Rates

Checking

Savings

Certificates & IRAs

Vehicle Loans

Credit Cards

Personal Loans

Mortgages

Home Equity Loans

Forms

Credit Cards

Put a Better Card in Your Wallet. With competitive rates, great terms and Reward Points for travel, gift cards and cash. There’s no better card to carry¹⁷!

Type	Visa Signature Card	Visa Platinum Card	Visa Business Card	Visa Secured Card
Introductory APR for Purchases (for the first six months)	0.00%	0.00%	N/A	N/A
Standard APR for Purchases	9.99-18.00%	7.99-18.00%	9.99-18.00%	15.49%
Standard APR for Balance Transfers	4.99%	4.99%

Home Loans & Equity Loans

Home Equity Line of Credit ^{(3) (5) (10) (11)}

Term	Relationship Premium Annual Percentage Rates As Low As ⁽²⁾
25 years with a 10 year draw period	3.25% for the first 12 months (Introductory offer is valid for qualified Home Equity Lines of Credit up to 80% LTV (Loan to Value); then the APR adjusts to 3.25%. (Adjusts monthly to the current Prime Rate as listed in the Wall Street Journal Money Rates section, plus or minus a margin based on individual credit circumstances and services with the Credit Union, but never lower than 3.00% APR.)

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

Home Equity Loans ^{(3) (4) (5) (10) (11)}

Term	Relationship Premium Annual Percentage Rates As Low As ⁽²⁾	Monthly Payment per $1,000 borrowed
5/5 Year Adjustable Rate 10 Year Term* ⁽³⁾	4.200%	$10.27
7 Year Fixed Rate	4.450%	$13.88
7 Year Fixed Rate First Lien Position	4.200%	$13.77
10 Year Fixed Rate	4.700%	$10.46
10 Year Fixed Rate First Lien Position	4.450%	$10.34
15 Year Fixed Rate	4.950%	$7.89
15 Year Fixed Rate First Lien Position	4.700%	$7.76
20 Year Fixed Rate	5.450%	$6.86
15 Year Fixed Rate First Lien Position	5.200%	$6.72

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

Vehicle Loans

New Cars & Trucks^{(4) (6) (7) (8)}

Term	Relationship Premium Annual Percentage Rates As Low As ⁽²⁾	Monthly Payment per $1,000 borrowed
Up to 36 Months	3.070%	$29.16
Up to 48 Months	3.320%	$22.31
Up to 60 Months	3.570%	$18.25
Up to 72 Months	4.070%	$15.71
Up to 84 Months	4.320%	$13.85

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

Used Cars & Trucks ^{(4) (6) (7) (8)}

Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed
Up to 36 Months	3.570%	$29.39
Up to 48 Months	3.820%	$22.54
Up to 60 Months	4.070%	$18.49
Up to 72 Months	4.570%	$15.94
Up to 84 Months	5.070%	$14.20

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

Motorcycles & ATVs ^{(4) (6) (7) (8)}

Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed	Min. Loan Amount
Up to 48 Months	6.440%	$23.76	$3,000
Up to 60 Months*	6.940%	$19.84	$10,000
Up to 72 Months*	7.690%	$17.44	$15,000

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

*Terms greater than 60 months are available only for New Motorcycles.

Boats and Personal Watercraft ^{(4) (6) (7) (8)}

Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed	Min. Loan Amount
Up to 48 Months	6.190%	$23.64	$3,000
Up to 60 Months*	6.690%	$19.72	$10,000
Up to 72 Months*	6.940%	$17.08	$10,000
Up to 84 Months	7.690%	$15.49	$20,000
Up to 120 Months*	7.940%	$12.15	$25,000
Up to 180 Months*	8.690%	$10.00	$50,000

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

*Terms greater than 84 months are available only for New Boats. Maximum term for Watercrafts is 60 months.

Recreational Vehicles ^{(4) (6) (7) (8)}

Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed	Min. Loan Amount
Up to 48 Months	6.440%	$23.76	$3,000
Up to 60 Months*	6.940%	$19.84	$10,000
Up to 72 Months*	7.440%	$17.32	$20,000
Up to 120 Months*	7.940%	$12.15	$50,000

Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.

