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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of December 11, 2018. Fees may reduce earnings. Rates are subject to change without notice.

Share Accounts

Account Minimum Balance to Earn Dividends APY
Business Prime Share $100 0.05%
All other Share Accounts $100 0.05%
Elite Checking Account Any 0.35%
Escrow Share Account $100 0.05%
Round Up Savings Account Any 5.00%
Christmas Club Account $100 0.05%
Youth Savings Account $5 0.05%

Interest CheckingLearn More

Balance APY
$0.01 - $9,999.99 0.05%
$10,000.00 - $24,999.99 0.15%
$25,000.00 - $49,999.99 0.20%
$50,000+ 0.25%

Money Market Account

Balance APY
$5,000.00 - $24,999.99 0.80%
$25,000.00 - $49,999.99 0.90%
$50,000.00+ 1.00%

IRA Share AccountLearn More

Balance APY
$100.00 - $9,999.99 0.70%
$10,000.00 - $24,999.99 0.80%
$25,000.00+ 0.90%

Christmas Club Plus AccountLearn More

Balance APY
$0.01 - $499.99 0.35%
$500.00 - $2,499.99 0.45%
$2,500.00+ 0.55%

Share CertificatesLearn More

Term Minimum to Open Dividend Rate APY
6 months $500 1.10% 1.10%
12 months $500 1.49% 1.50%
18 months $500 1.69% 1.70%
24 months $500  2.08% 2.10%
30 months $500  2.23% 2.25%
36 months $500  2.48% 2.50%
48 months $500 2.53% 2.55%
60 months $500 2.72% 2.75%
Kid's & Teens Club - 12 months $100  1.49% 1.50%
Kid's & Teens Club - 24 months $100 2.08% 2.10%

Penalty for early withdrawal. Dividends compounded and paid quarterly 

Smart Saver Youth Share Certificates

Term Minimum to Open Stated Rate Bonus Rate APY
12 months $500 (age 0-12)
$1,000 (age 13-17)
1.49% Plus Age1 1.50%

1 If child's age is 8, then (1.54% + 0.80%) Rate = 2.34%. If child's age is 15, then (1.54% + 1.50%) Rate = 3.04%

$20,000 maximum per youth. Penalty for early withdrawal. 

IRA CertificatesLearn More

Term Minimum to Open Dividend Rate APY
12 months $500 1.49% 1.50%
18 months $500 1.69% 1.70%
24 months $500  2.08% 2.10%
30 months $500  2.23% 2.25%
36 months $500  2.48% 2.50%
48 months $500 2.53% 2.55%
60 months $500 2.72% 2.75%

Penalty for early withdrawal. Dividends compounded and paid quarterly 

Vehicle LoansLearn More

Type of Loan Term Fixed Rate APR1 Payment Amount1
New/Used Automobiles / Trucks / Vans Up to 36 months As low as 3.44% 3.83% $731.92
New/Used Automobiles / Trucks / Vans Up to 60 months As low as 4.09% 4.33% $461.45
New/Used Automobiles / Trucks / Vans Up to 75 months As low as 4.44% 4.63%  $382.35
New/Used Automobiles / Trucks / Vans Up to 84 months As low as 5.44% 5.62%  $358.56
Motorcycles Up to 72 months As low as 6.49% 6.70% $420.17

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 LoansLearn More

Type of Loan Term Fixed Rate APR  Payment Amount
New/Used RVs / Campers / Boats (less than 7 years old) Up to 36 months As low as 5.74% 5.79%1 $350.76
New/Used RVs / Campers / Boats (less than 7 years old) Up to 60 months As low as 5.99% 6.11%2 $210.84

1 APR based loan amount of $50,000, rate of 5.74% and 240 monthly payments of $350.76.

2 APR based loan amount of $25,000, rate of 5.99% and 180 monrhly payments of $210.84.

The actual loan rate will be based on several factors inclusing, 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)Learn More

Loan to Value Term APR
Up to 80% 20 years As low as 5.25%
80.01% - 90% 20 years as low as 6.00%

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 rates as of 10/1/2018 and 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 FFCU 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 LoansLearn More

Term Fixed Rate APR Amount up to
Up to 6 months 28.00% 28.00% $1,000

APR based on loan amount of $1,000, rate of 28% and 6 monthly payments of $180.44. $20 application fee.

Credit CardsLearn More

Card Type Payment Terms APR Rewards
Visa Platinum 3% of balance

10.15 - 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

11.15 - 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

13.65 - 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 with Rewards1 3% of balance

15.99%

Earn 1 point for every $1 spent

1 $36 annual fee

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