Today’s Rates


Our rates change by the day, so be sure to check in as frequently as possible.

LOANSAPR as low as*Payment Example & Disclosure
Secured Consumer Loans 72 months or less2.95%CLICK HERE
Secured Consumer Loans 73 thru 84 months3.45%CLICK HERE
Secured Consumer Loans 85 thru 120 months6.00%CLICK HERE
Secured Loans include Autos, Boats, Motorcycles and RVs(SEE ABOVE)CLICK HERE
Unsecured Consumer Loans7.75%CLICK HERE
Unsecured Classic MasterCard11.88%CLICK HERE
Unsecured Platinum MasterCard9.96%CLICK HERE
Secured MasterCard8.88%CLICK HERE
Storm Shelter Loan2.75%CLICK HERE
Credit Builder Loan14.25%CLICK HERE
Fresh Start Personal Loan7.75%CLICK HERE
Fresh Start Auto Loan5.45%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 1/1/2017. 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.

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage3.375%3.582%CLICK HERE
10 Year Fixed Rate3.25%3.55%CLICK HERE
Fixed Rate Second Mortgage4.00% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard4.00%4.00%CLICK HERE
SECOND MORTGAGE LOAN RATESLTV to 80LTV 81 to 90LTV 91 to 95Payment Example & Disclosure
60 to 71 Months4.00%4.50%5.00%CLICK HERE
72 to 84 Months5.00%5.50%6.00%CLICK HERE
85 to 120 Months6.00%6.25%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 1/1/2017.

SAVINGS* (& Money Market Checking)Dividend RateAPY**
Membership Savings0.15%0.15%
Club Savings0.15%0.15%
IRA Savings0.25%0.25%
Interest Checking0.10%0.10%
Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open)0.20%0.20%
Money Market Checking $10,001-$25,0000.20%0.20%
Money Market Checking $25,001-$50,0000.20%0.20%
Money Market Checking $50,001-$75,0000.45%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 DepositDividend RateAPY
6 Month Certificate (6 month IRA certificate not available)$1,0000.40%0.40%
12 Month Certificate$1,0000.55%0.55%
18 Month Certificate$1,0000.70%0.70%
24 Month Certificate$1,0000.80%0.80%
36 Month Certificate$1,0001.09%1.10%
48 Month Certificate$1,0001.29%1.30%
DISCLAIMER

*For amounts of $1,000 and over. Certificate rates quoted as of 4/27/2016. 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.

LOANSAPR as low as*Payment Example & Disclosure
Secured Consumer Loans 72 months or less2.95%CLICK HERE
Secured Consumer Loans 73 thru 84 months3.45%CLICK HERE
Secured Consumer Loans 85 thru 120 months6.00%CLICK HERE
Secured Loans include Autos, Boats, Motorcycles and RVs(SEE ABOVE)CLICK HERE
Unsecured Consumer Loans7.75%CLICK HERE
Unsecured Classic MasterCard11.88%CLICK HERE
Unsecured Platinum MasterCard9.96%CLICK HERE
Secured MasterCard8.88%CLICK HERE
Storm Shelter Loan2.75%CLICK HERE
Credit Builder Loan14.25%CLICK HERE
Fresh Start Personal Loan7.75%CLICK HERE
Fresh Start Auto Loan5.45%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 1/1/2017. 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.

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage3.375%3.582%CLICK HERE
10 Year Fixed Rate3.25%3.55%CLICK HERE
Fixed Rate Second Mortgage4.00% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard4.00%4.00%CLICK HERE
SECOND MORTGAGE LOAN RATESLTV to 80LTV 81 to 90LTV 91 to 95Payment Example & Disclosure
60 to 71 Months4.00%4.50%5.00%CLICK HERE
72 to 84 Months5.00%5.50%6.00%CLICK HERE
85 to 120 Months6.00%6.25%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 1/1/2017.

SAVINGS* (& Money Market Checking)Dividend RateAPY**
Membership Savings0.15%0.15%
Club Savings0.15%0.15%
IRA Savings0.25%0.25%
Interest Checking0.10%0.10%
Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open)0.20%0.20%
Money Market Checking $10,001-$25,0000.20%0.20%
Money Market Checking $25,001-$50,0000.20%0.20%
Money Market Checking $50,001-$75,0000.45%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 DepositDividend RateAPY
6 Month Certificate (6 month IRA certificate not available)$1,0000.40%0.40%
12 Month Certificate$1,0000.55%0.55%
18 Month Certificate$1,0000.70%0.70%
24 Month Certificate$1,0000.80%0.80%
36 Month Certificate$1,0001.09%1.10%
48 Month Certificate$1,0001.29%1.30%
DISCLAIMER

*For amounts of $1,000 and over. Certificate rates quoted as of 4/27/2016. 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!

CLOSED

Monday,
May 29th, 2017

in observance of
Memorial Day

You can always use our online and mobile banking services to check your balances, transfer funds or pay bills. You can even open new accounts and apply for loans online as well as deposit checks via our iPhone, iPad, and Android apps 24/7!