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!

TypeVisa Signature CardVisa Platinum CardVisa Business CardVisa Secured Card
Introductory APR for Purchases (for the first six months)0.00%0.00%N/AN/A
Standard APR for Purchases9.99-18.00%7.99-18.00%9.99-18.00%15.49%
Standard APR for Balance Transfers4.99%4.99%

Home Loans & Equity Loans

Home Equity Line of Credit (3) (5) (10) (11)

TermRelationship Premium Annual Percentage Rates As Low As (2)
25 years with a 10 year draw period3.25% 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)

TermRelationship 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 Rate4.450%$13.88
7 Year Fixed Rate First Lien Position4.200%$13.77
10 Year Fixed Rate4.700%$10.46
10 Year Fixed Rate First Lien Position4.450%$10.34
15 Year Fixed Rate4.950%$7.89
15 Year Fixed Rate First Lien Position4.700%$7.76
20 Year Fixed Rate5.450%$6.86
15 Year Fixed Rate First Lien Position5.200%$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)

TermRelationship Premium Annual Percentage Rates As Low As (2)Monthly Payment per $1,000 borrowed
Up to 36 Months3.070%$29.16
Up to 48 Months3.320%$22.31
Up to 60 Months3.570%$18.25
Up to 72 Months4.070%$15.71
Up to 84 Months4.320%$13.85

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

Used Cars & Trucks (4) (6) (7) (8)

TermRelationship Premium Annual Percentage Rates As Low As Monthly Payment per $1,000 borrowed
Up to 36 Months3.570%$29.39
Up to 48 Months3.820%$22.54
Up to 60 Months4.070%$18.49
Up to 72 Months4.570%$15.94
Up to 84 Months5.070%$14.20

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

Motorcycles & ATVs (4) (6) (7) (8)

TermRelationship Premium Annual Percentage Rates As Low As Monthly Payment per $1,000 borrowedMin. Loan Amount
Up to 48 Months6.440%$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)

TermRelationship Premium Annual Percentage Rates As Low As Monthly Payment per $1,000 borrowedMin. Loan Amount
Up to 48 Months6.190%$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 Months7.690%$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)

TermRelationship Premium Annual Percentage Rates As Low As Monthly Payment per $1,000 borrowedMin. Loan Amount
Up to 48 Months6.440%$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)

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Vacation LoanUp to 12 months8.69%$87.31
Holiday LoanUp to 12 months8.69%$87.31
Personal LoanUp to 60 months9.24%$20.96

Lines of Credit (6)

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Personal Line of CreditUp to 120 months13.24% (9)$30.00

Secured Loans

Stock Secured Loans (6)

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Line of Credit4.00%$5.55
Principal & InterestUp to 120 months4.00%$10.15
Interest OnlyUp to 12 months4.00%$3.33 Interest Only

Savings/Certificate Secured Loans (6)

TypeTermAnnual Percentage Rates
Savings SecuredVarious Terms Available3% over dividend rate
Certificate SecuredTerm of Certificate3% over dividend rate

Checking & Savings Account Rates

Checking Accounts1

TypeMinimum Balance (2)Interest Rate (3)APY (5)
VIP Checking $0-1,499.990.05%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 over0.05%0.05%
Hero Checking$0 and over0.05%0.05%
Champion Checking$0 and over0.05%0.05%

Savings Accounts

TypeMinimum Balance (2)Interest Rate (3)APY (5)
Membership Savings$100.01%0.01%
Ultra Purple Savings$0 - $9,999.990.00%0.00%
$10,000 - $49,999.990.40%0.40%
$50,000 - $99,999.990.50%0.50%
$100,000 - $249,999.990.60%0.60%
$250,000 - $499,999.990.60%0.60%
$500,000 and over0.60%0.60%
Purple Savings$0 - $499.990.05%0.05%
$500 - $9,999.990.35%0.35%
$10,000 - $24,999.990.40%0.40%
$25,000 - $49,999.990.40%0.40%
$50,000 and over0.50%0.50%
Youth Savings$00.01%0.01%

Certificates & IRA Rates

Regular Term Certificates Rates1

TermMinimum2RateAPY5Relationship Premium Rate9
3 months$5000.100.100.40
6 months$5000.150.150.45
12 months$5000.200.200.50
24 months$5000.400.400.70
36 months$5000.500.500.80
48 months$5000.600.600.90
60 months$5000.700.701.00

IRA Rates

TermMinimum2RateAPY5Relationship Premium Rate9
3 months$5000.100.100.40
6 months$5000.150.150.45
12 months$5000.200.200.50
24 months$5000.400.400.70
36 months$5000.750.751.05
48 months$5000.850.851.15
60 months$5001.001.011.30

Term Certificates & IRA Specials1

TermMinimum2RateAPY5Relationship Premium Rate9
14 months$5000.60%0.60%0.90%
35 month Bump-up10$5000.30%0.30%0.60%

Variable IRA Savings

Minimum Balance2Rate3APY5
$0 – $999.990.00%0.00%
$1,000 – $4,999.990.05%0.05%
$5,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.10%0.10%
$50,000 – $74,999.990.10%0.10%
$75,000 and over0.15%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.