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Loan Rates

Loan Rates as of 03/01/2024

 

 
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

* Lowest available rate. Rates based on credit history and qualification restrictions apply. All rates subject to change without notice. Contact us for more information.

Home Equity Line of Credit
Term Rate* Floor Max. Line
80% max. loan to value

Prime minus 0.75%

3.00% $250,000

Fully indexed rate is as low as Prime minus .75% with a floor of 3.00%. Rates based on credit history and qualification restrictions apply. As of July 26, 2023, the Prime rate is 8.50%. 10 yr draw/15 yr repay.  All rates subject to change without notice. Maximum APR is capped at 18.00%. Property insurance required. No pre-payment penalties. NMLS #669541. All rates subject to change without notice. Contact us for more information.

 

Auto Loan Rates
Model Year 36 Month APR 1 60 Month APR 1 Conditions

2021 & Newer

 

5.25% 5.75% Also available
48 mo. term @ 5.50%
72 mo. term @ 6.00%
2014-2020 5.75% 6.25% Also available
48 mo. term @ 6.00%
72 mo. term @ 6.75%

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Vehicle loans are available for the purpose of purchasing a new or used vehicle, refinancing an existing vehicle loan, or purchasing a currently leased vehicle. Existing FD Community FCU loans are not eligible. Vehicles with rebranded titles (total loss, flood, rebuilt, etc.) are not eligible for financing.

Vehicle loan rates are stated as Annual Percentage Rates (APR). Rates based on credit history and qualification restrictions apply. All rates are subject to change without notice. Rates may range from 5.25% to 16.25% depending on the vehicle model year, credit history, and reflects a .25% discount for automatic payments. Other rates and terms available.  Payment example for a borrower with top tier credit: For a term of 60 months at a rate of 5.75% the estimated monthly payment is $19.22 per $1,000.00 borrowed. Rates, monthly payments, and examples are estimates and provided as a courtesy only.

VISA Credit Cards
Type Purchases APR 1 Cash APR 1 Conditions
Visa Classic 8.95% 8.95%

10 day grace
3% of balance payment
Max line: $10,000
No annual fee
No balance transfer 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% 12.00% None
Share Secured +3.0% over share type pledged +4.0% over share type pledged None

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Personal loan rates are stated as Annual Percentage Rates (APR). Rates based on credit history and qualification restrictions apply. All rates are subject to change without notice.
Signature loan rates may range from 12.00% to 15.49% depending on credit history and reflect a .25% discount for automatic payments. Other rates and terms available.
Share secured loans are not subject to a .25% discount for automatic payments

Rates stated are lowest available. Rates vary based upon term and applicant's personal credit history.
Rates are stated in Annual Percentage Rate (APR).
1APR = Annual Percentage Rate

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