Firefighters Community Credit Union

More than 31,000 fee-free ATMs and more than 5,000 Shared Branch locations available.

800-621-4644

Rates

Loan Rates

As of April 15, 2014

Product Term Fixed APR* Variable APR*
NEW Auto up to 72 months

as low as 1.70%**

 
USED Auto up to 72 months

as low as 2.20%**

 
RV Section: Motorcycle, ATV, Jet Ski, Camper, Travel Trailer, Motorhome & Boat up to 60 months

New - as low as 3.70%**
Used - as low as 4.20%**


Signature Loan up to 60 months as low as 9.56%**  
Tuition Loan up to 12 months 8.50%  
Home Equity Line of Credit Loan
(Variable Rate)
7 yr. draw period,
15 year repayment
  as low as
3.25%***
Home Equity Loan
(Fixed Rate)
up to 180 months as low as 3.25%***  
Home Improvement Loan
(Fixed Rate, up to 100% LTV, $50K max)

up to 120 months

7.00-9.00%
 
First Mortgage Loan For current rates,
please call:

440-617-9368
Ask for:
Kevin McDonough
Share Secured Loan up to 60 months 4.10%  
Emergency Loan up to 12 months as low as 13.06%**  
VISA Great Rate Credit Card Pmt greater of 3.00% of new unpaid balance or $25.00   7.75%****
VISA Most Rewards Credit Card Pmt greater of 3.00% of new unpaid balance or $25.00   9.25%****
*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 .50% discount for: USA Club membership (to qualify for USA Club status, use FFCCU Checking Account, Debit Card and VISA Credit Card) and payroll deduction/direct deposit. 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.

*** 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.

****Rates based on credit history and higher rate may be offered upon approval. Great Rate=Prime+4.50%APR, Most Rewards=Prime+6%APR


Savings Rates

As of March 15, 2014
Account Name Min. Balance Dividend Rate APY*
Regular Savings $50+ 0.10% 0.10%
Business Savings $50+ 0.10% 0.10%
Regular Checking $500-$4,999.99 0.05% 0.05%
$5,000+ 0.05% 0.05%
ADVANTAGE Checking** $500-$24,999.99 1.982% 2.00%
$25,000+ 0.10% 0.10%
Christmas Club $50+ 0.10% 0.10%
Travel/Vacation Club $50+ 0.10% 0.10%
Sparky's Club Savings-Youth Account $50+ 0.10% 0.10%
IRA Savings $50+ 0.30% 0.30%
Money Market $50-$4,999.99 0.15% 0.15%
$5,000-$24,999.99 0.20% 0.20%
$25,000-$49,999.99 0.25% 0.25%
$50,000+ 0.35% 0.35%

Call 800-621-4644 for current rates as they are variable and subject to change without notice. Please refer to the Account Agreement and Disclosure governing these accounts for complete details.
*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.
** 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 .10% 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 Rates

As of March 15, 2014
Term Min. Balance Dividend
Rate
APY*
3 Month $500 0.20% 0.20%
6 Month $500 0.30% 0.30%
12 Month $500 0.50% 0.50%
18 Month $500 0.60% 0.60%
24 Month $500 0.70% 0.70%
36 Month $500 0.90% 0.90%
48 Month $500 1.193% 1.20%
60 Month $500 1.440% 1.45%

*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.