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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

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What Our Members Are Saying...

"Megan M. was excellent to work with. She took her time and explained all the benefits of opening the accounts both personal and business. She answered all my questions I had plus some! Great experience and I love having a bank so close to my house!"

Allen

"They are eager to help any way they can, friendly, clean bank, and almost always greet you with kindness and a smile. I like the fact they try very hard to help with loans as well as anything else. Seldom do we have to wait in line more than 5 minutes to be helped."

Annie

"Never had any problems, friendly and nice people, fast service, very helpful."

Jennifer

"Cause it's the kind of banking that you would like to do. The bank tellers are real friendly they're very helpful!"

Richard

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