| LOANS | APR as low as* | Payment Example & Disclosure |
|---|---|---|
| Vehicle Loans 72 months or less | 3.20% | CLICK HERE |
| Vehicle Loans 73 thru 84 months | 3.70% | CLICK HERE |
| Vehicle Loans 85 thru 120 months | 5.70% | CLICK HERE |
| Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.) | 4.20% | CLICK HERE |
| Personal Loans | 7.75% | CLICK HERE |
| Unsecured Classic MasterCard | 11.88% | CLICK HERE |
| Unsecured Platinum MasterCard | 9.96% | CLICK HERE |
| Secured MasterCard | 8.88% | CLICK HERE |
| Storm Shelter Loan | 2.75% | CLICK HERE |
| Credit Builder Loan | 14.25% | CLICK HERE |
| Fresh Start Personal Loan | 7.75% | CLICK HERE |
| Fresh Start Auto Loan | 5.70% | CLICK HERE |
DISCLAIMER
| MORTGAGES | Rate | APR | Payment Example & Disclosure |
|---|---|---|---|
| 15 Year Fixed Mortgage | 4.25% | 4.464% | CLICK HERE |
| 10 Year Fixed Rate | 4.125% | 4.431% | CLICK HERE |
| Fixed Rate Second Mortgage | 4.50% - 6.50% | 5.00% - 7.00% | CLICK HERE |
| Home Equity Line of Credit (HELOC) MasterCard | 5.00% | 5.00% | CLICK HERE |
| SECOND MORTGAGE LOAN RATES | LTV to 80 | LTV 81 to 90 | LTV 91 to 95 | Payment Example & Disclosure |
|---|---|---|---|---|
| 60 to 71 Months | 4.50% | 5.00% | 5.50% | CLICK HERE |
| 72 to 84 Months | 4.75% | 5.25% | 5.75% | CLICK HERE |
| 85 to 120 Months | 5.00% | 5.50% | 6.00% | CLICK HERE |
| 121 to 180 Months | 5.50% | 6.00% | 6.50% | CLICK HERE |
DISCLAIMER
*Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Rates effective 3/1/2018.
| SAVINGS* (& Money Market Checking) | Dividend Rate | APY** |
|---|---|---|
| Membership Savings | 0.15% | 0.15% |
| Club Savings | 0.15% | 0.15% |
| IRA Savings | 0.25% | 0.25% |
| Interest Checking | 0.10% | 0.10% |
| Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open) | 0.25% | 0.25% |
| Money Market Checking $10,001-$25,000 | 0.25% | 0.25% |
| Money Market Checking $25,001-$50,000 | 0.30% | 0.30% |
| Money Market Checking $50,001-$75,000 | 0.45% | 0.45% |
| Money Market Checking $75,000+ | 0.60% | 0.60% |
DISCLAIMERS
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
| CERTIFICATES* (Share Certificates & IRA Certificates) | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Month Certificate (6 month IRA certificate not available) | $1,000 | 0.70% | 0.70% |
| 12 Month Certificate | $1,000 | 0.85% | 0.85% |
| 18 Month Certificate | $1,000 | 0.90% | 0.90% |
| 24 Month Certificate | $1,000 | 1.24% | 1.25% |
| 36 Month Certificate | $1,000 | 1.49% | 1.50% |
| 48 Month Certificate | $1,000 | 1.69% | 1.70% |
DISCLAIMER
*For amounts of $1,000 and over. Certificate rates quoted as of 4/2/2018. A penalty may be imposed for early withdrawal.
Today’s Rates
Our rates change by the day, so be sure to check in as frequently as possible.
| LOANS | APR as low as* | Payment Example & Disclosure |
|---|---|---|
| Vehicle Loans 72 months or less | 3.20% | CLICK HERE |
| Vehicle Loans 73 thru 84 months | 3.70% | CLICK HERE |
| Vehicle Loans 85 thru 120 months | 5.70% | CLICK HERE |
| Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.) | 4.20% | CLICK HERE |
| Personal Loans | 7.75% | CLICK HERE |
| Unsecured Classic MasterCard | 11.88% | CLICK HERE |
| Unsecured Platinum MasterCard | 9.96% | CLICK HERE |
| Secured MasterCard | 8.88% | CLICK HERE |
| Storm Shelter Loan | 2.75% | CLICK HERE |
| Credit Builder Loan | 14.25% | CLICK HERE |
| Fresh Start Personal Loan | 7.75% | CLICK HERE |
| Fresh Start Auto Loan | 5.70% | CLICK HERE |
DISCLAIMER
*Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Rates effective 4/2/2018. Consumer loan discounts: .50% discount available with automatic payments.
Collateral loan value based on individual vehicle, as established in lending guidelines.
Reductions: 0.50% discount with automatic payment option.
| MORTGAGES | Rate | APR | Payment Example & Disclosure |
|---|---|---|---|
| 15 Year Fixed Mortgage | 4.25% | 4.464% | CLICK HERE |
| 10 Year Fixed Rate | 4.125% | 4.431% | CLICK HERE |
| Fixed Rate Second Mortgage | 4.50% - 6.50% | 5.00% - 7.00% | CLICK HERE |
| Home Equity Line of Credit (HELOC) MasterCard | 5.00% | 5.00% | CLICK HERE |
| SECOND MORTGAGE LOAN RATES | LTV to 80 | LTV 81 to 90 | LTV 91 to 95 | Payment Example & Disclosure |
|---|---|---|---|---|
| 60 to 71 Months | 4.50% | 5.00% | 5.50% | CLICK HERE |
| 72 to 84 Months | 4.75% | 5.25% | 5.75% | CLICK HERE |
| 85 to 120 Months | 5.00% | 5.50% | 6.00% | CLICK HERE |
| 121 to 180 Months | 5.50% | 6.00% | 6.50% | CLICK HERE |
DISCLAIMER
*Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Rates effective 4/1/2018.
| SAVINGS* (& Money Market Checking) | Dividend Rate | APY** |
|---|---|---|
| Membership Savings | 0.15% | 0.15% |
| Club Savings | 0.15% | 0.15% |
| IRA Savings | 0.25% | 0.25% |
| Interest Checking | 0.10% | 0.10% |
| Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open) | 0.25% | 0.25% |
| Money Market Checking $10,001-$25,000 | 0.25% | 0.25% |
| Money Market Checking $25,001-$50,000 | 0.30% | 0.30% |
| Money Market Checking $50,001-$75,000 | 0.45% | 0.45% |
| Money Market Checking $75,000+ | 0.60% | 0.60% |
DISCLAIMERS
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
| CERTIFICATES* (Share Certificates & IRA Certificates) | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Month Certificate (6 month IRA certificate not available) | $1,000 | 0.70% | 0.70% |
| 12 Month Certificate | $1,000 | 0.85% | 0.85% |
| 18 Month Certificate | $1,000 | 0.90% | 0.90% |
| 24 Month Certificate | $1,000 | 1.24% | 1.25% |
| 36 Month Certificate | $1,000 | 1.49% | 1.50% |
| 48 Month Certificate | $1,000 | 1.69% | 1.70% |
DISCLAIMER
*For amounts of $1,000 and over. Certificate rates quoted as of 4/2/2018. A penalty may be imposed for early withdrawal.
Get started with Focus today and enjoy the benefits of membership!
Get started with Focus today and enjoy the benefits of membership!