FBCU Current Loan Rates

Current Loan Rates

Loan Type APR *as Low As
Personal Signature Loans & Lines of Credit
12 Months 7.25%
36 Months 7.25%
60 Months 7.25%
Line-Of-Credit 7.25%
Tuition - Preschool through 12  
12 Months 7.00%
Missions Loan  
12 Months 4.00%
New & 1 Year Old Auto
36 Months 1.35%
48 Months 1.75%
60 Months 1.75%
72 Months ($20,000 minimum) 2.45%
84 Months ($25,000 minimum) 3.75%
Used Auto (up to 5 years)  
36 Months 1.35%
48 Months 1.75%
60 Months 1.75%
72 Months ($20,000 minimum) 2.50%
Older Used Auto  
36 Months 6.50%
48 Months 6.75%
New RV, Motorhome, Boat, & Motorcycle  
36 Months 4.00%
48 Months 4.00%
60 Months 5.00%
72 Months ($20,000 minimum) 5.00%
84 Months ($25,000 minimum) 6.00%
Used RV, Motorhome, Boat, & Motorcycle
36 Months 5.45%
48 Months 5.75%
60 Months 5.95%
72 Months ($20,000 minimum) 6.95%
84 Months ($25,000 minimum) 7.50%
Student Loans - College & Post-Graduate  
Term depends on the time remaining in school Variable, Call for current rate
Credit Cards  
VISA & MasterCard 10.90%

* "Low as" - Depends on credit review and qualification, details available at Credit Union

Rates Valid as of June 6, 2014

Deposit Rates

SHARE CERTIFICATES
Minimum deposit is $1,000.00. Interest is paid monthly. You may compound your interest, have it mailed to you, or have it posted to your savings or checking account.
Term Interest Rate Annual Percentage Yield
6 Months 0.40% 0.40%
12 Months 0.50% 0.50%
24 Months 0.75% 0.75%
36 Months 1.00% 1.00%
48 Months 1.14% 1.15%
60 Months 1.39% 1.40%

All certificate early withdrawals subject to an early withdrawal penalty.

OTHER DEPOSIT ACCOUNTS
Type Dividend Rate Annual Percentage Yield
Regular Share Savings 0.20% 0.20%
Money Market Account
Minimum Daily Balance $1,000 0.20% 0.20%
Minimum Daily Balance $10,000 0.25% 0.25%
Minimum Daily Balance $25,000 0.30% 0.30%
Minimum Daily Balance $50,000 0.40% 0.40%
IRA Share Savings 0.20% 0.20%
Noah's Ark Club Savings 0.20% 0.20%

Rates are effective as of printing. Savings rates are declared for the previous quarter, and dividends paid quarterly. Money Market Account dividends and Share Certificate interest are paid monthly. Deposits are Federally Insured to at least $250,000 by the NCUA, a U.S. Government Agency. Contact an employee for further information about applicable fees and terms. All rates subject to change without notice. Effective Date: May 20, 2013

HOME EQUITY LOAN RATES

Adjustable LOC or Fixed Rate Loans
How much of the equity do you need?
  75% 85%
Home Equity Line-of-Credit Loans (APR as Low As...)
  3.75% 4.00%
Fixed Rate Home Equity Loans (APR as Low As...)
5 Years 3.50% 4.00%
7 Years 3.75% 4.25%
10 Years 4.00% 4.50%
15 Years 4.25% 4.75%

Important Information about our Home Equity Loans - The "as low as" Annual Percentage Rates (APR) shown depend on your credit history, qualifying for the lowest rate, and the combined loan to value (LTV). We will "make a sincere and best effort, but not a guarantee" to match rates with proof of the lower rate with fees. Home Equity Loans are available for single family, primary residential property located in the state of Florida. Contact the credit union for further details on fees and terms. The interest you pay "may" be tax deductable, consult your tax advisor.

Important Information about our Home Equity Line of Credit Loans- The Annual Percentage Rate (APR) is adjustable semiannually and is indexed to the Prime Rate each January 1st and July 1st. Rates can not change in excess of 2% per annum. Minimum credit limit and initial draw is $5,000.

Rates valid as of January 10, 2014.

If you're ready, click here to Contact Us or Download a Loan Application you can fill out and mail or fax to us.