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Rates

First Credit Union

Rates effective as of 1/1/2015

Savings, Checking & Money Market

Account APY* Min. Amount
Share Savings .03% $5
First Premier Checking .02% $1,500
Money Market^ .03% $0.01-$4,999.99
.03% $5,000-$9,999.99
.03% $10,000-$24,999.99
.05% $25,000-$49,999.99
.05% $50,000 and over

*APY = Annual Percentage Yield. A minimum balance of $5 is required to earn dividends on Savings and Club Accounts. A minimum balance of $1,500 is required to earn dividends on First Premier Checking. Dividends are prospective. In case of early withdrawal or fees, earnings could be reduced. The rate, APY, and fee schedule may change at any time without notice. Other investments are also available. Call (480) 831-2645 for more information.

^$10 monthly service charge waived with $1,000 minimum balance.

Dividends will begin to accrue on noncash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

Accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, an agency of the U.S. Government. In addition, IRA funds are insured separately to $250,000 by the NCUA.

Term Certificates

Months APY* Min. Amount
3 Months .05% $2,500
.05% $10,000
6 Months .15% $2,500
.15% $10,000
1 Year .15% $500
.20% $2,500
.25% $10,000
.25% $25,000
.30% $50,000
2 Years .40% $500
.45% $2,500
.50% $10,000
.50% $25,000
.55% $50,000
3 Years .70% $500
.75% $2,500
.80% $10,000
.85% $25,000
.90% $50,000
5 Years 1.30% $500
1.35% $2,500
1.40% $10,000
1.45% $25,000
1.50% $50,000

*APY = Annual Percentage Yield. Dividends are prospective. In case of early withdrawal or fees, earnings could be reduced. Please see details below. The rate, APY, and fee schedule may change at any time without notice. Other investments are also available. Call (480) 831-2645 for more information.

Dividends will begin to accrue on noncash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is equal to 1.00% of the certificate principal per year throughout the remaining term of the certificate. There is a minimum early withdrawal penalty of $25.00 and a maximum penalty of 2.00% of the principal balance if more than two (2) years of the certificate term remain.

To calculate the penalty, use the following formula:

Principal Amount x .01 x Number of Days Remaining 365

If this amount is below $25.00, the penalty will be $25.00.

If the period remaining exceeds 2 years, the number of remaining days will be capped at 730 days.

Accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, an agency of the U.S. Government. In addition, IRA funds are insured separately to $250,000 by the NCUA. A Penalty will be imposed for early withdrawal of all term share certificates.

IRA Certificates (Traditional, Roth, Educational & Health Savings Accounts)

Months APY* Min. Amount
1 Year .30% $1,000
.35% $25,000
.40% $50,000
2 Years .60% $1,000
.65% $25,000
.70% $50,000
3 Years .95% $1,000
1.00% $25,000
1.06% $50,000
IRA Accumulation Accounts .25% N/A

*APY = Annual Percentage Yield. Dividends are prospective. In case of early withdrawal or fees, earnings could be reduced. The rate, APY, and fee schedule may change at any time without notice. Other investments are also available. Call (480) 831-2645 for more information.

Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is equal to 1.00% of the certificate principal per year throughout the remaining term of the certificate. There is a minimum early withdrawal penalty of $25.00 and a maximum penalty of 2.00% of the principal balance if more than two (2) years of the certificate term remain.

To calculate the penalty, use the following formula:

Principal Amount x .01 x Number of Days Remaining 365

If this amount is below $25.00, the penalty will be $25.00.

If the period remaining exceeds 2 years, the number of remaining days will be capped at 730 days.

Accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, an agency of the U.S. Government. In addition, IRA funds are insured separately to $250,000 by the NCUA. A Penalty will be imposed for early withdrawal of all term share certificates.

