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Today's Rates

Savings Accounts

Savings Accounts

Account Type

Balance Min. to Open Dividend Rate APY* Open Now

Regular Savings

$100-$499 $25.00 0.25% 0.25% OPEN NOW
Regular Savings $500-$24,999.99 $25.00 0.25% 0.25% OPEN NOW
Regular Savings  $25,000-$500,000 $25.00 0.25% 0.25% OPEN NOW
Vacation, Holiday Club**,Pledge & Extra Share $0-$99.99 $25.00 0.00% 0.00% OPEN NOW
Vacation, Holiday Club**,Pledge & Extra Share $100-$500,000 $25.00 0.25% 0.25% OPEN NOW
Roth IRA*** up to $500,000 $1.00 0.50% 0.50%  
Traditional IRA*** up to $500,000 $1.00 0.50% 0.50%  
Coverdell ESA*** $2000/year $1.00 0.50% 0.50%  

*APY=Annual Percentage Yield.  Rates are effective as of 12/1/2016.  Rates subject to change without notice. Fees may reduce earnings on accounts.

**Holiday Club accounts offer a withdrawal period of November 15th through January 31st of each year.

***Please visit your local branch to open these accounts.

Checking Accounts

Checking Accounts

Account Type Balance Min. to Open Dividend Rate APY* Open Now
Simply Free Checking   $25.00 0.00% 0.00% OPEN NOW
50 Prestige Checking   $25.00 0.10% 0.10% OPEN NOW
Direct Pay Checking   $25.00 0.10% 0.10% OPEN NOW
Pinnacle Checking $0-$1,499 $25.00 0.10% 0.10% OPEN NOW
Pinnacle Checking** $1,500-$500,000 $25.00 0.25% 0.25% OPEN NOW

*APY = Annual Percentage Yield.  Rates are effective as of 12/1/2016.  Rates may change without notice  Fees may reduce earnings on accounts.

**Pinnacle Checking has a $9.00 per month charge if balance falls below $1,500.00.

Home Equity Loans & Lines of Credit

Home Equity Loans & Lines of Credit

Type Terms Up To Minimum Loan APR As Low As Approx. Monthly Pmt.* Apply Now
Home Equity Easy Payment Line 10/20 Various $25,000.00 4.50% Various APPLY NOW
Home Equity Fixed Rate Loan 5 Years $10,000.00 3.49% $490.57 APPLY NOW
Home Equity Fixed Rate Loan 10 Years $10,000.00 3.99% $291.87 APPLY NOW
Home Equity Fixed Rate Loan 15 Years $10,000.00 4.49% $233.53 APPLY NOW
Home Equity Fixed Rate Loan 20 Years $10,000.00 4.99% $211.07 APPLY NOW

Loans:  

*Monthly payment estimates based on a $25,000.00 Home Equity Loan.

Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions.  Not all applicants will qualify for the lowest rate. APR = Annual Percentage Rate.  Managed risk lending pricing is used for all consumer loans.  

First Mortgages are available in all 50 states and DC.First Mortgage rates quoted are with 1 point.

The following additional disclosures apply:

  • The Annual Percentage Rate (APR) is based on representative loan amount for stated term.
  • These special rates are only available when you pre-qualify and are not guaranteed until lock-in.
  • All loan applications subject to credit and property approval.  Flood and/or property hazard insurance may be required.  Additional fees and closing costs apply.
  • Assumes no subordinate financing.
  • Maximum loan limits and minimum equity / down payment requirements apply.
  • Other restrictions may apply.
  • Additional rates and programs are available.
  • Calculated assuming 15 days of prepaid interest.

Amounts may be rounded up.  Additional fees and closing costs may apply.  If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.

Rates and APRs may vary depending on loan details, such as loan amount, loan-to-value, your credit, property type, purpose (purchase or refinance with cash-out vs. no cash-out), occupancy (owner occupied, second home or investment) and points paid.  Rates are subject to change without notice.  You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate. 

Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance, and mortgage insurance if applicable.  Escrow waiver may be available in some cases and additional fees will apply.

Rates assume purchase of an owner occupied single family residence with a minimum of 20% down payment.  1 point is equal to 1% of the mortgage amount (e.g. $1,000 on a $100,000 loan).  Payments for conforming loans are based on the purchase of a $375,000 property with 20% down payment and a $300,000 mortgage.  Payments for jumbo loans are based on the purchase of a $600,000 property with a 20% down payment and a $480,000 mortgage.

