Rates

Auto Loan Rates as of April 15, 2019
Model Year Term APR with Discounts Non-discounted APR
2018 and Newer models 1 - 60 Months 3.80%** 4.55%

61 - 66 Months 3.85%** 4.60%

67 - 72 Months 4.00%** 4.75%

73 - 84 Months ($25,000 min) 5.10%** 5.85%
Used Cars


2017 Models 1 - 60 Months 4.10%* 4.60%

61 - 66 Months 4.15%* 4.65%

67 - 72 Months 4.30%* 4.80%
2016 Models 1 - 60 Months 4.20%* 4.70%

61 - 66 Months 4.35%* 4.85%

67 -72 Months 4.45%* 4.95%
2015 Models 1 - 60 Months 4.35%* 4.85%

61 - 66 Months 4.45%* 4.95%
2014 Models 1 - 60 Months 5.30%* 5.80%
2013 & Older 1 - 48 Months 5.45%* 5.95%

Membership eligibility required. Loans subject to credit approval and application. These are "as low as" rates. Actual rates may vary. APR is Annual Percentage Rate.

* This rate includes a .50% special discount for having direct deposit or automatic payments. Your auto loan rate will be determined by your credit score, model year of vehicle, and term of loan.

**This rate includes a .50% special discount for having direct deposit or automatic payments AND .25% discount for LTV (loan to Value) of 80% or lower of MSRP on above stated rate.

 

 

Checking Account Rates as of January 1, 2019

APY Min. To Earn Dividend
First Checking Pinnacle 2.00%*
First Checking 0.00%  

APY is Annual Percentage Yield. Rates and yields are accurate as of the date above and are subject to change without notice. Fees may reduce earnings on some accounts. 

*The APY on balances of $10,000.01 and above is .10%. Rates may change after account is opened. Requirements to earn interest on High Yield Checking include 12 signature based debit card transactions (excluding POS and ATM transactions) or direct deposit of at least $250 each month (excludes transfers to/from Family First shares or loans), and enrollment in e-statements with a valid email address. If the requirements are not met, the rate will be 0.00% (APY) on entire balance for the month. Requirements are calculated for each calendar month.

 

 

Home Loan Rates as of March 18, 2019


Term APR
Home Improvement - Secured
1 - 60 Months As low as 7.00%


61 - 120 As low as 8.00%
Home Improvement - Unsecured

1 - 60 Months

As low as 8.25%

Pool Loan^    1 - 60 Months As low as 6.45% 
     60 - 120 Months As low as 6.85%
Home Equity: Closed End Fixed (1)(3) No Closing Costs

Up to 90%
1 - 60 Months As low as 4.99%


61 - 120 Months As low as 5.99%
Maximum Loan to Value 100%
1 - 60 Months

As low as 6.50%



61 - 120 Months As low as 7.50%
Closed End 3/1 ARM (1) No Closing Costs 180 Months
Up to 90%

36 month intro rate as low as 6.00%



After Intro Period: as low as Prime Rate +0.0%
Maximum LTV 100%

36 Month intro rate as low as 6.25%



After Intro Period: as low as Prime Rate + .25%



Rate may adjust quarterly
Home Equity Line of Credit (2)* No Closing Costs 10 year draw period As low as Prime - .0.50%
50th Anniversary Special!!
Maximum LTV: 80%
20 year repayment Rate may adjust quarterly
Home Equity Line of Credit (2)* No Closing Costs 10 year draw period As low as Prime - 0.25%
Maximum LTV: 80.01% - 90%
20 year repayment Rate may adjust quarterly
New Mobile Home Down Payment Required 1 - 180 Months Prime + 3.5%
Used Mobile Home Call for Details 1 - 120 Months Prime + 5.0%

Disclosure: Membership eligibility required. Loans subject to credit approval and application. Actual rates may vary. APR is Annual Percentage Rate.

Prime rate as of 12/21/2018 listed in the Wall Street Journal is 5.50%. Family First FCU is an equal housing lender.

^Pool loans have the following stipulations: In-ground pools only (can include hardscape - concrete and fencing); minimum loan amount $10,000; maximum loan amount $70,000; A mortgage will be filed on the property –mortgage tax, recording fees and flood certification will be paid by CU, if the loan is paid off within the first 24 months of origination the fees will be paid back by the borrower (TRID rule apply - LE and CD need to be issued - there will be a 3 day rescission period before funds can be disbursed); Items needed at application include estimate from the contractor installing the pool, copy of deed (showing ownership of property), income verification may be requested.

