year $50,000 3.350 3.392
5 Year $1,000 3.250 3.290
5 Year $50,000 3.350 3.392
1 Year Balance Builder $100 3.000 3.034

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 3.000 3.034
2 Year IRA Certificate $1,000 3.000 3.034
3 Year IRA Certificate $1,000 3.250 3.290
4 Year IRA Certificate $1,000 3.250 3.290
5 Year IRA Certificate $1,000 3.250 3.290

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 0.750 0.750
$10,000.00 – $24,999.99 $10,000 1.150 1.150
$25,000.00 – $49,999.99 $25,000 1.500 1.500
$50,000 – $99,999 $50,000 1.650 1.650
$100,000 and up $100,000 1.750 1.750

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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