 

Lines of Credit:

APR is variable.  Maximum APR that can be imposed is 18%. Closing costs range from $250.00 to $2,500.00

HELOC and Home Equity Loans are available.  Minimum line of credit is $10,000.00.  Maximum line of credit amount is $300,000.00. Variable rates tied to Prime as published in the Wall Street Journal.

 

Mortgage Rates

Mortgage Loans

   CALCULATE         today's rates       APPLY NOW  
30 Year Fixed Rate - Conforming
15 Year Fixed Rate - Conforming
FHA 30 Year Fixed Rate - Conforming
FHA 15 Year Fixed Rate - Conforming
3/1 Year ARM - Conforming
5/1 Year ARM - Conforming
7/1 Year ARM - Conforming
10/1 Year ARM - Conforming
Jumbo 30 Year Fixed
Jumbo 15 Year Fixed
Jumbo 3/1 Year ARM
Jumbo 5/1 Year ARM
Jumbo 7/1 Year ARM
Jumbo 10/1 Year ARM

 

 

New & Used Auto Loans -Cars, Trucks, Vans, Motorcycles, RV

New & Used Auto Loans - Cars, Trucks, Vans, Motorcycles, RVs

Loan Type Terms Up To APR* As Low As Approx. Monthly Pmt.** Apply Now
New & Used Auto Loans 36 Months 1.75% $428.00 APPLY NOW
New & Used Auto Loans 48 Months 2.25% $327.07 APPLY NOW
New & Used Auto Loans 60 Months 2.25% $264.56 APPLY NOW
New & Used Auto Loans 72 Months 2.49% $299.33 APPLY NOW
New & Used Auto Loans 84 Months 3.00% $330.34 APPLY NOW

*APR = Annual Percentage Rate. APR reflects a 1.00% discount with a Direct Deposit and automatic payment from a FCFCU checking account.

**For 36, 48, and 60 months, payment estimates based on a $15,000 auto loan. 72 month payment estimate based on minimum $20,000. 84 month payment estimate based on minimum $25,000.

Loans:  Rates are as of 12/1/2016.  Managed risk lending pricing is used for all consumer loans. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions.  Not all applicants will qualify for the lowest rate.

Signature (Personal) Loans

Signature (Personal) Loans*

Loan Type Terms Up To APR As Low As Approx. Monthly Pmt.** Apply Now
Signature (Personal) Loan 12 Months 8.75% $1331.32 APPLY NOW
Signature (Personal) Loan 24 Months 9.00% $706.58 APPLY NOW
Signature (Personal) Loan 36 Months 9.25% $500.54 APPLY NOW
Signature (Personal) Loan 48 Months 9.50% $399.27 APPLY NOW
Signature (Personal) Loan 60 Months 10.00% $341.92 APPLY NOW

*APR reflects a 2.00% discount with a Direct Deposit and automatic payment from an FCFCU checking account.

**Monthly payment estimates based on a $15,000.00 signature loan.

All rates and terms are subject to change without notice and credit qualification.  Rates are as of 12/1/2016. APR = Annual Percentage Rate. Managed risk lending pricing is used for all consumer loans. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.  Not all applicants will qualify for the lowest rate.

 

Certificates & IRA Certificates $2,500-$24,999

Certificates & IRA Certificates** $2,500-$24,999

Account Type Min. to Open Dividend Rate APY* Open Now
3 Months $2,500.00 0.50% 0.50% Open Now
6 Months $2,500.00 0.80% 0.80% Open Now
12 Months $2,500.00 1.24% 1.25% Open Now
24 Months $2,500.00 1.39% 1.40% Open Now
36 Months $2,500.00 1.69% 1.70% OPEN NOW
48 Months $2,500.00 1.84% 1.86% OPEN NOW
60 Months $2,500.00 2.23% 2.25% OPEN NOW
72 Months $2,500.00 2.32% 2.35% OPEN NOW

*APY=Annual Percentage Yield.  Penalty fees may be incurred for early withdrawals from share certificates.  Rates effective as of 2/1/2017.  Rates subject to change without notice.

