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Loan Rates

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

* 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

*Promotional Offer valid for New Money HELOC Accounts.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

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%

Apply Now

 

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

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%.)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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