Rates
Interest rates change frequently depending on market fluctuations. Please contact us if you have any questions concerning rates.
Savings Rates
| Type | Minimum Balance | Rate | APY* |
| Share Savings | $50.00 | 0.50% | 0.50% |
| Students Savers** | $5.00 | 1.50% | 1.51% |
| Money Market $0.00 - $1,999.99 | N/A | 0.00% | 0.00% |
| Money Market - $2,000.00 and above | $2000.00 | 0.75% | 0.75% |
| IRAs (Traditional, Roth, and Coverdell Education) | N/A | 2.80% | 2.83% |
Rates effective as of February 9, 2010 and can change at any time.
*APY = Annual Percentage Yield.
**Subject to penalties for early withdrawal.
Checking Rates
| Rate | APY* | |
| Average Daily Balance Less Than $500.00 | 0.00% | 0.00% |
| Average Daily Balance $500.00 or Above | 0.25% | 0.25% |
Rates effective as of February 9, 2010 and can change at any time.
*APY = Annual Percentage Yield
Certificate of Deposit Rates
| Term | Minimum Deposit | Rate | APY* |
| 3 Months | $500.00 | 0.75% | 0.75% |
| 6 Months | $500.00 | 1.30% | 1.30% |
| 12 Months | $500.00 | 1.55% | 1.56% |
| 24 Months | $500.00 | 2.00% | 2.01% |
| 36 Months | $500.00 | 2.30% | 2.31% |
| 6 Months | $50,000.00 | 1.50% | 1.51% |
| 12 Months | $50,000.00 | 1.75% | 1.76% |
Rates effective as of February 9, 2010 and can change at any time.
*APY = Annual Percentage Yield.
Certificate of Deposit rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates of deposit.
Auto Loans
| Term | APR^ |
| Up to 36 Months***+ | 5.75% |
| 48 Months***+ | 5.75% |
| 60 Months***+ | 5.75% |
| 72 Months***+ | 6.00% |
| Term | APR^ |
| Up to 36 Months***+ | 6.75% |
| 48 Months***+ | 6.75% |
| 60 Months***+ | 7.00% |
| Term | APR^ |
| Up to 36 Months***+ | 8.00% |
| Term | APR* |
| Up to 36 Months***+ | 9.00% |
| Term | APR^ |
| Up to 36 Months***+ | 10.50% |
^APR = Annual Percentage Rate
*** Rates and terms are subject to change. Interest rates are subject to the borrower's credit history and account history. Rates disclosed are the lowest available through Fulda Area Credit Union. Other conditions may apply.
+ Recreational vehicles 0.50% higher.
Residential Mortgage Loans
Fulda Area Credit Union offers first mortgages, second mortgages, and home equity lines of credit. Please contact us for rate and term information.
Ag/Comm Loans
| Ag Operating - contact us for rate and term information |
| Ag Term - contact us for rate and term information |
| Ag/Comm Real Estate - contact us for rate and term information |
Misc. Consumer Loans
| Maximum Term Available | APR^ | |
| Signature Loan~ | 36 Months | 12.00% |
| Share Savings Secured~ | 36 Months |
Current rate earned on Share Savings/Certificate being used as collateral plus 2.00% |
| Ready Reserve Loan~ | N/A | 12.00% |
^APR = Annual Percentage Rate.
~Rates and terms are subject to change. Interest rates and terms are subject to the borrower's credit history and credit union accounts. Rates disclosed are the lowest available through Fulda Area Credit Union. Other conditions may apply.