Personal Loans

Term Loans⁽⁶⁾

Type	Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed
Vacation Loan	Up to 12 months	8.69%	$87.31
Holiday Loan	Up to 12 months	8.69%	$87.31
Personal Loan	Up to 60 months	9.24%	$20.96

Lines of Credit ⁽⁶⁾

Type	Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed
Personal Line of Credit	Up to 120 months	13.24% ⁽⁹⁾	$30.00

Secured Loans

Stock Secured Loans ⁽⁶⁾

Type	Term	Relationship Premium Annual Percentage Rates As Low As	Monthly Payment per $1,000 borrowed
Line of Credit		4.00%	$5.55
Principal & Interest	Up to 120 months	4.00%	$10.15
Interest Only	Up to 12 months	4.00%	$3.33 Interest Only

Savings/Certificate Secured Loans ⁽⁶⁾

Type	Term	Annual Percentage Rates
Savings Secured	Various Terms Available	3% over dividend rate
Certificate Secured	Term of Certificate	3% over dividend rate

Checking & Savings Account Rates

Checking Accounts¹

Type	Minimum Balance ⁽²⁾	Interest Rate ⁽³⁾	APY ⁽⁵⁾
VIP Checking	$0-1,499.99	0.05%	0.05%
	$1,500.00 and over	0.10%	0.10%
Advantage 50 Checking	$0 and over	0.05%	0.05%
Direct Advantage Checking	$0 and over	0.05%	0.05%
Hero Checking	$0 and over	0.05%	0.05%
Champion Checking	$0 and over	0.05%	0.05%

Savings Accounts

Type	Minimum Balance ⁽²⁾	Interest Rate ⁽³⁾	APY ⁽⁵⁾
Membership Savings	$10	0.01%	0.01%
Ultra Purple Savings	$0 - $9,999.99	0.00%	0.00%
	$10,000 - $49,999.99	0.40%	0.40%
	$50,000 - $99,999.99	0.50%	0.50%
	$100,000 - $249,999.99	0.60%	0.60%
	$250,000 - $499,999.99	0.60%	0.60%
	$500,000 and over	0.60%	0.60%
Purple Savings	$0 - $499.99	0.05%	0.05%
	$500 - $9,999.99	0.35%	0.35%
	$10,000 - $24,999.99	0.40%	0.40%
	$25,000 - $49,999.99	0.40%	0.40%
	$50,000 and over	0.50%	0.50%
Youth Savings	$0	0.01%	0.01%

Certificates & IRA Rates

Regular Term Certificates Rates¹

Term	Minimum²	Rate	APY⁵	Relationship Premium Rate⁹
3 months	$500	0.10	0.10	0.40
6 months	$500	0.15	0.15	0.45
12 months	$500	0.20	0.20	0.50
24 months	$500	0.40	0.40	0.70
36 months	$500	0.50	0.50	0.80
48 months	$500	0.60	0.60	0.90
60 months	$500	0.70	0.70	1.00

IRA Rates

Term	Minimum²	Rate	APY⁵	Relationship Premium Rate⁹
3 months	$500	0.10	0.10	0.40
6 months	$500	0.15	0.15	0.45
12 months	$500	0.20	0.20	0.50
24 months	$500	0.40	0.40	0.70
36 months	$500	0.75	0.75	1.05
48 months	$500	0.85	0.85	1.15
60 months	$500	1.00	1.01	1.30

Term Certificates & IRA Specials¹

Term	Minimum²	Rate	APY⁵	Relationship Premium Rate⁹
14 months	$500	0.60%	0.60%	0.90%
35 month Bump-up¹⁰	$500	0.30%	0.30%	0.60%

Variable IRA Savings

Minimum Balance²	Rate³	APY⁵
$0 – $999.99	0.00%	0.00%
$1,000 – $4,999.99	0.05%	0.05%
$5,000 – $24,999.99	0.05%	0.05%
$25,000 – $49,999.99	0.10%	0.10%
$50,000 – $74,999.99	0.10%	0.10%
$75,000 and over	0.15%	0.15%

Disclosures

(1) Fees may reduce earnings on these accounts

(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY)

(3) Rate is variable and may change after the account is opened

(4) APY = Annual Percentage Yield

(5) An early withdrawal penalty will be imposed

(6) Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.

(7) Relationship Premium Rates for Certificates and IRA’s include a rate premium based on your account services with the credit union. Rates indicated include premiums of 0.10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account.

(8) The Bump-Up Certificate allows you to increase the rate on the certificate to the current rate one time if rates rise during the term of the certificate. No additional deposit is needed to activate the Bump-Up feature.

Annual Percentage Yield (APY) as of 3/13/2020. Rates subject to change.