APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 21, 2023. Fees may reduce earnings. Rates are subject to change without notice.
Share Accounts
Account | Minimum Balance to Earn Dividends | APY |
---|---|---|
Business Prime Share | $100 | 0.01% |
All other Share Accounts | $100 | 0.01% |
Escrow Share Account | $100 | 0.01% |
Christmas Club Account | $100 | 0.01% |
Youth Savings Account | $5 | 0.01% |
Round Up Savings Account Learn More
Balance | APY |
---|---|
$0.01 - $24.99 | 0.01% |
$25.00+ | 1.00% |
50+ Interest Checking Learn More
Balance | Minimum to Open | APY |
---|---|---|
Any | $50 | 0.01% |
Direct Interest Checking Learn More
Balance | Minimum to Open | APY |
---|---|---|
Any | $50 | 0.01% |
Preferred Interest Checking Learn More
Balance | Minimum to Open | APY |
---|---|---|
$0.01-1,499.99 | $50 | 0.01% |
$1,500.00+ | $50 | 0.02% |
Business Interest Checking Learn More
Balance | Minimum to Open | APY |
---|---|---|
Any | $50 | 0.01% |
Money Market Account
Balance | APY |
---|---|
$5,000.00 - $24,999.99 | 0.85% |
$25,000.00 - $49,999.99 | 1.05% |
$50,000.00+ | 1.75% |
IRA Share Account Learn More
Balance | APY |
---|---|
$100.00 - $9,999.99 | 0.85% |
$10,000.00 - $24,999.99 | 1.05% |
$25,000.00+ | 1.75% |
Christmas Club Plus Account Learn More
Balance | APY |
---|---|
$0.01 - $499.99 | 0.05% |
$500.00 - $2,499.99 | 0.10% |
$2,500.00+ | 0.20% |
Share Certificates Learn More
Term | Minimum to Open | Dividend Rate | APY |
---|---|---|---|
6 months | $500 | 2.96% | 3.00% |
12 months | $500 | 3.73% |
3.80% |
18 months | $500 | 3.83% | 3.90% |
24 months | $500 | 3.92% | 4.00% |
30 months | $500 | 3.54% | 3.60% |
36 months | $500 | 3.68% | 3.75% |
48 months | $500 | 3.78% | 3.85% |
60 months | $500 | 3.83% | 3.90% |
Kid's & Teens Club - 12 months | $100 | 3.73% | 3.80% |
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
Term | Minimum to Open | Stated Rate | Bonus Rate | APY |
---|---|---|---|---|
12 months | $500 (age 0-12) $1,000 (age 13-17) |
3.73% | Plus Age1 | 3.80% |
1 If child's age is 8, then (3.73% + 0.80%) Rate = 4.53%. If child's age is 15, then (3.73% + 1.50%) Rate = 5.23%
$20,000 maximum per youth. Dividends compounded and paid quarterly.
Penalty for early withdrawal.
IRA Certificates Learn More
Term | Minimum to Open | Dividend Rate | APY |
---|---|---|---|
12 months | $500 | 3.97% | 4.05% |
18 months | $500 | 4.07% | 4.15% |
24 months | $500 | 4.16% | 4.25% |
30 months | $500 | 3.54% | 3.60% |
36 months | $500 | 3.68% | 3.75% |
48 months | $500 | 3.78% | 3.85% |
60 months | $500 | 3.83% | 3.90% |
Penalty for early withdrawal. Dividends compounded and paid quarterly.
Vehicle Loans Learn More
Type of Loan | Term | Fixed Rate | APR1 | Payment Amount1 |
---|---|---|---|---|
New/Used Automobiles / Trucks / Vans | Up to 36 months | As low as 5.44% | 5.85% | $754.42 |
New/Used Automobiles / Trucks / Vans | Up to 60 months | As low as 6.09% | 6.34% | $484.52 |
New/Used Automobiles / Trucks / Vans | Up to 75 months | As low as 6.44% | 6.65% | $405.93 |
New/Used Automobiles / Trucks / Vans | Up to 84 months | As low as 7.44% | 7.63% | $382.89 |
Motorcycles | Up to 72 months | As low as 6.49% | 6.70% | $420.28 |
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 Learn More
Type of Loan | Term | Fixed Rate | APR | Payment Amount |
---|---|---|---|---|
New/Used RVs / Campers / Boats (less than 7 years old) | Up to 240 months | As low as 6.24% | 6.28%1 | $365.38 |
New/Used RVs / Campers / Boats (less than 7 years old) | Up to 180 months | As low as 6.49% | 6.61%2 | $217.76 |
1 APR based loan amount of $50,000, rate of 6.24% and 240 monthly payments of $365.38
2 APR based loan amount of $25,000, rate of 6.49% and 180 monthly payments of $217.76
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) Learn More
Loan to Value | Term | APR |
---|---|---|
Up to 80% | 20 years | As low as 7.75% |
80.01% - 90% | 20 years | As low as 8.50% |
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 02/02/23 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 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 Learn More
Term | Fixed Rate | APR | Amount 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 Learn More
Card Type | Payment Terms | APR | Rewards |
---|---|---|---|
Visa Platinum | 3% of balance |
12.65% - 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. |
None |
Visa Platinum with Rewards | 3% 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 point for every $1 spent |
Visa Signature with Premium Rewards | 2% of balance |
16.65% - 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