Federal Employees Credit Union

Share Rates

Loan Rates

All Rates Quoted As Annual Percentage Rate (APR) unless otherwise noted.

 

Share Rates

Share Accounts
Share Account Type Rate Annual Percentage Yield
Share Savings .05% .05%
Holiday Share .05% .05%
IRA Share .05% .05%
Interest Plus Share Draft .05% .05%
Time Share Accounts
Regular Time Share IRA Time Share
Minimum Rate APY* Minimum Rate APY*
6 Month
$1,000 .10% .100% N/A N/A N/A
$10,000 .20% .200% N/A N/A N/A
12 Month
$1,000 .25% .250% $500 .25% .250%
$10,000 .35% .351% $10,000 .35% .351%
24 Month
$1,000 .45% .452% $500 .45% .452%
$10,000 .55% .552% $10,000 .55% .552%
36 Month
$1,000 .55% .552% $500 .55% .552%
$10,000 .65% .652% $10,000 .65% .652%
48 Month
$1,000 .55% .552% $500 .55% .552%
$10,000 .65% .652% $10,000 .65% .652%
60 Month
$1,000 .55% .552% $500 .55% .552%
$10,000 .65% .652% $10,000 .65% .652%

 

 

Loan Rates

SHARE SECURED LOANS

(Based on Dividend Rate)
3% above share rate
3.05% APR (Add 1% per year over 3 years)
HOME EQUITY LINE OF CREDIT (HELOC)
Fixed Rate 84 Month Repayment 6.75% APR to 8.25% APR
Variable Rate 180 Month Repayment 3.25% APR to 6.25% APR
Rates expressed as Annual Percentage Rate and are based on credit score and history. Not all borrowers will qualify for the same rate. Variable rate is subject to change based on the Wall Street Journal Prime rate. Fixed rate subject to change without notice. Please consult the credit union for your individual rate. Minimum initial draw amount of $500. Other restrictions may apply. Consult credit union for full details and disclosures.
VEHICLE LOANS
Cars, Trucks, Vans, Motorcycles
New Models
Term Rate (as low as)1
24 month repayment 1.40%APR
36 month repayment 1.90%APR
48 month repayment 2.40%APR
60 month repayment 2.90%APR
72 month repayment2 3.40%APR
84 month repayment2 3.90%APR
2010-2012 Models
Term Rate (as low as)1
24 month repayment 1.60% APR
36 month repayment 2.10% APR
48 month repayment 2.60% APR
60 month repayment 3.10% APR
72 month repayment2 3.60% APR
84 month repayment2 4.10% APR
2008 – 2009 Models
Term Rate (as low as)1
24 month repayment 2.00% APR
36 month repayment 2.50% APR
48 month repayment 3.00% APR
60 month repayment 3.50% APR
2005 – 2007 Models
Term Rate (as low as)1
24 month repayment 3.25% APR
36 month repayment 3.75% APR
48 month repayment 4.25% APR
2004 and Older Models
Term Rate (as low as)1
24 month repayment 4.25% APR
36 month repayment 4.75% APR

1Loan rates based on member credit qualification, credit score, total loan amount and maximum discounts. Rates are subject to change without notice. Certain restrictions apply. See credit union for details. 2 Loan term restricted to loan amounts greater than $35,000.00.
RECREATIONAL VEHICLE LOANS
Boats, ATVs, Campers, Snowmobiles, Jet Skis
New/Used 2004-2013
Term Rate (as low as)1
24 month repayment 4.00% APR
36 month repayment 4.50% APR
48 month repayment 5.00% APR
60 month repayment 5.50% APR
72 month repayment 6.00% APR
84 month repayment 6.50% APR
1999-2003
Term Rate (as low as)1
24 month repayment 4.75% APR
36 month repayment 5.25% APR
48 month repayment 5.75% APR
60 month repayment 6.25% APR
72 month repayment 6.75% APR
1998 & Older
Term Rate (as low as)1
24 month repayment 5.75% APR
36 Month Repayment 6.25% APR
48 Month Repayment 6.75% APR
60 Month Repayment 7.25% APR

1Loan rates based on member credit qualification, credit score, total loan amount and maximum discounts. Rates are subject to change without notice. Certain restrictions apply. See credit union for details. 2 Loan term restricted to loan amounts greater than $35,000.00.
SIGNATURE/PROPERTY LIEN LOANS
Term Rate (as low as)1
36 Month Repayment 11.15% APR
Add 1%/Year over 3 years
VISA CLASSIC & VISA GOLD CREDIT CARDS
Fixed Rate Visa Classic 12.90% APR
Variable Rate Visa Gold
(3.74% above Wall Street Journal Prime Rate)		 6.99% APR
SIGNATURE LOANS
Term Rate (as low as)1
36 Month Repayment 7.65% APR
48 Month Repayment 8.65% APR
SIGNATURE LOANS LESS THAN $1,000
36 Month Repayment 18.50% APR
1Loan rates based on member credit qualification, credit score, total loan amount and maximum discounts. Rates are subject to change without notice. Certain restrictions apply. See credit union for details.