rates-for-calcubots
As of September 15, 2024| Type | Interest Rate | APR** |
|---|---|---|
NewCurrent and previous model year vehicle, never taxed or titled, with less than 1,000 miles | as low as 6.42%* | 6.52%** |
Pre-owned / Used newer than 7 years. | as low as 6.92%* | 7.02%** |
Pre-owned / Used 7 model years and older | as low as 7.92%* | 8.02%** |
*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. |
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| Click the button to APPLY NOW | About | Interest Rate | APR** |
|---|---|---|---|
 | Members can borrow based on their monthly income and credit worthiness for almost any purpose. The maximum term is 60 months. | as low as 10.00%* | 10.39%** |
 | Secure your loan with your savings. You can borrow up to the dollar amount in your savings while continuing to earn competitive dividends. | 4.01% | 4.76%** |
 | If you ever find yourself in a bind, you can rely on our Emergency loans to help you see through it. Members can borrow for emergency situations based on monthly income and credit worthiness. The maximum term is 12 months. | as low as 13.50%* | 20.37%** |
**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. |
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Calcubot - New Auto Rates- Table 24
| Months | Interest Rates |
|---|---|
| 24 | 6.31% |
| 48 | 6.31% |
| 60 | 6.56% |
| 72 | 6.81% |
| 84 | 7.31% |
Calcubot - Used Auto Rates- Table 25
| Months | Interest Rates |
|---|---|
| 24 | 6.81% |
| 48 | 6.81% |
| 60 | 7.06% |
| 72 | 7.31% |
| 84 | 7.81% |
Calcubot - New Rec Vehicle Rates - Table 26
| Months | Interest Rates |
|---|---|
| 24 | 8.31% |
| 36 | 8.31% |
| 48 | 8.31% |
| 60 | 8.56% |
| 72 | 8.81% |
Calcubot - Used Rec Vehicle Rates - Table 27
| Months | Interest Rates |
|---|---|
| 24 | 8.81% |
| 36 | 8.81% |
| 48 | 8.81% |
| 60 | 9.06% |
| 72 | 9.31% |
+0.50 to New to calculate which is reflected below....
Platinum (740+)
[table “28” not found /]
Calcubot - Visa Great Rate Card Rates- Table 29
| Great Rate New Purchases, Cash Advances | 12.00% |
|---|---|
| Balance Transfers made 60 days after activation | 1.99% |
•1.99% introductory APR* on balance transfers made within 60 days of card activation
•$0 balance transfer fee
•Rate good for 12 months after first balance transfer
•After the introductory period ends, the Variable APR applies; currently 10.00%-18.00% APR*
•Offer may be revoked at any time
•No annual fee
*APR= Annual Percentage Rate.
