1% Off Save to the Max* Rates

Now for a limited time, you can take a full 1% off of our already low Save to the Max* rates. These rates are good for new purchases or the refinance of an existing loan held elsewhere (does not include the refinance of existing FCEFCU loans except where adding additional amounts).

This rates are only in effect for a limited time, so don’t wait to apply. If you use home banking, you can log in and use the expedited application from within your account. With FCEFCU’s Home and Mobile Banking services, the process is fast and easy. Just log in using your phone or the login fields at the top of this page, and follow the prompts.

If you are new to FCEFCU or do not use our online banking services, you can use our online long form or download an application PDF and return it to the credit union.

Questions? Don’t hesitate to call us at at 651.282.8880 or 1.800.551.1179 or send us an email.

Loan Rates
Effective August 15 – October 31, 2017

Save to the Max on Select* Loans!

Reduce your loan rate up to 1.00% by meeting two of the following criteria:

  • Credit Score over 735 – 0.50% discount
  • Loan / Value of 80% or less – 0.50% discount
  • Automatic Payroll Deduction – 0.50% discount
  • New Member – 0.50% discount

*Applicants are subject to normal credit guidelines. “Save to the Max” discounts do not apply to Real Estate loans, nor are they available for credit scores under 700. No other loan discounts apply.

Secured Loans including Autos, Trucks, Boats and RVs

Type

Term

Annual Percentage Rate

w/ Max Discount

NEW 2017 or 2018 (less than 7,500 miles) Up to 60 months 2.99% 1.99%
72 months 3.49% 2.49%
84 months 3.99% 2.99%
2017, 2016, 2015, and 2014 Up to 48 months 3.45% 2.45%
60 months 3.75% 2.75%
72 months, ($25K Min) 2015 or newer 4.25% 3.25%
84 months, ($40K Min) 2016 or newer 4.55% 3.55%
120 months, ($75K Min) Boat or RV Only 4.95% 3.95%
  2013, 2012, and 2011 Up to 48 months 4.25% 3.25%
60 months 4.45% 3.45%
72 months, ($35K Min) 4.95% 3.95%
2010 and older Up to 48 months 5.25% 4.25%
60 months, $20K Min 5.75% 4.75%

Secured Loans including Motorcycles, Snowmobiles, Trailers, and ATVs

Type

Term

Annual Percentage Rate*

w/ Max Discount

2017, 2016, 2015, 2014 Up to 48 months 4.45% 3.45%
60 months 4.95% 3.95%
72 months, $30K Min 5.25% 4.25%
2013 or older Up to 48 months 4.95% 3.95%

Unsecured Loans (maximum $10,000)

Term

Annual Percentage Rate*

w/ Max Discount

Up to 24 months, Max of $10,000 6.95% 5.95%
Up to 60 months, Max of $20,000 7.95% 6.95%
*a credit score of 750 or better required for 60-month term; a credit score of 730 or better required for 48-month term

Miscellaneous Security (No discounts apply)

Type

Term

Annual Percentage Rate*

w/ Max Discount

2014 or Newer Up to 60 months 4.75% 3.75%
2013 or Older Up to 48 months 5.25% 4.25%

Fixed/Variable Rate Real Estate and Home Equity Lines of Credit Available

Fixed Real Estate (based on 80% Loan/Value)

Up to 7 years 3.95% – includes amortizations of as long as 15 years with a balloon payment in 7 years or less

Fixed term and fixed rate for up to 10 years – 4.15% APR*
Fixed term and fixed rate for up to 15 years – 4.45% APR*

Check access home equity lines of credit – variable rate set at the prime rate with a minimum base rate of 4.75% APR*.
10-year draw period with a required repayment amortization of 12 years.

Contact Brian for information on rates, terms, and costs at 651.282.8881 or send him an email.

*Applicants are subject to normal credit guidelines.

*APR is Annual Percentage Rate. Rates are subject to change without notice.

Contact FCEFCU