Loan Rates

Auto Loans
100% Financing!
Published rate is the lowest offered. Interest rates are based on members credit history.		 Term Annual Percentage Rate (APR)
as low as
New 2017 3 Yrs 2.25%
New 2017 4 Yrs 2.50%
2012 or Newer up to 5 Yrs 2.50%
2012 or Newer 6 Yrs 4.50%
2011 up to 5 Yrs 6.50%
2009-2010 up to 4 Yrs 7.50%
2007-2008 up to 3 Yrs 8.50%
MOTORCYCLE Loans
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
2012 or Newer up to 5 Yrs 3.50%
2011 up to 5 Yrs 6.50%
2009-2010 up to 4 Yrs 7.50%
2007-2008 up to 3 Yrs 8.50%
BOATS & RV's*
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
2012 or Newer 5 Yrs 5.50%
  10 Yrs 6.50%
  15 Yrs 7.50%
MOBILE HOMES*
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
  5 Yrs 5.50%
  10 Yrs 6.50%
  15 Yrs 7.50%
PERSONAL Loans
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
($10,000 Max. Ind. $15,000 Max. Joint)**
  1 Yr 7.70%
  3 Yrs 7.70%
  5 Yrs 7.70%
HOME EQUITY FIXED 2nd MORTGAGE
Published rate is the lowest offered. Interest rates are based on members credit history. Term Annual Percentage Rate (APR)
as low as
80% LTV*** Minimum Loan Amount is $10,000.
  5 Yrs 3.50%
  10 Yrs 4.00%
  15 Yrs 4.75%
HOME EQUITY LINE OF CREDIT 80% LTV****
Annual Percentage Rate is the FBFCU Prime Rate. This is a Variable Rate Plan, which provided for an Index published by The Wall Street Journal. Due to the present state of the economy, that Index is below the Minimum Yearly Interest Rate of 4.50% set forth in the Plan. Until such time as the Index published by The Wall Street Journal exceeds a Yearly Interest Rate of 4.5%, your rate will be the prime rate of FBFCU. (For the current rate please call the Credit Union.) The Maximum Yearly Interest Rate that can be charged is 18%. There is a 10-year draw and a 15-year payback term.
SECURED*****
100% Financing!
Published rate is the lowest offered. Interest rates are based on members credit history.		 Term Annual Percentage Rate (APR)
as low as
SHARE SECURED up to 5 Yrs 4.00%
CERTIFICATE SECURED****** up to 5 Yrs 3% above CD Rate
*Note: Payment examples
Auto Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
3 year term $10,000 principal 2.25%apr monthly payment $287.52
4 year term $10,000 principal 2.50%apr monthly payment $219.14
5 year term $10,000 principal 2.50%apr monthly payment $177.48
6 year term $20,000 principal 4.50%apr monthly payment $317.49
5 year term $10,000 principal 6.50%apr monthly payment $195.67
4 year term $10,000 principal 7.50%apr monthly payment $241.79
3 year term $10,000 principal 8.50%apr monthly payment $315.66
Motorcycle Loan
Published rate is the lowest offered. Interest rates are based on members credit history.
5 year term $10,000 principal 3.50%apr monthly payment $181.93
5 year term $10,000 principal 6.50%apr monthly payment $195.67
4 year term $10,000 principal 7.50%apr monthly payment $241.79
3 year term $10,000 principal 8.50%apr monthly payment $315.66
Boat & RV Loan
5 year term $10,000 principal 5.50%apr monthly payment $191.02
10 year term $10,000 principal 6.50%apr monthly payment $113.57
15 year term $10,000 principal 7.50%apr monthly payment $92.73
Mobile Home Loan
5 year term $10,000 principal 5.50%apr monthly payment $191.02
10 year term $10,000 principal 6.50%apr monthly payment $113.57
15 year term $10,000 principal 7.50%apr monthly payment $92.73
**Note: Payment examples
Personal Loan
Published rate is the lowest offered. Interest rates are based on members credit history
1 year term $10,000 principal 7.70%apr monthly payment $868.46
3 year term $10,000 principal 7.70%apr monthly payment $311.97
5 year term $10,000 principal 7.70%apr monthly payment $201.34
*** Note: Payment examples
Home Equity Fixed 2nd Mortgage
5 year term $10,000 principal 3.50%apr monthly payment $181.91
10 year term $10,000 principal 4.00%apr monthly payment $101.25
15 year term $10,000 principal 4.75%apr monthly payment $77.79
If a home equity loan is closed out within 1 year, all closing costs will be billed to the member.
****Note: Payment examples
Home Equity Line of Credit
If a home equity line of credit is closed out within 1 year, all closing costs will be billed to the member.
***** Note: Payment examples
Share Secured
5 year term $10,000 principal 4.00%apr monthly payment $184.18
****** Note: Payment examples
Certificate Secured
5 year term $10,000 principal 7.30%apr monthly payment $199.47