First Area Credit Union

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Rates

New Auto/Street Cycles
Effective Date: Tuesday, December 18th, 2018
LOAN TERM/DETAILSYEAR OF VEHICLEAPR*
Up to 60 months 2016-2017 2.75%
61-72 months 2016-2017 3.25%
73-84 months
(min loan amount 25,000)
2016-2017 3.75%
*APR = Annual Percentage Rate

Used Autos/Street Cycles
LOAN TERM/DETAILSYEAR OF VEHICLEAPR*
Up to 60 months 2015 - OLDER 3.25%
61-72 months
(min loan amount 15,000)
2015 - OLDER 3.75%
* APR = Annual Percentage Rate

Classic Cars (20yrs+) Appraisal Required
LOAN TERM/DETAILSYEAR OF VEHICLEAPR*
Up to 60 months 1997 - OLDER 5.00%
*APR = Annual Percentage Rate

Boats & RV's
LOAN TERM/DETAILS APR*
Up to 60 months   3.25%
61-84 months
(min loan amount 25,000)
  3.79%
85-120 months
(min loan amount 45,000)
  5.00%
* APR = Annual Percentage Rate

Recreational
LOAN TERM/DETAILS APR*
Up to 60 months   4.00%
61-72 months
(min loan amount 15,000)
  4.25%
73-84 months
(min loan amount 25,000)
  4.50%
*APR = Annual Percentage Rate

Signature/Unsecured Loans
LOAN TERM/DETAILS APR*
Up to 36 months   6.50%
Up to 48 months   7.00%
Up to 60 months   7.50%
*APR = Annual Percentage Rate

Secured
LOAN TERM/DETAILSNO CREDIT REPORT NEEDEDAPR*
Shared Secured   2.75%
Share Certificate 2% ABOVE CURRENT RATE  
*APR = Annual Percentage Rate

Please contact the credit union for current mortgage rates.

APR = Annual Percentage Rate

** Annual Percentage rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice.

Not all will qualify for the best rate. Ask for details

** Driving Sense program need to add 1% to the rate.
Qualified vehicles are model year 2010 or newer.

 

Savings Rates
Effective Date: Tuesday, December 18th, 2018
DescriptionAPY*
Share Certificate ($500.00 Minimum Deposit)**
12 Month Term 0.50%
24 Month Term 0.70%
36 Month Term 0.90%
48 Month Term 1.10%
60 Month Term 1.50%
Money Markets
$10,000.00 - 59,999.00 0.25%
$60,000.00 - 99,999.00 0.35%
$100,000.00 & over 0.45%
Savings
$25.00 & over 0.20%
*Annual Percentage Yield

**Early withdrawal penalties may apply and may reduce earnings.

Rates subject to change. May not be used to refinance existing loans at First Area Credit Union.

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Up to 60 Months

Payment Example:
Based on 25,000
2.75% APR = 446.43

61-72 Months

Payment Example:
Based on 25,000
3.25% APR = 382.64

73-84 Months

Payment Example:
Based on 25,000
3.75% APR = 338.85

Up to 60 Months

Payment Example:
Based on 15,000
3.25% APR = 271.19

61-72 Months

Payment Example:
Based on 15,000
3.75% APR = 232.97

Up to 60 Months

Payment Example:
Based on 30,000
5.00% APR = 566.12

Up to 60 Months

Payment Example:
Based on 25,000
3.25% APR = 451.99

61-84 Months

Payment Example:
Based on 25,000
3.75% APR = 338.85

85-180 Months

Payment Example:
Based on 45,000
5.00% APR =355.83

Up to 60 Months

Payment Example:
Based on 15,000
4.00% APR = 276.24

61-72 Months

Payment Example:
Based on 15,000
4.25% APR = 236.38

73-84 Months

Payment Example:
Based on 25,000
4.50% APR = 347.50

Up to 36 Months

Payment Example:
Based on 5,000
6.50% APR = 153.24

48 Months

Payment Example:
Based on 5,000
7.00% APR = 119.73

60 Months

Payment Example:
Based on 5,000
7.50% APR = 100.18

Share Secured

Payment Example:
Based on 10,000
2.75% APR = 178.57

Certificate of Deposit/Money Market