Current Loans Rates
Effective December 1, 2011
(Applicants subject to normal credit guidelines)		 Loan Rates | Savings Rates
Click Here to use our Loan Calculator  
Click Here to apply for a loan online.  
Click Here for a Printable version of the loan application that can be faxed to 267-295-8175

VEHICLE SECURED LOAN RATES*
Reduce your rate a maximum of 0.50% by meeting 2 of the following:
  • 0.25% - Credit Score over 750
  • 0.25% - Loan / Value of 80% or less
  • 0.25% - Payroll Deduction
  • 0.25% - New Member
Type Term APR* w/ Max Discount
New Vehicle (2007 and newer) 36 months 2.95% 2.45%
  48 months 3.25% 2.75%
  60 months 3.45% 2.95%
  72 months 3.95% 3.45%
     
Used Vehicle (2006 and older) 36 months 3.75% 3.25%
  48 months 3.95% 3.45%
  60 months 4.25% 3.75%
* Includes Motor Homes. Maximum term for new is 84 months and used is 72 months.
 

RECREATIONAL VEHICLES LOANS
(Boats, Motorcycles, ATV's & Snowmobiles)
Type Term APR* w/ Max Discount
New (2007 or newer) 48 months 3.95% 3.45%
  60 months 4.45% 3.95%
  72 months (min. 15k ) 4.75% 4.25%
       
Used (2006 and older) 36 months 4.45% 3.95%
  48 months 4.95% 4.45%
  60 months 5.25% 5.25%
* APR is the Annual Percentage Rate
 
MOBIL HOMES ($15,000.00 Maximum)
Type Term Annual Percentage Rate
New - 80% financing Maximum 120 months 9.95%
     
Used - 80% financing Maximum 84 months 10.50%

UNSECURED (Maximum $10,000.00)
Reduce your rate by up to 0.50% by:
  • 0.25% - Credit Score over 750
  • 0.25% - New Member
  • 0.25% - Payroll or Auto Pay
(Minimum Credit Score for an unsecured loan is 720)
Type Term APR* w/ Max Discount
Unsecured 0 - 18 months 6.95% 6.45%
  18 - 36 months 7.95% 7.45%
* APR is the Annual Percentage Rate
** $15,000 up to 48 months with a 750 Credit Score
 
UNSECURED LOAN SPECIAL
The Credit Union is offering an unsecured loan special to our members. Basically, we have excess liquidity and the best place to put our liquidity is into member loans. Because these are unsecured loans with very good rates, we have qualification requirements that need to be met. These terms include:
  • Minimum qualifying credit score of 720
  • Maximum loan amount of $10,000 and maximum term of 36 months for credit scores 720 - 749
  • Credit scores 750 or better qualifies for maximum loan amount of $15,000 and maximum term of 48 months
  • All loans require monthly payments and full amortization
  • Other underwriting requirements apply
Interest Rates:
1 year term x 4.90%
2 year term x 5.90%
3 year term x 6.90%
4 year term x 7.90%

You can decrease your rate by:
1/2% if your loan is on a payroll deduction
1/2% if you are a new member to the Credit Union
1/2% if your credit score is over 750
Maximum discount to the above rates is 1% - even if all 3 factors apply. We plan to offer this loan special for a limited time depending on volume, until September 15, 2010. Loan applications are available on here or email brian.lueth@agribank.com for a word application or if you have any questions. This loan promotion may not be used to pay off or refinance an existing FCEFCU loan.
COMPUTER LOANS
Type Term Annual Percentage Rate
  Guaranteed Fixed for life of loan at WSJ prime rate
  Not Guaranteed 8.00%

MISCELLANEOUS SECURITY
Type Term Annual Percentage Rate
New   5.25% (New)
6.25% (Used)

FIXED REAL ESTATE
Type Term Annual Percentage Rate
  60 months 4.45%
  72 months 4.95%
  84 months 5.25%
(Maximum 7 years term – subject to Real Estate lending guidelines)
 
HOME EQUITY LOANS
No fee home equity loans are available depending on the State where you are located. No fees are charged by the Credit Union to establish either a term home equity loan or a home equity line of credit. However, a member would be required to pay the actual costs associated with a home equity loan. This cost can vary from state to state and even from county to county. Contact Brian for information regarding rates and terms.