Auto LoanAs of April 15, 2018.
|Auto Loans||Maximum Term||Fixed Rate APR*|
Defined as current and previous model year vehicle, never taxed or titled, with less than 500 miles
|84 months||as low as 2.99%*|
|Pre-owned / Used |
For models 7+ years old, add 1.00%.
|84 months||as low as 3.49%*|
Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/MotorhomeAs of April 15, 2018.
|Recreational Vehicle Loan||Maximum Term||Fixed Rate APR*|
|New||72 months||New - as low as 4.99%*|
For models 7+ years old, add 1.00%.
|72 months||Used - as low as 5.49%*|
Home Equity LoansAs of April 15, 2018.
|Loan Type||Maximum Term||Fixed Rate|
|Home Equity Line of Credit Loan (Variable Rate)||7 yr. draw period, 15 year repayment||as low as 4.75%**|
|Home Equity Loan (Fixed Rate)||up to 180 months||as low as 4.75%**|
Other Loan TypesAs of April 15, 2018.
|Loan Type||Maximum Term||Fixed Rates||Variable Rates|
|Signature Loan ||60 months||as low as 9.00% APR*|
|Home Equity Loan (Fixed Rate)||180 months||as low as 4.75% APR**|
|Home Improvement Loan (Fixed Rate, up to 100% LTV, $50K max) ||120 months||7.25%-9.75% APR*|
|First Mortgage Loan||click to see today's rates|
|Share Secured Loan||60 months||4.05% APR*|
|Emergency Loan||12 months||as low as 12.50% APR*|
|Home Equity Line of Credit Loan (Variable Rate)||7 yr. draw period, 15 yr. repayment||as low as 4.75% 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 RatesAs of April 1, 2018.
|Account Type||Minimum Balance||Dividend Rate||APY*|
|Sparky's Club Savings-Youth Account||$50+||0.05%||0.05%|
*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 RatesAs of January 2, 2018.
|Terms||Minimum Balance||Dividend Rate||APY*|
*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 RatesAs of April 15, 2018.
|Visa Credit Card||Annual Percentage Rate|
|Great Rate Card||9.25%-17.25% APR|
|Most Rewards Card||10.75%-18.75% APR |
For complete terms and conditions for our Visa Credit Cards, click here.