Our Rates

Auto Loans

As of May 15, 2024
TypeInterest RateAPR**
New
Current and previous model year vehicle, never taxed or titled, with less than 500 miles
as low as 6.27%*6.366%**
Pre-owned / Used
newer than 7 years.
as low as 6.77%*6.867%**
Pre-owned / Used
7 model years and older
as low as 7.77%*7.868%**
*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 car definition: Current and previous model year, never titled and has less than 500 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.
**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 May 15, 2024
Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/MotorhomeInterest RateAPR**
New
 
as low as 8.27%*as low as 8.367%**
Pre-Owned/Used
newer than seven model years
as low as 8.77%*as low as 8.868%**
Pre-Owned/Used
seven model years or older
as low as 9.77%*as low as 9.869%**
*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.
**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 May 1, 2024
Loan TypeFixed Rate
APR*
Variable Rate
APR*
Home Equity Line of Credit Loan
Variable Rate, 7 yr. draw period, 15 year repayment
as low as 8.50%**
Home Equity Loan (Fixed Rate) as low as 5.99%*
*Annual Percentage Rate (APR) shown is accurate as of 5.1.24 and is available to well-qualified borrowers for a term up to 60 months, in first lien position, 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 5.1.24 - 6.30.24, that are approved and opened within 60 days of the application date. Rate is determined by credit history, the term of the loan, the Loan to Value (LTV) ratio, and lien position. 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. For home equity loans, repayment terms are 60 to 180 months at varying rates. For example: For a $20,000 home equity loan for a term of 60 months with a 5.99% APR, payment would be $386.56 monthly.
Applicants must be eligible for membership.
**The prime rate is the highest prime rate published in the Money Rates Table of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The maximum APR that can apply is 18.00%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-two family residential real estate. Flood and /or property hazard insurance may be required. Other restrictions may apply.

Any advertised payment does not include amounts for taxes and insurance premiums. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Applicants must be eligible for membership. Call or text 216.621.4644 or live chat at ffcommunity.com to get current rates as all Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Mortgage

As of May 20, 2024
TypeInterest Rate*APR**Monthly Payment
30 year conventional loan
as low as 6.750%*6.974% APR**$1,297.20
20 year conventional loanas low as 6.500%*6.790% APR**$1,491.15
15 year conventional loanas low as 6.250%*6.610% APR**$1,714.85
10 year conventional loanas low as 6.000%*6.506% APR**$2,220.41
*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 15, 2024
TypeInterest Rate*APR**
Signature Loan
as low as 11.00%*11.40% APR**
Share Secured Loan 4.01%* 4.76% APR**
Emergency Loanas 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.
**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 15, 2024
Account TypeMinimum Balance APY*
Regular Savings$5+0.01%
Business Savings$50+0.01%
Regular Checking$500-$4,999.990.01%
$5,000+0.01%
ADVANTAGE Checking**$500-$24,999.992.00%
$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-$4,999.990.15%
$5,000-$24,999.990.20%
$25,000-$49,999.990.30%
$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.

**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 May 15, 2024.
TermsMinimum Balance APY*
3 Month $5001.00%
6 Month$5004.50%
12 Month$5005.00%
18 Month $5003.50%
24 Month$5003.50%
36 Month $5003.50%
48 Month$5003.50%
60 Month$5003.50%
*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.

Visa Credit Card Rates

January 25, 2024
Visa Credit Card Annual Percentage Rate
Great Rate Card
13.00%-23.00% APR
Variable
Most Rewards 14.50%-24.50% 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.