Loan Rates as of 12/01/2023
Home Equity Loan
|
Term |
Max. Loan to Value |
Rate* |
Max. Loan Amt |
Min. Loan Amount |
|
5 Years |
80% |
6.000% |
$250,000 |
$7,500 |
|
10 Years |
80% |
6.250% |
$250,000 |
$7,500 |
|
15 Years |
80% |
6.500% |
$250,000 |
$7,500 |
Home Equity Line of Credit
|
Term |
Rate* |
Floor |
Max. Line |
|
80% max. loan to value |
Prime minus 0.75%
|
3.00% |
$250,000 |
Auto Loan Rates
|
Model Year |
36 Month APR 1 |
60 Month APR 1 |
Conditions |
|
2020 & Newer
Unregistered, Current Model Year
|
5.25% |
5.75% |
Also available
48 mo. term @ 5.50%
72 mo. term @ 6.00% |
|
|
|
|
|
Apply Now
Auto Loan Rates
|
Model Year |
36 Month APR 1 |
60 Month APR 1 |
Conditions |
|
2013-2019 |
5.75% |
6.25% |
Also available
48 mo. term @ 6.00%
72 mo. term @ 6.75% |
Apply Now
***The rates disclosed on the updated rate sheet for New Auto, Used Auto and Signature loans include a 0.25% rate reduction for establishing autopay from a FDCFCU account.(Ex. 36 Month A+ Credit is on the rate sheet for 5.25%. If the borrower is not interested in autopay, the rate will be 5.50%.)
New/Used Auto Rates do not apply to existing FD Community Auto Loans***Rates stated are lowest available. Rates vary based upon term and applicant's personal credit history. 5.25%-Monthly payment per $1,000 borrowed is $29.81 for 3 years. Other rates and terms available. Rates based on credit history and term. Qualification restrictions
apply.Rates are stated in Annual Percentage Rate (APR). 1APR = Annual Percentage Rate
VISA Credit Cards
|
Type |
Purchases APR 1 |
Cash APR 1 |
Conditions |
|
Visa Classic |
8.95% |
8.95% |
25 day grace
3% of balance payment
Max line: $10,000
No annual fee |
|
Visa Classic PLUS |
12.25% |
13.25% |
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Consumer Loan Rates
|
Type |
36 Month APR 1 |
60 Month APR 1 |
Conditions |
|
Signature |
12.00% |
16.10% |
none |
|
Share Secured |
+3.0% over share type pledged |
+4.0% over share type pledged |
none |
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The rates disclosed on the updated rate sheet for New Auto, Used Auto and Signature loans include a 0.25% rate reduction for establishing autopay from a FDCFCU account.