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Today's Deposit & Loan Rates

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Effective: 4/1/2014

Auto and Recreational Loans
 Fixed APR
New Auto 1.70% - 13.00%
Used Auto 1.70% - 13.00%
New Boat, Motor, Trailer 4.75% - 17.75%
Used Boat, Motor, Trailer 5.75% - 17.75%
New or Used Motor Home 4.75% - 17.75%
New Camper or Motorcycle 4.75% - 17.75%
Used Camper or Motorcycle 5.75% - 17.75%

Rates, terms and conditions are subject to change without notice.


Personal Loans
 Fixed APR
Personal Line of Credit 7.90% - 18.00%
Personal Loan 7.90% - 18.00%
Educational Loan 1.70% - 13.00%
Rates, terms and conditions are subject to change without notice.


Credit Cards
 APR on Purchases and Cash AdvancesAPR on Balance Transfers
Platinum Visa and MasterCard 9.85% - 17.90%

1.75 - 9.80%

Qualifications for any of the credit union's Platinum Credit Card Accounts is based on the credit union's criteria, including applicant's income and credit / employment history. If you are approved for a Platinum Credit Card, your monthly statement will indicate the APR assigned to your account. APR will vary with the market based on the prime rate. Balance Transfer introductory rates for the first 12-months based on your credit worthiness. After 12-months your APR will vary with market based on the prime rate. Rates, terms and conditions determined by an evaluation of credit history and underwriting factors and are subject to change.


Home Equity Loan
 Fixed APRVariable APROrigination Fee
Home Equity Line of Credit n/a

3.25% - 9.25%

0.00%

Home Equity rates based on the prime rate which is the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 6.00%. The maximum APR that can apply is 18.00%. Credit is subject to approval and your APR may vary based on evaluation of credit. A home equity line of credit is secured by a first or second mortgage lien on your primary home, which must be a one-to four- family residential real estate. This type of credit is not available for cooperatives. The minimum line of credit amount is $5,000.00.  Flood and/or property hazard insurance may be required. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.


Mortgage Loans
 Interest RateAPROrigination Fee
15 Year Fixed Rate 3.50% 3.66% 0.00% / 1.00%
20 Year Fixed Rate  4.00%   4.13%  0.00% / 1.00%
7/1 Adjustable Rate 3.00% 3.09% 0.00% / 1.00%
5/5 Adjustable Rate 3.25% 3.34% 0.00% / 1.00%
Double Wide Mobile Home with Land 5.50% 5.64% 1.00%

Payment Examples based on a $100,000.00 loan:

15 Year Fixed Rate - The monthly payment would be $715.00. Offer for no origination fee is only available for new or refinanced first mortgage loans from a financial institution other than Founders Federal Credit Union.

20 Year Fixed Rate - The monthly payment would be $606.12. Offer for no origination fee is only available for new or refinanced first mortgage loans from a financial institution other than Founders Federal Credit Union.

7/1 ARM – On a 30 year loan, the maximum amount that the interest rate can rise under this program is six percentage points, and the monthly payment can rise from a first year payment of $421.72 to a maximum of $694.90 in the 10th year. Offer for no origination fee is only available for new or refinanced first mortgage loans from a financial institution other than Founders Federal Credit Union.

5/5 ARM – On a 30 year loan, the maximum amount the interest rate can rise under this program is six percentage points, and the monthly payment can rise from a first year payment of $435.33 to a maximum of $637.60 in the 16th year. Offer for no origination fee is only available for new or refinanced first mortgage loans from a financial institution other than Founders Federal Credit Union.

1 Year Adjustable Rate - Doublewide Manufactured Home- On a 20 year loan, the maximum amount the interest rate can rise under this program is six percentage points, and the monthly payment can rise from a first year payment of $687.96 to a maximum payment of $994.03 in the 4th year. 

 Rates are current as of April 1, 2014, and are the Credit Union’s best rates. Other rates and terms vary depending on the type of loan, loan to value ratio, credit evaluation and underwriting requirements. For variable rate mortgage products, APR is subject to increase or decrease. Flood, property insurance, and taxes, if applicable, are not calculated in the payment example. Actual payment obligation will be greater if an escrow account is required. All Credit Union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice.


"Rate will vary depending on individual creditworthiness and the Credit Union's underwriting standards."