Rates

Share and Savings Account Rates Effective 08/19/2020

Account Type Minimum Opening Deposit* Dividend Rate** Annual Percentage Yield (APY)
Membership Share/Savings $5.00 .15% .15%
Christmas Share/Savings .15% .15%
Share Draft/Checking .15% .15%
Differential Share Draft .15% .15%
IRA Accumulation $20.00 .45% .45%

* Minimum opening deposit is also minimum average daily balance to obtain the disclosed annual percentage yield (APY).

** All share account dividend rates and annual percentage yields (a) are accurate as of the last dividend declaration date and (b) may change after the account is opened.

Certificate of Deposit Rates Effective: 12/07/2022

Terms Minimum Deposit Interest Rate Annual Percentage Yield (APY)
12 Months** $5,000

1.75%

1.75%

6 Months $500 1.00% 1.00%
12 Months $500

1.75%

1.75%
18 Months $500 2.00% 2.00%
24 Months $500 2.10% 2.10%
36 Months $500 2.20% 2.20%

* Interest rates may change at any time. Please call 800/542-1246 to receive current rate information. A penalty will be imposed for early withdrawal from any Certificate of Deposit. Fees can reduce earnings.

** This plan requires members to receive monthly dividends.

IRA Certificates of Deposit Rates* Effective 12/07/2022

Terms Minimum Deposit Interest Rate Annual Percentage Yield (APY)
12 Months $5,000 1.75% 1.75%
6 Months $500 1.00% 1.00%
12 Months $500 1.75% 1.75%
18 Months $500 2.00% 2.00%
24 Months $500 2.10% 2.10%
36 Months $500 2.20% 2.20%

* Interest rates may change at any time. Please call 800/542-1246 to receive current rate information. A penalty will be imposed for early withdrawal from any IRA Certificate of Deposit. Fees can reduce earnings.

** This plan requires members to receive monthly dividends.

Loan Rates Effective 10/13/2022

Remember, we may be able to match a rate! Call us before financing elsewhere!

Purchase price greater than $50,000.00 up to 84 months.
Loan Type Rate Term Loan to ValueOther Conditions
New AutoAs low as 3.75%*0-60 MonthsUp to 125% MSRP
New Auto As low as 3.99%* 61-72 Months Up to 125% MSRP >= $25,000.00 up to 72 months
New Auto As low as 4.25%* 73-84 Months Up to 125% MSRP >= $50,000.00 up to 84 months
Used Auto**** As low as 3.75%* 0-60 Months Up to 125% MSRP/purchase price/max NADA retail value  
Used Auto**** As low as 3.99%* 61-72 Months Up to 125% MSRP/purchase price/max NADA retail value >= $25,000.00 up to 72 months
Used Auto**** As low as 4.25%* 73-84 Months Up to 125% MSRP/purchase price/max NADA retail value >=$50,000.00 up to 84 months
New RV As low as 5.99%* 0-72
Months
Up to 100% MSRP  
New RVAs low as 6.25%*73-96 MonthsUp to 100% MSRP
New RV As low as 7.25%* 97-180 Months Up to 100% MSRP  
Used RV As low as 6.25%* 0-72
Months
Up to 100% purchase price/max NADA retail value  
Used RVAs low as 6.50%*73-96 MonthsUp to 100% purchase price/max NADA retail value
Used RVAs low as 7.50%97-120 MonthsUp to 100% purchase price/max NADA retail value
New Boat As low as 4.75%* 0-72 Months Up to 100% MSRP <$40,000.00 0- up to 96 Months
New Boat As low as 5.75%* 73-84
Months
Up to 100% MSRP  
New BoatAs low as 6.25%*85-96 MonthsUp to 100% MSRP
New Boat As low as 6.75%* 97-120 Months Up to 100% MSRP >$40,000.00 up to 120-Months
Used Boat As low as 5.75%* 0-72 Months Up to 100% MSRP/purchase price/max NADA retail value <$40,000.00 up to  96 Months
Used Boat As low as 6.75%* 73-96 Months Up to 100% MSRP/purchase price/max NADA retail value <$40,000.00 up to  96 Months
New Motorcycle As low as 4.99%* 0-48 Months Up to 100% MSRP  
New Motorcycle As low as 5.25* 49-60 Months Up to 100% MSRP  
New Motorcycle As low as 5.49%* 61-72 Months Up to 100% MSRP  
Used Motorcycle As low as 4.99%* 0-48 Months Up to 100% MSRP/purchase price/max NADA retail value  
Used Motorcycle As low as 5.25%* 49-60 Months Up to 100% MSRP/purchase price/max NADA retail value  
Secondary Collateral / General Purpose As low as 4.99%* 0-36 Months    
Secondary Collateral / General PurposeAs low as 5.49%*37-48 Months
Secondary Collateral / General PurposeAs low as 5.99%*49-60 Months
Signature Loan/ Line of Credit** As low as 9.25%* 0-36 Months   Maximum Aggregate Unsecured amount is $25,000.00
Signature Loan / Line of Credit**As low as 9.49%*37-48 MonthsMaximum Aggregate Unsecured amount is $25,000.00
Signature Loan / Line of Credit**As low as 9.75%*49-60 MonthsMaximum Aggregate Unsecured amount is $25,000.00
Major Appliance As low as 9.25%%* 0-36 Months Finance up to 90% of Purchase Price Maximum amount $15,000.00
Major ApplianceAs low as 9.49%*37-48 MonthsFinance up to 90% of Purchase PriceMaximum amount $15,000.00
Generator LoanAs low as 5.99%*0-36 Months
Generator LoanAs low as 6.49%*37-48 Months
Generator LoanAs low as 6.75%*49-60 Months
Generator LoanAs low as 6.99%*61-72 Months
Generator LoanAs low as 7.25%*73-84 Months
Generator LoanAs low as 7.49%*85-96 Months
Generator LoanAs low as 7.75%*97-120 Months
Generator loanAs low as 7.99%*121-180 Months

* Annual Percentage Rate, based on credit score, and credit score grade. Rates are subject to change at any time. Refinanced applies to loans financed at another institution. Current FRECU loans do not apply.

** Overdraft advances will be made in $100.00 increments. If $100.00 is not available, then it will advance the available balance.

*** Other restrictions may apply, call for details.

**** Not to exceed eight prior model years.