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Loan Rates
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Loan Rates

Additional rate saving opportunities can be found on our Current Promotions or Member Rewards Program

Vehicle
Effective Date: 07/01/2020
NameTermRates (As Low As) APR*
2016 & NEWER *requires 25k min 84 4.00%
2014 & NEWER * requires 12.5k min 72 3.50%
2014 & NEWER 60 3.00%
2011-2013 60 4.50%
Classic Cars: Any Vehicle 20 years or older. To determine the value of this type of collateral, the Credit Union must be provided with a professional appraisal. FFACU will lend up to 85% of the appraised value on classics. Appraisals are to be performed at the borrower's expense.
Motor homes and Travel Trailers: Financing of up to 80% LTV. Max term of 60 months. Excluded from all promos.

Recreational
Effective Date: 05/01/2020
AmountTermRates (As Low As) APR*
NADA 100% Retail 15K PLUS MOTOR HOMES, TRAVEL TRAILERS AND BOATS (up to 9 years old)    
$15,001.00 - $25,000.00 84 5.25%
$25,001.00 - $40,000.00 120 5.75%
$40,001.00 - $60,000.00 180 6.50%

Unsecured
Effective Date: 05/01/2020
NameTermRates (As Low As) APR*
Amounts (unsecured - maximum loan amount $7,500.00) Amount available contingent on credit score. 48 8.00%

Revolving Credit
NameTermRates (As Low As) APR*
Maximum loan amount $5,000.00, minimum payment $3.50 per $100.00 of loan balance.   16.50%

Shared Secured
Effective Date: 01/01/2020
NameTermRates (As Low As) APR*
(100% secure, max term 120 months) 120 3.00%

Certficate of Deposit
Effective Date: 01/01/2020
CD Secured
(100% Secured) 2.50 points above CD rate, maturity of CD equals maturity of loan

Home Equity Loans* (80% LTV)
Effective Date: 05/01/2020
AmountTermRates (As Low As) APR*
Up to $13,000 60 4.50%
$13,001 PLUS 120 5.50%

*As low as rates are subject to credit approval and other conditions. APR = Annual Percentage Rate.

The amount financed for used autos is based upon the current issue of the N.A.D.A pricing guide retail value. Loan rates are subject to change without prior notification. Salvage Title Vehicles: Financing only up up 75% of NADA Retail Value.

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