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: 08/19/2020

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

0.50%

0.50%

6 Months $500 0.50% 0.50%
12 Months $500

0.50%

0.50%
18 Months $500 0.65% 0.65%
24 Months $500 0.65% 0.65%
30 Months $500 0.80% 0.80%
36 Months $500 0.80% 0.80%

* 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 08/19/2020

Terms Minimum Deposit Interest Rate Annual Percentage Yield (APY)
12 Months $5,000 0.50% 0.50%
6 Months $500 0.50% 0.50%
12 Months $500 0.50% 0.50%
18 Months $500 0.65% 0.65%
24 Months $500 0.65% 0.65%
30 Months $500 0.80% 0.80%
36 Months $500 0.80% 0.80%

* 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 02/24/2021

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 Value
New Auto As low as 1.99%*

Purchase price less than $25,000.00 up to 36 to 60 months.

Purchase price greater than $25,000.00 up to 72 months.
Up to 125% MSRP
New Auto As low as 2.25%* Purchase price greater than $50,000.00 up to 84 months. Up to 125% MSRP
Used Auto**** As low as 1.99*

Purchase price less than $25,000.00 up to 36 to 60 months.

Purchase price greater than $25,000.00 up to 72 months.
Up to 125% purchase/max NADA retail value.
New RV As low as 5.74%* 36 to 180 months. Up to 100% MSRP
Used RV As low as 5.99%* 36 to 120 months Up to 100% purchase/max NADA retail value.
New Boat As low as 1.99%*

Purchase price less than $40,000.00 up to 36 to 96 months.

Purchase price greater than $40,000.00 up to 97 to 120 months.
Up to 100% MSRP
Used Boat As low as 1.99%* 36 to 96 months Up to 100% purchase/max NADA retail value.
New Motorcycle As low as 1.99%* 36 to 72 months Up to 100% MSRP
Used Motorcycle As low as 1.99%* 36 to 60 months Up to 100% purchase/max NADA retail value.
General Purpose Advanced/ Secondary Collateral As low as 5.99%* 12 to 60 months  
Signature Loan/ Line of Credit As low as 8.49%* 12 to 60 months Maximum loan amount is $25,000.00
Major Appliance As low as 6.99%* 12 to 48 months Up to 90% of purchase price

* 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.