Effective 12/1/2010 All Rates Subject to Change
* REFINANCING OF CURRENT FMFCU LOANS NOT AVAILABLE FOR LOWER RATES *
Credit Card - Visa and Master Card
         
Term   Rate Type APR** Maximum Amount
N/A   Fixed 8.90%  $5000.00
 
New Auto
Term   Rate Type APR** Loan to Value 100%

Direct Deposit or Auto Pay

Up to 72 Months

   Fixed 3.75% Payment Per $1000.00 @ 72 Mos. $15.54

Over Counter Payment

Up to 72 Months

   Fixed 3.95% Payment Per $1000.00 @ 72 Mos. $15.63
(Vendor Single Interest Insurance fee of $75.00 required for all auto loans)
Used Auto
Term  Age of Vehicle Rate Type APR**

Loan to Value 100%

Direct Deposit or Auto Pay

Up to 72 Months

 1-4 yrs old Fixed 4.25%

Payment Per $1000.00 @ 72 Mos. $15.77

Over Counter Payment

Up to 72 Months

 

  1-4 yrs old  Fixed  4.50% Payment Per $1000.00 @ 72 Mos. $15.88

Direct Deposit or Auto Pay

Up to 48 Months (LTV 80%)

 5-8 yrs old Fixed 4.50% Payment Per $1000.00 @ 48 Mos. $22.81

Over Counter Payment

 Up to 48 Months  (LTV 80%)

 5-8 yrs old Fixed 4.75% Payment Per $1000.00 @ 48 Mos. $22.92
 (Vendor Single Interest Insurance fee of $75.00 required for all auto loans)
Motorcycle Loan
Term  Age of Vehicle Rate Type APR**

Loan to Value 100%

Up to 72 Months

 1-4 yrs old Fixed 7.00%

Payment Per $1000.00 @ 72 Mos. $17.05

Up to 48 Months
(LTV 80%)

 

 5-8 yrs old  Fixed  7.00% Payment Per $1000.00 @ 72 Mos. $23.95

Vendor Single Interest Insurance fee of $ 75.00 required for all collateral loans
 
Fixed Rate Equity Loan ($15,000.00 to $125,000.00)
Term   Rate Type APR** Loan to Value 70%
Up to 60 Months   Fixed 4.95% Payment Per $1000.00 @ 60 Mos. $18.85
61 to 120 Months   Fixed 5.25% Payment Per $1000.00 @ 120 Mos. $10.73
121 to 180 Months   Fixed 5.50% Payment Per $1000.00 @ 180 Mos. $8.18
(No Credit Union closing costs; Borrowers pay mortgage recording fee of $175.00 and other fees may apply, including, discharge of mortgages, homestead recordings, trust recordings, etc)
Variable Rate Equity Loan ($20,000.00 to $125,000.00)
Term Rate Type APR** Loan to Value 70%
Up to 180 Months Variable Prime -3/4% Payment Per $1000.00 Based on Current Rate of 4.50% for 180 Mos. $7.66
(Currently at 4.50% Rate Adjusts Semi-Annually on June 30 & December 31)
Floor on all Equity Lines is 4.50%
(No Credit Union closing costs; Borrowers pay mortgage recording fee of $175.00 and other fees may apply, including, discharge of mortgages, homestead recordings, trust recordings, etc)
Unsecured (maximum $7,000)
Term   Rate Type APR** Loan Limits
Up to 60 Months   Fixed 13.75% Payment Per $1000.00 @ 60 Mos. $23.16
     
Other Collateral Loan-Includes Boats, Trailers, & All Recreation Vehicles
Term   Rate Type APR** Loan to Value 100%
Up to 96 Months   Fixed 10.00% $50,000.00 ( Payment Per $1000.00 @ 96 Mos. $15.17)
(Vendor Single Interest Insurance fee of $75.00 required for all collateral loans)
Share or Certificate Secured - Variable Rate Loans ***
Term/Max Amount   Rate Type    Loan to Value 90%
Up to 120 Months Up to Secured Balance 2.5% Over Savings Rate
Up to 120 Months Up to Secured Balance 2.5% Over CD Rate
(Variable rate adjusts when savings or CD rates change)
* Rate adjusts semi-annually on June 30 and December 31
 
**APR stands for Annual Percentage Rate.
 
*** Variable Rate Adjusts When Savings or Certificate Rates Change
 
Share Draft /ACH Fee Rate Schedule
Overdrafts Paid $5.00
Overdrafts Returned Unpaid $25.00
Stop Payment $15.00    
Returned Deposit Items $25.00    
Draft Photocopy $1.00
Monthly Service Fee $1.00

 
Effective 12/1/2010 All Rates Subject to Change
All dividends pay monthly as of 12/1/2010
Share Rates
Account Type Min Dividend Balances   Dividend Rates APY*
Regular Shares (Savings) $25.00   .65% .65%
Drafts/Checking $1000.00   .10% .10%
Club Savings $25.00   .75% .75%

Money Market

 $500.00   .75% .75%
IRA's (Share & Certificates) $500.00   .75% .75%
IRA's (Share & Certificates) $10,000.00   .85% .85%
IRA's (Share & Certificates) $25,000.00   1.00% 1.00%
 
All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded quarterly. All share account rates are Variable Rates (unless otherwise noted). All merchant account credit card services have no monhtly fees, no annual fees and no ETF fees. See merchant processor website for more details.
 
Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change monthly. Not responsible for typographical errors or omissions.

 Certificate of Deposit
Account Type Dividend Method Minimum Balance Dividend Rates APY*
3 Month Monthly Paid  500.00 .50% .51%
6 Month Monthly Paid  500.00 .90% .91%
12 Month Monthly Paid  500.00 1.15% 1.16%
18 Month Monthly Paid  500.00 1.25% 1.26%
24 Month Monthly Paid  500.00 1.50% 1.51%
 
Certificate Specials
9 Month Monthly Paid $5,000.00 1.00% 1.01%
9 Month Monthly Paid $10,000.00 1.10% 1.11%

9 Month

 Monthly Paid $50,000.00 1.25% 1.26%
15 Month Monthly Paid $5,000.00 1.25% 1.26%
15 Month Monthly Paid $10,000.00 1.35% 1.36%
15 Month Monthly Paid $50,000.00 1.45% 1.46%
*APY stands for Annual Percentage Yield. All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly.
 

Penalties exist for early withdrawal. The member has the option to have dividends transferred to Share account or check mailed. If member chooses this option the certificate would be non-compounding.