Rates
Interest rates change frequently depending on market fluctuations. Please contact us if you have any questions concerning rates.
Savings Rates
| Type | Minimum Balance | Rate | APY* |
| Share Savings | $50.00 | 0.15% | 0.15% |
| Students Savers** | $0.00 | 1.15% | 1.16% |
| Money Market $0.00 - $1,999.99 | N/A | 0.00% | 0.00% |
| Money Market - $2,000.00 and above | $2000.00 | 0.20% | 0.20% |
| IRAs (Traditional, Roth, and Coverdell Education) | N/A | 1.10% | 1.11% |
Rates effective as of April 9, 2013 and can change at any time. Fees may reduce earnings. All savings accounts (except the Student Savers account) require ownership of at least one $50.00 share in the credit union to open the account.
*APY = Annual Percentage Yield.
**Subject to penalties for early withdrawal.
Checking Rates
| Rate | APY* | |
| Average Daily Balance Less Than $500.00 | 0.00% | 0.00% |
| Average Daily Balance $500.00 or Above | 0.05% | 0.05% |
Rates effective as of April 9, 2013 and can change at any time. Fees may reduce earnings. All checking accounts require ownership of at least one $50.00 share in the credit union to open the account.
*APY = Annual Percentage Yield
Certificate of Deposit Rates
| Term | Minimum Deposit | Rate | APY* |
| 3 Months | $500.00 | 0.20% | 0.20% |
| 6 Months | $500.00 | 0.25% | 0.25% |
| 12 Months | $500.00 | 0.40% | 0.40% |
| 24 Months | $500.00 | 0.65% | 0.65% |
| 36 Months | $500.00 | 1.00% | 1.00% |
| 6 Months | $50,000.00 | 0.45% | 0.45% |
| 12 Months | $50,000.00 | 0.60% | 0.60% |
Rates effective as of April 9, 2013 and can change at any time. Fees may reduce earnings. All certificate of deposits require ownership of at least one $50.00 share in the credit union to open the certificate of deposit.
*APY = Annual Percentage Yield.
Certificate of Deposit rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates of deposit.
Auto Loans
| Term | Rate*** | APR*** | Payment Example |
| Up to 36 Months***+ | 4.25% | 4.49% |
An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $29.74 per $1000 borrowed. |
| 48 Months***+ | 4.25% | 4.44% |
An example of a 4-year fixed rate monthly payment at the quoted rate would be 48 monthly payments of $22.78 per $1000 borrowed. |
| 60 Months***+ | 4.25% | 4.41% |
An example of a 5-year fixed rate monthly payment at the quoted rate would be 60 monthly payments of $18.60 per $1000 borrowed. |
| 72 Months***+ | 4.50% | 4.67% |
An example of a 6-year fixed rate monthly payment at the quoted rate would be 72 monthly payments of $15.95 per $1000 borrowed. |
| Term | Rate*** | APR*** | Payment Example |
| Up to 36 Months***+ | 5.25% | 5.72% |
An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $30.29 per $1000 borrowed. |
| 48 Months***+ | 5.25% | 5.62% |
An example of a 4-year fixed rate monthly payment at the quoted rate would be 48 monthly payments of $23.31 per $1000 borrowed. |
| 60 Months***+ | 5.50% | 5.76% |
An example of a 5-year fixed rate monthly payment at the quoted rate would be 60 monthly payments of $19.22 per $1000 borrowed. |
| Term | Rate*** | APR*** | Payment Example |
| Up to 36 Months***+ | 6.50% | 7.27% |
An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $31.00 per $1000 borrowed. |
| Term | Rate*** | APR*** | Payment Example |
| Up to 36 Months***+ | 7.50% | 8.49% |
An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $31.56 per $1000 borrowed. |
| Term | Rate*** | APR*** | Payment Example |
| Up to 36 Months***+ | 9.00% | 12.37% | An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $33.39 per $1000 borrowed. |
*** APR = Annual Percentage Rate. Rates and terms are subject to change. Rates are subject to the borrower's credit history and account history. Rates disclosed are the lowest available through Fulda Area Credit Union. Other conditions may apply. All loans require ownership of at least one $50.00 share in the credit union.
+ Recreational vehicles 0.50% higher.
Residential Mortgage Loans
Fulda Area Credit Union offers first mortgages, second mortgages, and home equity lines of credit. Please contact us for rate and term information. All mortgage loans require ownership of at least one $50.00 share in the credit union.
Ag/Comm Loans
| Ag Operating - contact us for rate and term information |
| Ag Term - contact us for rate and term information |
| Ag/Comm Real Estate - contact us for rate and term information |
All ag/commercial loans require ownership of at least one $50.00 share in the credit union.
Misc. Consumer Loans
| Term | Rate~ | APR~ | Payment Example | |
| Signature Loan~ | 36 Months (up to) | 9.00% | 10.38% |
An example of a 3-year fixed rate monthly payment at the quoted rate would be 36 monthly payments of $32.44 per $1000 borrowed. |
| Ready Reserve Loan~ | N/A | 9.00% | 9.00% |
~APR = Annual Percentage Rate. Rates and terms are subject to change. Rates and terms are subject to the borrower's credit history and credit union accounts. Rates disclosed are the lowest available through Fulda Area Credit Union. Other conditions may apply. All miscellaneous consumer loans require ownership of at least one $50.00 share in the credit union.