**Please visit your local branch to open IRA Certificates.

 

Certificates & IRA Certificates $25,000-$99,999

Certificates & IRA Certificates** $25,000-$99,999

Account Type Min. to Open Dividend Rate APY* Open Now
3 Months $25,000.00 0.55% 0.55% Open Now
6 Months $25,000.00 0.85% 0.85% Open Now
12 Months $25,000.00 1.29% 1.30% Open Now
24 Months $25,000.00 1.44% 1.45% Open Now
36 Months $25,000.00 1.74% 1.76% OPEN NOW
48 Months $25,000.00 1.89% 1.91% OPEN NOW
60 Months $25,000.00 2.28% 2.31% OPEN NOW
72 Months $25,000.00 2.37% 2.40% OPEN NOW

*APY=Annual Percentage Yield.  Penalty fees may be incurred for early withdrawals from share certificates.  Rates effective as of 2/1/2017.  Rates subject to change without notice.

**Please visit your local branch to open IRA Certificates.

 

Certificates & IRA Certificates $100,000 and Up

Certificates & IRA Certificates $100,000 and Up

Account Type Min. to Open Dividend Rate APY* Open Now
3 Months $100,000.00 0.55% 0.55% Open Now
6 Months $100,000.00 0.90% 0.90% Open Now
12 Months $100,000.00 1.34% 1.35% Open Now
24 Months $100,000.00 1.49% 1.50% Open Now
36 Months $100,000.00 1.79% 1.81% OPEN NOW
48 Months $100,000.00 1.94% 1.96% OPEN NOW
60 Months $100,000.00 2.33% 2.36% OPEN NOW
72 Months $100,000.00 2.42%

2.45%

OPEN NOW

*APY=Annual Percentage Yield.  Penalty fees may be incurred for early withdrawals from share certificates.  Rates effective as of 2/1/2017.  Rates subject to change without notice.

**Please visit your local branch to open IRA Certificates.

Money Market Plus & IRA Money Market Plus Accounts

Money Market Plus & IRA Money Market Plus Accounts

Account Type

Balance Min. to Open Dividend Rate* APY** Open Now

Money Market & IRA Accounts

$2,500-$9,999 $2,500 0.25% 0.25% OPEN NOW
Money Market & IRA Accounts $10,000-$24,999 $10,000 0.45% 0.45% OPEN NOW
Money Market & IRA Accounts $25,000-$99,999 $25,000 0.55% 0.55% OPEN NOW
Money Market & IRA Accounts $100,000-$500,000 $100,000 0.60% 0.60% OPEN NOW

*Rates shown are "as high as" amounts

**APY=Annual Percentage Yield.  Rates are effective as of 12/1/2016.  Rates subject to change without notice. Fees may reduce earnings on accounts.

 

IRA Certificates $500-$2,499

IRA Certificates** $500-$2,499

Account Type Min. to Open Dividend Rate APY*
3 Months $500 0.40% 0.40%
6 Months $500 0.70% 0.70%
12 Months $500 1.10% 1.11%
24 Months $500 1.24% 1.25%
36 Months $500 1.54% 1.55%
48 Months $500 1.69% 1.70%
60 Months $500 2.08% 2.10%
72 Months $500 2.17% 2.19%

*APY=Annual Percentage Yield.  Penalty fees may be incurred for early withdrawals from share certificates.  Rates effective as of 2/1/2017.  Rates subject to change without notice.  

**Please visit your local branch to open IRA Certificates.

 

Special Certificates

Special Certificates

Account Type

Min. to Open Dividend Rate APY* Apply Now
36 Month Savings Builder $100.00 1.00% 1.01% Open Now
9 Month Reg. & Certificate $2,500 1.00% 1.01%  

*APY=Annual Percentage Yield.  Penalty fees may be incurred for early withdrawals from share certificates.  Rates effective as of 2/1/2017.  Rates subject to change without notice.

 

Overdraft Line of Credit

Overdraft Line of Credit

Loan Type Terms Up To APR As Low As Apply Now
Overdraft Line of Credit Open End 18.00% APPLY NOW

Loans:  All rates and terms are subject to change without notice and credit qualification.  Rates are as of 12/1/2016. APR is Annual Percentage Rate. Managed risk lending pricing is used for all consumer loans.  Maximum interest rate for loans will not exceed the maximum allowed by law.  The APR for certificate secured loans are based on current certificate rate plus 3.500% and subject to change on CD maturity. Share and Certificate Secured Loans are APR 3.50%.

 

Visa Credit Cards

Visa® Credit Cards

Loan Type Terms Up To APR As Low As Apply Now
Visa Platinum Card Open End 9.74% APPLY NOW
Visa Secured Card Open End 18.00% APPLY NOW

Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.  Not all applicants will qualify for the lowest rate.  Foreign transaction fee.  

Click Here to view Visa Terms & Conditions.

 

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