LOANSAPR as low as*Payment Example & Disclosure
Vehicle Loans 72 months or less3.20%CLICK HERE
Vehicle Loans 73 thru 84 months3.70%CLICK HERE
Vehicle Loans 85 thru 120 months5.70%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)4.20%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 Loan5.70%CLICK HERE
DISCLAIMER
MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.25%4.464%CLICK HERE
10 Year Fixed Rate4.125%4.431%CLICK HERE
Fixed Rate Second Mortgage4.50% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard5.00%5.00%CLICK HERE
SECOND MORTGAGE LOAN RATESLTV to 80LTV 81 to 90LTV 91 to 95Payment Example & Disclosure
60 to 71 Months4.50%5.00%5.50%CLICK HERE
72 to 84 Months4.75%5.25%5.75%CLICK HERE
85 to 120 Months5.00%5.50%6.00%CLICK HERE
121 to 180 Months5.50%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 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)0.25%0.25%
Money Market Checking $10,001-$25,0000.25%0.25%
Money Market Checking $25,001-$50,0000.30%0.30%
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)$1,0000.70%0.70%
12 Month Certificate$1,0000.85%0.85%
18 Month Certificate$1,0000.90%0.90%
24 Month Certificate$1,0001.24%1.25%
36 Month Certificate$1,0001.49%1.50%
48 Month Certificate$1,0001.69%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.

LOANSAPR as low as*Payment Example & Disclosure
Vehicle Loans 72 months or less3.20%CLICK HERE
Vehicle Loans 73 thru 84 months3.70%CLICK HERE
Vehicle Loans 85 thru 120 months5.70%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)4.20%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 Loan5.70%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.

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.25%4.464%CLICK HERE
10 Year Fixed Rate4.125%4.431%CLICK HERE
Fixed Rate Second Mortgage4.50% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard5.00%5.00%CLICK HERE
SECOND MORTGAGE LOAN RATESLTV to 80LTV 81 to 90LTV 91 to 95Payment Example & Disclosure
60 to 71 Months4.50%5.00%5.50%CLICK HERE
72 to 84 Months4.75%5.25%5.75%CLICK HERE
85 to 120 Months5.00%5.50%6.00%CLICK HERE
121 to 180 Months5.50%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 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)0.25%0.25%
Money Market Checking $10,001-$25,0000.25%0.25%
Money Market Checking $25,001-$50,0000.30%0.30%
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)$1,0000.70%0.70%
12 Month Certificate$1,0000.85%0.85%
18 Month Certificate$1,0000.90%0.90%
24 Month Certificate$1,0001.24%1.25%
36 Month Certificate$1,0001.49%1.50%
48 Month Certificate$1,0001.69%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!