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 $5.00*** 0.35% 0.35%
Students Savers** $0.00 1.35% 1.36%
WINcentive Savings $5.00*** 0.45% 0.45%
Money Market $0.00 - $1,999.99 N/A 0.00% 0.00%
Money Market - $2,000.00 - $9,999.99 $2000.00**** 0.50% 0.50%
Money Market - $10,000.00 - $24,999.99 $10,000.00**** 0.55% 0.55%
Money Market - $25,000.00 - $49,999.99 $25,000.00**** 0.60% 0.60%
Money Market - $50,000.00 and higher $50,000.00**** 0.65% 0.65%
IRAs (Traditional, Roth, and Coverdell Education) N/A 1.30% 1.31%

Rates effective as of January 1, 2017 and can change at any time. Fees may reduce earnings. Rate and annual percentage yield may change after account opening. All savings accounts (except the Student Savers account) require ownership of at least one $5.00 share in the credit union to open the account.

*APY = Annual Percentage Yield.
**Subject to penalties for early withdrawal.
***Minimum balance provided is the minimum balance required to open account
****Minimum balance provided is the minimum balance required to earn APY

 

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 January 1, 2017 and can change at any time. Fees may reduce earnings. Rate and annual percentage yield may change after account opening. All checking accounts require ownership of at least one $5.00 share in the credit union to open the account.

*APY = Annual Percentage Yield
**Average daily balance provided is the minimum average daily balance required to earn APY.

 

Certificate of Deposit Rates

Term Minimum Deposit** Rate APY*
3 Months $500.00 0.45% 0.45%
6 Months $500.00 0.65% 0.65%
9 Months $500.00 0.75% 0.75%
12 Months $500.00 0.85% 0.85%
18 Months $500.00 1.00% 1.00%
24 Months $500.00 1.15% 1.15%
36 Months $500.00 1.50% 1.51%
48 Months $500.00 1.90% 1.91%
60 Months $500.00 2.25% 2.26%
3 Months $50,000.00 0.55% 0.55%
6 Months $50,000.00 0.75% 0.75%
9 Months $50,000.00 0.85% 0.85%
12 Months $50,000.00 0.95% 0.95%
18 Months $50,000.00 1.10% 1.10%
24 Months $50,000.00 1.25% 1.25%
36 Months $50,000.00 1.60% 1.61%
48 Months $50,000.00 2.00% 2.01%
60 Months $50,000.00 2.35% 2.36%

Rates effective as of January, 1 2017 and can change at any time. Fees may reduce earnings. All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit.

*APY = Annual Percentage Yield.
**Minimum deposit provided is the minimum balance required to open account and earn APY.
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

Model Years 2015 and Newer
Term Rate*** APR*** Repayment Example
Up to 36 Months*** 3.75% 3.89% An example of a 3-year fixed rate monthly payment at the quoted rate would be
36 monthly payments of $29.47 per $1000 borrowed.
48 Months*** 3.75% 3.86% An example of a 4-year fixed rate monthly payment at the quoted rate would be
48 monthly payments of $24.46 per $1000 borrowed.
60 Months*** 3.75% 3.84% An example of a 5-year fixed rate monthly payment at the quoted rate would be
60 monthly payments of $18.35 per $1000 borrowed.
72 Months*** 3.75% 3.82% An example of a 6-year fixed rate monthly payment at the quoted rate would be
72 monthly payments of $15.57 per $1000 borrowed.
Model Years 2012 to 2014
Term Rate*** APR*** Repayment Example
Up to 36 Months*** 4.50% 4.71% An example of a 3-year fixed rate monthly payment at the quoted rate would be
36 monthly payments of $29.86 per $1000 borrowed.
48 Months*** 4.75% 4.91% An example of a 4-year fixed rate monthly payment at the quoted rate would be
48 monthly payments of $23.00 per $1000 borrowed.
60 Months*** 5.00% 5.13% An example of a 5-year fixed rate monthly payment at the quoted rate would be
60 monthly payments of $18.94 per $1000 borrowed.
Model Years 2009 to 2011
Term Rate*** APR*** Repayment Example
Up to 36 Months*** 5.75% 6.10% An example of a 3-year fixed rate monthly payment at the quoted rate would be
36 monthly payments of $30.50 per $1000 borrowed.
Up to 48 Months*** 6.00% 6.27% An example of a 3-year fixed rate monthly payment at the quoted rate would be
48 monthly payments of $23.64 per $1000 borrowed.
Up to 60 Months*** 6.25% 6.47% An example of a 3-year fixed rate monthly payment at the quoted rate would be
60 monthly payments of $19.58 per $1000 borrowed.
Model Years 2006 to 2008
Term Rate*** APR*** Repayment Example
Up to 36 Months*** 6.50% 7.19% An example of a 3-year fixed rate monthly payment at the quoted rate would be
36 monthly payments of $31.04 per $1000 borrowed.
Up to 48 Months*** 6.75% 7.28% An example of a 3-year fixed rate monthly payment at the quoted rate would be
48 monthly payments of $24.13 per $1000 borrowed.
Autos - Model Years 2005 and Older
Term Rate*** APR*** Repayment Example
Up to 36 Months*** 7.75% 8.85% An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $31.88 per $1000 borrowed.

*** APR = Annual Percentage Rate. Rates and terms are subject to change. 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. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.

 

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. All loans subject to credit approval and vary based on credit worthiness, qualifications, and collateral conditions.

 

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

All loans subject to credit approval and vary based on credit worthiness, qualifications, and collateral conditions.

 

Misc. Consumer Loans

  Term Rate~ APR~ Repayment Example
Signature Loan~ 36 Months (up to) 9.00% 10.38% An example of a 3-year fixed rate monthly payment at the quoted rate would be
36 monthly payments of $32.44 per $1000 borrowed.
Ready Reserve Loan~ N/A 9.00% 9.00%  

~APR = Annual Percentage Rate. Rates and terms are subject to change. 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. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.

last edited on 03/16/17