Rates

Auto Loans

As of March 15, 2023

Type	Interest Rate	APR**
New Current and previous model year vehicle, never taxed or titled, with less than 500 miles	as low as 5.54%*	5.63%**
Pre-owned / Used newer than 7 years.	as low as 6.04%*	6.13%**
Pre-owned / Used 7 model years and older	as low as 7.04%*	7.13%**
**APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.

Recreational Vehicle Loans

As of March 15, 2023

Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/Motorhome	Interest Rate	APR**
New	as low as 7.54%*	as low as 7.63%**
Pre-Owned/Used newer than seven model years	as low as 8.04%*	as low as 8.13%**
Pre-Owned/Used seven model years or older	as low as 9.04%*	as low as 9.13%**
**APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.

Home Equity Loans

As of March 15th, 2023

Loan Type	Fixed Rate APR***	Variable Rate APR***
Home Equity Line of Credit Loan Variable Rate, 7 yr. draw period, 15 year repayment		as low as 7.75%***
Home Equity Loan (Fixed Rate)	as low as 6.78%***

Mortgage

As of March 20th, 2023

Type	Interest Rate*	APR*	Monthly Payment
30 year conventional loan	as low as 6.250%*	6.467% APR*	$1,231.43
20 year conventional loan	as low as 6.000%*	6.284% APR*	$1,432.86
15 year conventional loan	as low as 5.750%*	6.105% APR*	$1,660.82
10 year conventional loan	as low as 5.500%*	6.001% APR*	$2,170.53
*Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. All rates and estimates listed are based on qualifying credit. Rates and payments may be higher depending on credit score or other factors pertaining to credit-worthiness.

Other Loan Types

As of March 15, 2023

Type	Interest Rate	APR**
Signature Loan	as low as 10.00% APR*	10.39% APR**
Share Secured Loan	4.01% APR*	4.76% APR**
Emergency Loan	as low as 13.50% APR*	20.57% APR**
**Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Share secured loan APR based on $5,000 financed for 48 months with qualifying credit, including loan processing fee of $75. Emergency loan APR based on $2,000 financed for 12 months with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.

*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 Equity, 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% of home’s equity (appraised value times 80% 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% of home’s equity (appraised value times 80% less any existing liens), up to $250,000. Repayment terms are 60 to 180 months.

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Checking and Savings Rates

As of January 17, 2023

Account Type	Minimum Balance	APY*
Regular Savings	$5+	0.01%
Business Savings	$50+	0.01%
Regular Checking	$500-$4,999.99	0.01%
	$5,000+	0.01%
ADVANTAGE Checking**	$500-$24,999.99	2.00%
	$25,000+	0.01%
Christmas Club	$10+	0.01%
Travel/Vacation Club	$10+	0.01%
Sparky's Club Savings-Youth Account	$5+	0.01%
IRA Savings	$50+	0.10%
Money Market	$50-$4,999.99	0.15%
	$5,000-$24,999.99	0.20%
	$25,000-$49,999.99	0.30%
	$50,000+	0.40%

*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 .01% on the portion of your balance over $25,000.00, when you have 12+ VISA Check/Debit Card signature-based transactions posted to your account each month. Must be enrolled in e-Statements and have direct deposit totaling $500 or more within the same month.

Certificate Rates

As of February 9, 2023.

Terms	Minimum Balance	APY*
3 Month	$500	1.00%
6 Month	$500	3.00%
7 Month	$500	4.25%
12 Month	$500	3.50%
18 Month	$500	3.50%
24 Month	$500	3.50%
36 Month	$500	3.50%
48 Month	$500	3.50%
60 Month	$500	3.50%

**APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. Penalty imposed for withdrawals before maturity. Call 216-621-4644 for current rates as they are subject to change at any time and without notice. $500 minimum balance required. The 7-month certificate will renew to a 6-month term upon maturity. 7 month certificate available for a limited time, and only available for new money being put on deposit only. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. 

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Visa Credit Card Rates

As of January 17, 2023

Visa Credit Card	Annual Percentage Rate
Great Rate Card	12.00%-22.00% APR Variable
Most Rewards	13.50%-23.50% APR Variable

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