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Loan Rates:

Saving Rates:

Consumer Loans Share Rates
Mortgage Loans Money Market Rates

Super Now Checking Rates

CD/IRA Rates
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*New Vehicle Loans Includes Current or Prior Year Used Vehicles With Under 15,000 Miles 48 N/A
60 4.75%
New Vehicle Only >$20,000 72 5.00%
     
Used Vehicle Loans

Used Vehicle Loans (2007-09) < 35k miles 72 5.25%
2006 to 2009 model 60 5.25%
2003 to 2005 model 48 5.75%
2003 and older 36 6.25%
Boats:

Used 48 6.95%
New 60 6.50%
     
**Other Secured Loans

Used 36 7.50%
New 48 6.50%
New 60 6.75%
     
Deposit Secured

Shares or Certificates 60 2% Over Dividend Rate


Minimum 4%.
Single Payment 12 Not to exceed Maturity of CD
   
Business Loans Prime plus 1%.
     
Unsecured Loans

Single Payment 6 9.25%
Line of Credit/OE OE 11.25%
Closed End 12 10.70%
Closed End 24 11.00%
Closed End 48 11.25%
Credit Rebuilding Loan
18.00%
     
Visa

Visa Gold (No Annual Fee)
9.95%
Visa Classic (No Annual Fee)
14.95%
* Vehicle loans include cars, trucks, vans and motor homes.
** Other secured loans include motorcycles, garden tractors, 4 wheelers, trailers, etc.
*** Maximum 48 month for all vehicles with more than 65,000 miles.
LTV based on NADA retail for used vehicles or MSRP for new Vehicles.
**ORG FEE
Variable Rate Loans
   
1 Year ARM 1%
30
Years
4.50%
5/1 ARM 1%
30
Years
4.75%
Fixed Rate Loans
   
For terms greater than 10 years contact the Mortgage department at 581-8800/800-264-8031
   

1%
30 Years Quote

1%
10 Years 5.25%

1%
5 Years 4.75%
Second Mortgage Loans


Variable Rate Loans 1%
First Mortgage Rate + 1% if 1st mortgage is not with FECU. If we have 1st mortgage, rate is same as stated 1st mortgage rate.
Home Equity


Variable Rate Line of Credit NA
LOC 4.25%
*Quick Close Fixed Rate NA
7 Years 6.25%
*Quick Close Variable Rate NA
LOC 5.25%
101-9,999
0.50%
10,000 - 39,999
0.750%
40,000 - 75,000
1.050%
>75,001 - 100,000
1.100%
> 100,000
1.350%
2,500 - 9,999
0.60%
10,000 - 24,999
0.80%
25,000 - 49,999
1.05%
>50,000 - 75,000
1.15%
>75,000 AND ABOVE
1.25%
1,000 - 9,999
0.350%
10,000 - 24,999
0.450%
25,000 - 49,999
0.600%
>50,000 AND ABOVE
0.800%
PRIME PLUS - 07/30/10
> 500

0.25%
All rates above are as of 06/30/10. Rates subject to change. Call the credit union for the most current rates.
90 DAYS PAID AT MATURITY
0.50%
6 MONTH PAID QUARTERLY
0.85%
1 YEAR PAID QUARTERLY
1.25%
18 MONTH PAID QUARTERLY

1.30%
2 YEARS PAID QUARTERLY
1.60%
30 MONTH PAID QUARTERLY

1.65%
3 YEARS PAID QUARTERLY
1.85%
4 YEARS PAID QUARTERLY

1.95%
5 YEARS PAID QUARTERLY
2.20%
IRA SHARE

Same as Share Account
6 MONTH IRA CD
1.15%
12 Month IRA CD 1.40%
18 MONTH IRA CD
1.50%
24 Month IRA CD 1.80%
30 Month IRA CD
1.90%
36 Month IRA CD 2.15%
48 Month IRA CD
2.30%
60 Month IRA CD 2.60%
Rates subject to change. Call the credit union for the most current rates.
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