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Rates

Auto Loan

As of November 15, 2017.
Auto LoansMaximum TermFixed Rate APR**
New
Defined as current and previous model year vehicle, never taxed or titled, with less than 500 miles
84 monthsas low as 2.67%*
Pre-owned / Used84 monthsas low as 3.17%*

Recreational Vehicle

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

As of November 15, 2017.
Recreational Vehicle LoanMaximum TermFixed Rate APR*
New
 
72 monthsNew - as low as 4.67%*
Pre-Owned/Used72 monthsUsed - as low as 5.17%*

Other Loan Types

As of November 15, 2017.
Loan TypeMaximum TermFixed RatesVariable Rates
Signature Loan60 monthsas low as 7.50% APR*
Tuition Loan12 months8.50% APR*
Home Equity Loan (Fixed Rate)180 monthsas low as 4.25% APR***
Home Improvement Loan (Fixed Rate, up to 100% LTV, $50K max)120 months6.75%-9.25% APR*
First Mortgage Loanclick to see today's rates
Share Secured Loan60 months 4.05% APR*
Emergency Loan12 monthsas low as 11.00% APR*
Home Equity Line of Credit Loan (Variable Rate)7 yr. draw period, 15 yr. repaymentas low as 4.25% 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). 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.

 ***Annual Percentage Rate (APR) shown is accurate as of 6/19/17 and is available to well-qualified borrowers for a term up to 60 months and a loan-to-value (LTV) ratio of 80% or less. Rate includes a 0.25% discount for EasyPAY (requires auto pay, enrollment in online banking with e-Statements and direct deposit of at least $200 per month). Not available for the refinance of an existing FFCCU loan, line, or mortgage unless the refinance includes $10,000 or more of new money. Primary residence only. Rate and offer subject to change without notice and cannot be combined with any other offer. Closing costs up to $500 will be waived if application is approved, funds are disbursed by FFCCU, and the loan remains open for a period of 12 months. In many cases, the interest is tax-deductible; please consult your tax advisor. Promotion valid: 6/19/17 – 8/31/17. Accounts are insured up to $250,000.00 by American Share Insurance. This institution is not federally insured by member choice. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.


Checking and Savings Rates

As of January 1, 2017.
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%
$5,000+0.05%0.05%
ADVANTAGE Checking**$500-$24,999.991.982%2.00%
$25,000+0.05%0.05%
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%
$5,000-$24,999.990.15%0.15%
$25,000-$49,999.990.20%0.20%
$50,000+0.25%0.25%

*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 1, 2017.
TermsMinimum BalanceDividend RateAPY*
3 Month$5000.20%0.20%
6 Month$5000.30%0.30%
12 Month$5000.50%0.50%
18 Month$5000.60%0.60%
24 Month$5000.70%0.70%
36 Month$5000.90%0.90%
48 Month$5001.193%1.20%
60 Month$5001.440%1.45%

*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 November 15, 2017.
Visa Credit Card RatesGreat Rate CardMost Rewards Card
Annual Percentage Rate8.75%-16.75% APR
Variable
10.25%-18.25% APR
Variable

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

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