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Auto Loan

As of January 15, 2018.
Auto LoansMaximum TermFixed Rate APR*
Defined as current and previous model year vehicle, never taxed or titled, with less than 500 miles
84 monthsas low as 2.86%*
Pre-owned / Used
For models 7+ years old, add 1.00%.
84 monthsas low as 3.36%*

Recreational Vehicle

Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/Motorhome

As of January 15, 2018.
Recreational Vehicle LoanMaximum TermFixed Rate APR*
72 monthsNew - as low as 4.86%*
For models 7+ years old, add 1.00%.
72 monthsUsed - as low as 5.36%*

Other Loan Types

As of January 15, 2018.
Loan TypeMaximum TermFixed RatesVariable Rates
Signature Loan60 monthsas low as 9.00% APR*
Home Equity Loan (Fixed Rate)180 monthsas low as 4.50% APR**
Home Improvement Loan (Fixed Rate, up to 100% LTV, $50K max)120 months7.00%-9.50% APR*
First Mortgage Loanclick to see today's rates
Share Secured Loan60 months 4.05% APR*
Emergency Loan12 monthsas low as 12.50% APR*
Home Equity Line of Credit Loan (Variable Rate)7 yr. draw period, 15 yr. repaymentas low as 4.50% APR**

*APR = Annual Percentage Rate. Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. Rates quoted reflect .25% discount for EasyPay (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, Sign up for Auto Pay for loan payments. EasyPay is not available in combination with Home Improvement, Emergency, Share Secured, or First Mortgage loans. Available for NEW loans only). The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice.

**APR = Annual Percentage Rate. Variable Rate Home Equity Line of Credit (LOC) can reprice monthly and uses Prime Lending Rate as its index plus a margin. Your Rate is determined by your credit history and the Loan to Value (LTV) ratio. Rate floor is 2.00%APR and ceiling is 18.00%APR. 7-year draw period with a 15-year repayment. $10,000 initial advance, $500 minimum subsequent advances. Borrow up to 80% or 90% of home’s equity (appraised value times 80% or 90% less any existing liens), up to $250,000. Fixed Rate Home Equity Loan Rate is determined by the Prime Lending Rate as its index plus a margin, credit history and the number of years loan is financed. Borrow up to 80% or 90% of home’s equity (appraised value times 80% or 90% less any existing liens), up to $250,000. Repayment terms are 60 to 180 months.

Checking and Savings Rates

As of January 15, 2018.
Account TypeMinimum BalanceDividend RateAPY*
Regular Savings$50+0.05%0.05%
Business Savings$50+0.05%0.05%
Regular Checking$500-$4,999.990.05%0.05%
ADVANTAGE Checking**$500-$24,999.991.982%2.00%
Christmas Club$50+0.05%0.05%
Travel/Vacation Club$50+0.05%0.05%
Sparky's Club Savings-Youth Account$50+0.05%0.05%
IRA Savings$50+0.20%0.20%
Money Market$50-$4,999.990.10%0.10%

*APY = Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance. Call 800.621.4644 for current rates as they are subject to change at any time and without notice.

**Advantage Checking Account: Get unlimited ATM withdrawals and earn 2.00%APY on balances up to $25,000 when your average daily balance is greater than $500, and earn .05% on the portion of your balance over $25,000.00, when you make 12+ VISA Check/Debit Card signature-based transactions each month. Must be enrolled in e-Statements and have direct deposit totaling $500 or more within the same month.

Certificate Rates

As of January 2, 2018.
TermsMinimum BalanceDividend RateAPY*
3 Month$5000.30%0.30%
6 Month$5000.40%0.40%
12 Month$5000.80%0.80%
18 Month$5000.90%0.90%
24 Month$5001.00%1.00%
36 Month$5001.193%1.20%
48 Month$5001.489%1.50%
60 Month$5001.735%1.75%

*APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity. Call 800.621.4644 for current rates as they are subject to change at any time and without notice.

Visa Credit Card Rates

As of January 15, 2018.
Visa Credit Card RatesGreat Rate CardMost Rewards Card
Annual Percentage Rate9.00%-17.00% APR
10.50%-18.50% APR

For complete terms and conditions for our Visa Credit Cards, click here.

Firefighters Community Credit Union (FFCCU) is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 216.621.4644. All products and services available on this website are available at all FFCCU branches.

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