(1) Home Equity Closed End, fixed or 3/1 ARM less than $15,000, member must pay closing costs.

(2) Home Equity closing costs must be paid back if loan is paid off and closed within the first 36 months. Home Equity line of credit has a 10 year draw period with a 20 year repayment period. Rates vary by loan to value.The rate will not exceed 14.95% APR. The floor rate is 3.95%

(3) Subject to credit eligibility.

Home Equity Line of Credit loans originating between 11/3/2008 and 7/31/2016 have a floor rate set at 4.00%. All new loans originated starting on 8/1/2016 will have a floor rate of 3.95%. 

 

 

Share Certificate and IRA Certificate Rates as of June 17, 2019

APY Min. To Earn Dividend
3 - 5 Months 0.30% $500
6 - 11 Months 0.65% $500
12 - 17 Months 1.00% $500
18 - 23 Months 1.25% $500
24 - 35 Months 1.50% $500
36 - 47 Months 1.60% $500
48 - 59 Months 2.00% $500
60 Months 2.00% $500

U Pick CD Special - Pick ANY term you want and we'll give you a rate of 2.25% APY*!

 

Jumbo Certificates - Add 0.15% to any of the above CD rates with $100,000 minimum balance!**

APY is annual percentage yield.

*Minimum $500 to open a certificate of deposit. Minimum term 3 months. Maximum term 60 months. Offer is subject to change without notice.

**Jumbo certificate can not be used with any other CD specials. Minimum balance of $100,000.00.

Rates and yields are set by the Credit Union Board of Directors and are subject to change without notice. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.

 

 

 

 

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Other Loan Rates as of January 1, 2019

Term APR
Personal Loans

1 - 36 Months

As low as 7.40%


36 - 60 Months As low as 8.35%
Debt Consolidation 1 - 36 Months As low as 8.40%

37 - 60 Months As low as 9.35%
Misc. Secured 1 - 36 Months As low as 6.90%

37 - 60 Months As low as 7.50%

60 - 84 Months As low as 8.50%
New Boats, RV, Motorhomes 1 - 60 Months As low as 7.40%

61 - 120 Months As low as 7.95%
Used Boats, RV, Motorhomes 1 - 60 Months As low as 7.95%

61 - 120 Months As low as 8.95%
Share Secured 1 - 144 Months Dividend Rate + 2%
Rate may adjust quarterly

Certificate Secured 1 - 144 Months Dividend Rate + 2%
Rate adjusted at certificate maturity

MoneyLine (Line of Credit)
15.90%
First Checking Plus*    
Tier 1 0.05% $2,000
Tier 2 0.05% $5,000
Tier 3 0.05% $10,000 

APR is annual percentage rate. 
*First Checking Plus is no longer available. Members who had a First Checking Plus before it was discontinued are grandfathered in to receiving these rates.

 

Savings Account Rates as of February 25, 2019  
Share Accounts  APY Min. To Earn Dividend
Regular Shares
0.10% $25
IRA Shares 0.10% $25 
Holiday Shares 0.10% $25
MoneyBuilders APY Min. To Earn Dividend
Tier 1 0.20% $1,500
Tier 2 0.30% $10,000
Tier 3 0.40% $50,000
MoneyMarket Gold APY Min. To Earn Dividend
Tier 1 0.40% $25,000 - $99,999
Tier 2 0.45% $100,000 - $499,999
Tier 3 0.50% $500,000 +

APY is Annual Percentage Yield. Rates and yields are accurate as of the date above and are subject to change without notice.

MoneyBuilders: During any statement period you may not make more than 6 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. These 6 transfers include those made by check, draft, debit card (if applicable), or similar order to third party. Transfers to make Family First loan payments, ATM withdrawals, in person withdrawals, and/or requests for checks made by phone or mail are exempt from the transfer restrictions. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below Tier 1, you will not earn a dividend for that period.

Retirement MoneyBuilders: Limited to manual distributions through a Member Service Representative. Any withdrawal is considered a distribution from your plan. Penalties and withholding may apply.

Money Market Gold: During any statement period you may not make more than 3 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below $25,000, you will not earn a dividend for that period.

 

 

 

VISA Rates as of January 29, 2018

APR
Classic

As low as 10.90%

Platinum

As low as 9.40%

 

Membership eligibility required. Subject to credit approval and application, as well as Prime Rate. Actual rates may vary. APR is Annual Percentage Rate.

 

 









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