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
Vehicle Loans 72 months or less2.95%CLICK HERE
Vehicle Loans 73 thru 84 months3.45%CLICK HERE
Vehicle Loans 85 thru 120 months6.00%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)3.95%CLICK HERE
Personal 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 6/21/2017. 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 Mortgage3.50%3.708%CLICK HERE
10 Year Fixed Rate3.375%3.675%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)$1,0000.50%0.50%
12 Month Certificate$1,0000.65%0.65%
18 Month Certificate$1,0000.80%0.80%
24 Month Certificate$1,0000.90%0.90%
36 Month Certificate$1,0001.19%1.20%
48 Month Certificate$1,0001.39%1.40%
DISCLAIMER

*For amounts of $1,000 and over. Certificate rates quoted as of 7/14/2017. 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
Vehicle Loans 72 months or less2.95%CLICK HERE
Vehicle Loans 73 thru 84 months3.45%CLICK HERE
Vehicle Loans 85 thru 120 months6.00%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)3.95%CLICK HERE
Personal 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 6/21/2017. 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 Mortgage3.50%3.708%CLICK HERE
10 Year Fixed Rate3.375%3.675%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)$1,0000.50%0.50%
12 Month Certificate$1,0000.65%0.65%
18 Month Certificate$1,0000.80%0.80%
24 Month Certificate$1,0000.90%0.90%
36 Month Certificate$1,0001.19%1.20%
48 Month Certificate$1,0001.39%1.40%
DISCLAIMER

*For amounts of $1,000 and over. Certificate rates quoted as of 7/14/2017. 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!