Our Rates
Auto Loans
As of May 20, 2025
| Type | Interest Rate | APR** |
|---|---|---|
NewCurrent and previous model year vehicle, never taxed or titled, with less than 1,000 miles | as low as 5.87%* | 5.97%** |
Pre-owned / Used newer than 7 years. | as low as 6.37%* | 6.47%** |
Pre-owned / Used 7 model years and older | as low as 7.37%* | 7.47%** |
*Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and elegible for membership. New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a “new” auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. 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). Higher rate may be offered upon approval. 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. | ||
As of May 20, 2025
| Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/Motorhome | Interest Rate | APR** |
|---|---|---|
| New | as low as 7.87%* | as low as 7.97%** |
Pre-Owned/Usednewer than seven model years | as low as 8.37%* | as low as 8.47%** |
Pre-Owned/Usedseven model years or older | as low as 9.37%* | as low as 9.47%** |
*Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Members must be 18 years of age or older. New rec vehicle definition: Current and previous model year, never titled and has less than 500 miles on it. FFCCU may consider a rec vehicle loan refinance as a “new” auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. 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). Higher rate may be offered upon approval. 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. | ||
Home Equity Loans
As of May 20, 2025
| Loan Type | Fixed Rate APR* | Variable Rate APR* |
|---|---|---|
Home Equity Line of Credit LoanVariable Rate, 7 yr. draw period, 15 year repayment | as low as 7.50%** | |
| Home Equity Loan (Fixed Rate) | as low as 5.99%* | |
*Promotional Annual Percentage Rate (APR) shown is accurate as of 5.1.25 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. Offer is only valid for new, fixed rate home equity loan applications submitted between 5.1.25 – 7.31.25, that are approved and opened within 60 days of the application date. Rate is determined by credit history, the term of the loan, and the Loan to Value (LTV) ratio. 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. If you borrow $10,000 - $49,999, FFCCU may cover up to $500 in closing costs. If you borrow $50,000 or more, FFCCU may cover up to $800 in closing costs. Borrowers who incur closing costs, such as appraisal, title search, and flood search, during the application process, but whose loan does not close for any reason, including but not limited to, borrower electing to withdraw application, or if the results from the appraisal, title search, or flood search render the application ineligible for approval, are responsible for all closing fees incurred. Home equity loan repayment terms are 60 to 180 months. For example: A $50,000 home equity loan for a term of 60 months with a 5.99% APR, payment would be $966.41 monthly. Maximum APR for Home HELOC is 18%. Call 216-621-4644 for current rates as they are subject to change at any time and without notice. Applicants must be eligible for membership and become a member if loan is approved. 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. | ||
Mortgage
As of May 20, 2025
| Type | Interest Rate* | APR** | Monthly Payment |
|---|---|---|---|
| 30 year conventional loan | as low as 6.500%* | 6.720% APR** | $1,264.14 |
| 20 year conventional loan | as low as 6.250%* | 6.537% APR** | $1,461.86 |
| 15 year conventional loan | as low as 6.000%* | 6.357% APR** | $1,687.71 |
| 10 year conventional loan | as low as 5.750%* | 6.253% APR** | $2,195.38 |
*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. **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%. | |||
Other Loan Types
As of May 20, 2025
| Type | Interest Rate* | APR** |
|---|---|---|
| Signature Loan | as low as 11.00%* | 11.40% APR** |
| Share Secured Loan | 4.01%* | 4.76% APR** |
| Emergency Loan | as low as 14.50%* | 21.59% APR** |
*Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. 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. Terms of repayment and other terms and conditions can be found at this link.**APR = Annual Percentage Rate. 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. | ||
Checking and Savings Rates
As of May 20, 2025
| 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+ | 0.30% |
| 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. Dividends are credited to your account and compounded every month. Minimum average daily balance required to earn dividends is $50. Minimum balance requirements apply to average daily balance. 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. You must maintain an average daily balance of $10 or more in order to receive monthly dividends and the disclosed APY. Call 800.621.4644 for current rates as they are subject to change at any time and without notice. *IRA Transfer/Rollover out or Close IRA (within six months) fee is $25.00.
** Get unlimited ATM withdrawals and earn 2.00% APY when your average daily balance is between $500-24,999.99 when you meet the following requirements: 12 or more VISA Debit Card transactions posted to your account each month, enrolled in e-Statements and have direct deposit totaling $500 or more within the same month. Earn .01% on the remaining portion of your balance over $25,000.00. ATM fees charged by FFCCU are refunded at the end of the month. Only one Advantage Checking account per member. Account is subject to approval.
Certificate Rates
As of May 20, 2025
| Terms | Minimum Balance | APY* |
|---|---|---|
| 3 Month | $500 | 0.75% |
| 6 Month | $500 | 4.00% |
| 12 Month | $500 | 3.75% |
| 18 Month | $500 | 3.25% |
| 24 Month | $500 | 3.00% |
| 36 Month | $500 | 3.00% |
| 48 Month | $500 | 3.00% |
| 60 Month | $500 | 3.00% |
*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. | ||
Visa Credit Card Rates
As of May 20, 2025
| Visa Credit Card | Annual Percentage Rate |
|---|---|
| Great Rate Card | 12.50%-22.50% APR Variable |
| Most Rewards | 14.00%-24.00% APR Variable |
*Rate is good for 12 months after first balance transfer occurs. Only balance transfers on Great Rate VISA credit card from within 60 days of card activation are eligible for 1.99% APR with $0 transfer fee. Offer applies to balances transferred from non-FFCCU cards only. After the introductory period ends, the Variable APR applies. The 1.99% APR applies to balance transfers only, not new purchases. Visa Card Terms and Conditions. | |
