Rates
| New Auto/Street Cycles | ||
| Effective Date: Thursday, November 21st, 2024 | ||
| LOAN TERM/DETAILS | YEAR OF VEHICLE | APR* |
| Up to 60 months | 2023-2024 | 7.00% |
| 61-72 months | 2023-2024 | 7.50% |
| 73-84 months (min loan amount 25,000) |
2023-2024 | 8.00% |
| *APR = Annual Percentage Rate | ||
| Used Autos/Street Cycles | ||
| LOAN TERM/DETAILS | YEAR OF VEHICLE | APR* |
| Up to 60 months | 2022 - OLDER | 7.50%< |
| 61-72 months (min loan amount 15,000) |
2022 - OLDER | 8.00% |
| * APR = Annual Percentage Rate | ||
| Classic Cars (20yrs+) Appraisal Required | ||
| LOAN TERM/DETAILS | YEAR OF VEHICLE | APR* |
| Up to 60 months | 1997 - OLDER | 9.00% |
| *APR = Annual Percentage Rate | ||
| Boats & RV's | ||
| LOAN TERM/DETAILS | APR* | |
| Up to 60 months | 8.00% | |
| 61-84 months (min loan amount 25,000) |
8.50% | |
| 85-120 months (min loan amount 45,000) |
9.00% | |
| * APR = Annual Percentage Rate | ||
| Recreational | ||
| LOAN TERM/DETAILS | APR* | |
| Up to 60 months | 8.00% | |
| 61-72 months (min loan amount 15,000) |
8.50% | |
| 73-84 months (min loan amount 25,000) |
9.00% | |
| *APR = Annual Percentage Rate | ||
| Signature/Unsecured Loans | ||
| LOAN TERM/DETAILS | APR* | |
| Up to 36 months | 10.00% | |
| Up to 48 months | 10.50% | |
| Up to 60 months | 11.00% | |
| *APR = Annual Percentage Rate | ||
| Secured | ||
| LOAN TERM/DETAILS | NO CREDIT REPORT NEEDED | APR* |
| Shared Secured | 3.00% | |
| Share Certificate | 2% ABOVE CURRENT RATE | |
| *APR = Annual Percentage Rate | ||
Please contact the credit union for current mortgage rates.
*APR = Annual Percentage Rate
** Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.
Not all will qualify for the best rate. Ask for details
** Driving Sense program need to add 1% to the rate.
Qualified vehicles are model year 2018 or newer.
| Savings Rates | |
| Effective Date: Thursday, November 21st, 2024 | |
| Description | APY* |
| Share Certificate ($500.00 Minimum Deposit)** | |
| 12 Month Term | 3.00% |
| 24 Month Term | 3.25% |
| 36 Month Term | 3.50% |
| 48 Month Term | 3.75% |
| 60 Month Term | 4.00% |
| Money Markets | |
| $10,000.00 - 59,999.00 | 2.00% |
| $60,000.00 - 99,999.00 | 2.50% |
| $100,000.00 & over | 3.00% |
| Savings | |
| $25.00 & over | 0.05% |
*Annual Percentage Yield Fees may reduce earnings
| |
**Early withdrawal penalties may apply and may reduce earnings.
Rates subject to change. May not be used to refinance existing loans at First Area Credit Union.