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Rates

Rates


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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 1, 2024. Fees may reduce earnings. Rates are subject to change without notice.

Share Accounts

AccountsMinimum Balance to Earn DividendsAPY
Business Prime Share
$100

0.25%

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All other Share Accounts
$100

0.25%

Escrow Share Account
$100

0.25%

Christmas Club Account
$100

1.00%

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Youth Savings Account
$5

0.25%

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Round Up Savings Account

BalanceAPY
$0.01 – $24.99
0.25%
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$25.00+
3.50%
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50+ Interest Checking

BalanceMinimum to OpenAPY
Any
$50

0.10%

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Direct Interest Checking

BalanceMinimum to OpenAPY
Any
$50

0.10%

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Preferred Interest Checking

BalanceMinimum to OpenAPY
$0.01-1,499.99
$50

0.10%

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$1,500.00+
$50

0.25%

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Business Interest Checking

BalanceMinimum to OpenAPY
Any
$50

0.10%

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Money Market Account

BalanceAPY
$5,000.00 – $24,999.99

1.50%

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$25,000.00 – $49,999.99

2.25%

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$50,000.00+

3.00%

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IRA Share Account

BalanceAPY
$100.00 – $9,999.99

1.50%

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$10,000.00 – $24,999.99

2.25%

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$25,000.00+

3.00%

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Christmas Club Plus Account

BalanceAPY
$0.01 – $499.99

1.05%

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$500.00 – $2,499.99

1.10%

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$2,500.00+

1.20%

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Share Certificates

TermMinimum to OpenDividend RateAPY
6 months
$500
4.40%
4.50%
12 months
$500
4.40%
4.50%
18 months
$500
3.92%
4.00%

24 months

$500

3.92%

4.00%

30 months

$500

3.78%

3.85%        

36 months

$500

3.68%

3.75%

48 months

$500

3.68%

3.75%

60 months

$500

3.68%

3.75%

Kid’s & Teens Club – 12 months

$100

4.40%

4.50%

Kid’s & Teens Club – 24 months

$100

3.92%

4.00%

Penalty for early withdrawal. Dividends compounded and paid quarterly.

Smart Saver Youth Share Certificates

TermMinimum to OpenStated RateBonus rateAPY

12 months

$500 (age 0-12)
$1,000 (age 13-17)

4.40%

Plus Age1

4.50%

1 If child’s age is 8, then (4.40% + 0.80%) Rate = 5.20%. If child’s age is 15, then (4.40% + 1.50%) Rate = 5.90%

$20,000 maximum per youth. Dividends compounded and paid quarterly.
Penalty for early withdrawal. 

IRA Certificates

TermMinimum to OpenDividend RateAPY
12 months
$500
4.40%
4.50%
18 months
$500
3.92%
4.00%

24 months

$500

3.92%

4.00%

30 months

$500

3.78%

3.85%

36 months

$500

3.68%

3.75%

48 months

$500

3.68%

3.75%

60 months

$500

3.68%

3.75%

Penalty for early withdrawal. Dividends compounded and paid quarterly.

Vehicle Loans

Type of LoanTermFixed RateAPR1Payment Amount1

New/Used Automobiles / Trucks / Vans

Up to 36 months

As low as 6.19%

6.607%

$762.84

New/Used Automobiles / Trucks / Vans

Up to 60 months

As low as 6.84%

7.101%

$493.26

New/Used Automobiles / Trucks / Vans

Up to 75 months

As low as 7.19%

7.403%

$762.84

New/Used Automobiles / Trucks / Vans

Up to 84 months

As low as 8.19%

8.385%

$392.16

Motorcycles

Up to 72 months

As low as 7.49%

7.712%

$432.25

1The stated rate and corresponding APR assumes borrower with excellent credit score (760+), borrowing less than 90% Loan-to-Value (LTV) on a vehicle no more than 4 years old with less than 100,000 miles. Interest rates are generally higher for older model cars.

The example APR and Payment Amount are based on a loan amount of $25,000, for the maximum stated term available, and 30 days to first payment.

Actual loan rate will be determined by your actual LTV, credit score, model year and vehicle miles. Not all terms are available for all models or all borrowers. Rates are subject to change without further notice.

Recreational Vehicle Loans

Type of LoanTermFixed RateAPRPayment Amount

New/Used RVs / Campers / Boats (less than 7 years old)

Up to 240 months

As low as 7.24%

7.28%1

$395.09

New/Used RVs / Campers / Boats (less than 7 years old)

Up to 180 months

As low as 7.49%

7.592%2

$231.72

1 APR based loan amount of $50,000, rate of 7.24% and 240 monthly payments of $395.09

2 APR based loan amount of $25,000, rate of 7.49% and 180 monthly payments of $231.72

The actual loan rate will be based on several factors including, but not limited to, loan-to-value, credit score, requested term and model year. Other terms and model years may be available. Please call for options. Rates subject to change without notice.

Home Equity Line of Credit (HELOC)

Loan to ValueTermAPR

Up to 80%

20 years

As low as 8.50%

80.01% – 90%

20 years

As low as 9.25%

The Home Equity Line of Credit Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “Index”), plus a margin. Advertised rate is based on Prime Rate as of 07/27/23 and is subject to change. The minimum line of credit amount is $15,000. Minimum APR is 0%. Maximum APR (Lifetime Rate Cap) will be 18%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, CLTV, property type, amount of credit, term, and geographic location. There is a $60 annual fee. The early termination fee will be $350 if terminated within the first 36 months. No closing costs for closed loans that meet Firelands FCU criteria. Applicant will owe any costs for loans that do not close. These costs may vary based on the stage of the application. This account has a Draw Period of 10 years, after which you will be required to repay any amounts within a 10-year Repayment Period, depending upon your account balance. Hazard and, if applicable, flood insurance required. New Firelands Federal Credit Union Home Equity Accounts are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations and exclusions may apply. Terms and conditions subject to change without notice.

SMART Loans

TermFixed RateAPRAmount up to

Up to 12 months

28.00%

28.00%

$2,000

APR based on loan amount of $2,000, rate of 28% and 12 monthly payments of $190.61. $20 application fee.

Credit Cards

Card TypePayment TermsAPRRewards

Visa Platinum

3% of balance

13.40% – 18.00%

When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

None

Visa Platinum with Rewards

3% of balance

14.40% – 18.00%

When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

Earn 1 point for every $1 spent

Visa Signature with Premium Rewards

2% of balance

16.90% – 18.00%

When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

Earn 1.5 points for every $1 spent

Visa Platinum Secured

3% of balance

15.99%

Earn 1 point for every $1 spent

1 $36 annual fee

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