FCU Mortgage Rates

 

Home Equity

Loan APR** Min. Amount Term
Lines of Credit
(90% Loan to Value)
5.00% $10,000 Revolving
Fixed Rate closed-end
(90% Loan to Value)
6.49% $10,000 2-15 years

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Visa Credit Cards

Loan APR** Min. Amount Term
Rewards Credit Card 9.9% $2,000 Revolving
Secured Credit Card 14.9% $250 Revolving

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available on purchases. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rates will vary with the market based on Prime Rate. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Personal Loans & Lines of Credit

Loan APR** Min. Amount Term
Personal 11.50% $500 24 months
Personal 13.50% $2,500 60 months
Shared Secured 6.00% $500 60 months
Lines of Credit 13.00% Revolving

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

New Auto (2014 or newer)

APR** Term
2.59% up to 63 months - min. loan amount $10,000
2.89% 64 to 75 months - min. loan amount $15,000
3.09% 76 to 84 months - min. loan amount $20,000

Rates listed are lowest available for new auto loans based on MSRP/Kelley Retail; 2014 or newer; 760+ credit score. 2.25% floor.

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Used Auto (2005 to 2013)

APR** Term
2.69% up to 63 months - min. loan amount $10,000
3.09% 64 to 75 months - min. loan amount $15,000
3.39% 76 to 84 months - min. loan amount $20,000

Rates listed are lowest available for used auto loans based on Kelley retail; 2005 to 2013; <100,000 miles; 760+ credit score. 2.25% floor.

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Recreational Vehicles - Boats, Motor Homes & Travel Trailers

Loan APR** Min. Amount Term
NEW - 2013 or Newer 5.75% N/A 60 months
NEW - 2013 or Newer 6.00% N/A 72 months
NEW - 2013 or Newer 6.25% $25,000 84 months
NEW - 2013 or Newer 6.50% $35,000 120 months
NEW - 2013 OR NEWER 6.75% $35,000 144 momths
USED - 2007 OR NEWER 6.25% N/A 60 months
USED - 2007 OR NEWER 6.50% N/A 72 months
USED - 2007 OR NEWER 6.75% $25,000 84 months
USED - 2007 OR NEWER 7.00% $35,000 120 months
USED - 2007 OR NEWER 7.25% $35,000 144 months

Rates listed are lowest available for RV loans. New is 2013 and newer; lesser dealer invoice or retail. Used is 2007 or newer; Kelley wholesale or NADA low retail. Maximum term for boats is 72 months.

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Motorcycle

Loan APR** Term
New - 2013 or Newer 7.25% 36 months
NEW - 2013 or Newer 7.95% 48 months
NEW - 2013 or Newer 8.25% 60 months
Used - 2009 or Newer 7.75% 36 months
Used - 2009 or Newer 8.45% 48 months
Used - 2009 or Newer 8.75% 60 months

Rates listed are lowest available motorcycle rates. New is 2013 or newer and less than 12,000 miles. Used is 2009 or newer, less than 75,000 miles, and Kelley wholesale.

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Motor Sport Toy - ATVs, Jet Skis, Personal Watercraft, Scooters & Snowmobiles

Loan APR** Term
NEW - 2013 or Newer 7.25% 36 months
NEW - 2013 or Newer 7.45% 48 months
NEW - 2013 or Newer 7.75% 60 months - min. $10,000
USED - 2009 OR NEWER 7.75% 36 months
USED - 2009 OR NEWER 7.95% 48 months
USED - 2009 OR NEWER 8.50% 60 months - Min. $10,000

Sccoters, ATVs, jet skis, personal waterdraft, and snowmobiles; new is 2013 or newer; used is 2009 or newer.

**APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (480) 831-2645 for more information.

Try Our Refinance Calculator!

Calculate your savings instantly and see how much you could save by refinancing with First Credit Union.

Featured Rates

Used Auto: 2.69% APR for up to 63 months
New Auto: 2.59% APR for up to 63 months
Home Equity Loan: 5.99% APR

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