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Current Family First CU Rates

Current Rates

Loan Rates

New & Used Auto Loans

New & Used Autos
Effective Date: Tuesday, June 25th, 2024
(includes cars, vans, trucks, and conversion van)
TermAPR as low as
New Auto - 2024 or prior model year with less than 10,000 miles
Up to 36 Months 6.75%
Up to 48 Months 6.75%
Up to 60 Months 6.75%
Up to 72 Months 7.25%
Up to 84 Months 7.99%
Used Auto 1-5 Model Year Old (2023-2019)
Up to 36 Months 6.99%
Up to 48 Months 6.99%
Up to 60 Months 6.99%
Up to 72 Months 7.99%
Used Auto 5+ Model Year & Older (2018 & older)
Up to 36 Months 7.15%
Up to 48 Months 7.15%
Up to 60 Months 7.95%

New & Used Motorcycle, Boat/Watercraft & RVs

New & Used Motorcycle, Boat/Watercraft & RVs
TermAPR as low as
New Motorcycle, Boat/Watercraft & RV Loans
36-59 Months 7.75%
60-84 Months 8.15%
10 Year Fixed (minimum $50,000) 8.99%
15 Year Fixed (minimum $65,000) 9.80%
Used Motorcycle, Boat/Watercraft & RV
36-59 Months 7.99%
60-84 Months 8.49%
10 Year Fixed (minimum $50,000) 9.25%
15 Year Fixed (minimum $65,000) 9.99%

New & Used ATVs

New & Used ATVs
TermAPR as low as
New ATVs
Up to 60 Months 8.75%
84 Months (for new only) 9.00%
Used ATVs
Up to 60 Months 8.99%

Mortgages

Mortgages
DescriptionAPR as low as
5 Year Balloon - amortized 15/30 7.00%
7 Year Balloon - amortized 15/30 7.25%
9 Year Balloon - amortized 15/30 7.50%
12 Year Balloon - amortized 15/30 7.60%
10 Year Fixed 6.50%
15 Year Fixed 6.50%
20 Year Fixed 6.75%
25 Year Fixed 6.75%
30 Year Fixed 6.75%
REFINANCED MORTGAGES
5 Year Balloon amortized for 15/30 6.00%
7 Year Balloon amortized for 15/30 6.25%
9 Year Balloon amortized for 15/30 6.50%
12 Year Balloon amortized for 15/30 6.75%

Home Equity Loans

Home Equity Loans
TermAPR as low as
5 Year Fixed 6.99%
10 Year Fixed 7.25%
15 Year Fixed 7.99%
20 Year Fixed 8.25%

Visa Credit Card

Visa Credit Card
DescriptionAPR as low as
Visa Credit Card 8.90%

Personal Loans

Personal Loans
DescriptionAPR as low as
Signature Loans 10.25%
Credit Builder Loans (12 to 24 mos) 9.99%
Share Secured Loans
(Base Rate 3.00% + Share/CD Rate) Max 60 mos.
3.00%

Other Loans

Other Loans
DescriptionAPR as low as
Emergency Loan 18.00% + Fees
Line of Credit-Checking Overdraft Protection 18.00%
APR=Annual Percentage Rate

Savings Rates

Savings

Savings
Effective Date: Tuesday, June 25th, 2024
DescriptionAPY
Youth Savings Account: $0 & Up 1.00%
Adult Savings: $0 - $499.99 0.00%
Adult Savings: $500 - $10,000 0.05%
Adult Savings: $10,000.01 & Up 0.10%
Christmas Club: $1.00 & Up 0.05%
Business Savings: $0 - $499.99 0.00%
Business Savings: $500 - $10,000 0.15%
Business Savings: $10,000.01 & Up 0.25%

Checking Rates

Checking Rates
Tier BreakdownAPY
Basic Checking
$0 or over 0.00%
Premium Checking
$0 - $2,499.99 0.00%
$2,500 - $9,999.99 0.00%
$10,000 - $24,999.99 0.00%
$25,000 - $49.999.99 0.00%
$50,000 & over 0.00%
Business Checking With Interest
$0 - $9,999.99 0.00%
$10,000 - $24,999.99 0.05%
$25,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.15%
$100,000 & over 0.15%

Certificates of Deposit

Certificates of Deposit
TermMinimum DepositAPY
CD SPECIAL
10 Month CD Special $1,000.00 4.00%
Save to Win CD
12 Months $25.00 3.50%
3 Months $500.00 0.50%
6 Months $500.00 3.00%
12 Months $1,000.00 3.50%
18 Months $1,000.00 3.00%
24 Months $1,000.00 3.00%
36 Months $1,000.00 3.00%
48 Months $1,000.00 3.00%
60 Months $1,000.00 3.00%
Youth CD - Min./Max. Deposit $100/$2,000 (Max. Age 23 yrs.)
4 Months $100.00 3.25%

IRA Passbook Account

IRA Passbook Account
Tier BreakdownAPY
$0 - $100.99 0.00%
$101.00 - $1,000.99 0.05%
$1001.00 - $24,999.99 0.15%
$25,000.00 - $49,999.99 0.20%
$50,000 & over 0.25%

Traditional/Roth IRA CDs

Traditional/Roth IRA CDs
TermAPY
12 Months - Minimum Deposit $1,000 3.50%
24 Months - Minimum Deposit $1,000 3.00%
36 Months - Minimum Deposit $1,000 3.00%
48 Months - Minimum Deposit $1,000 3.00%
60 Months - Minimum Deposit $1,000 3.00%
APY=Annual Percentage Yield. Fees could reduce your earnings on savings products.

Money Market Account

Money Market Account
Tier BreakdownAPY
$0 - $999.99 0.10%
$1,000 - $24,999.99 0.25%
$25,000 - $49,999.99 0.35%
$50,000 - $99,999.99 0.45%
$100,000 & Up 0.55%
$200,000 and up 0.75%

 

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