Fox Communities Credit Union
Secure Digital Banking Login
Returning Users:
Click here for mobile menu
Business Development Support TeamLearn More
As a member of a credit union, you are an owner. You have a share in our future. 
At Fox Communities, our lending decisions are made right here - locally. 
We provide the right services for you to manage your money. 
For over 80 years, we've been here, in your neighborhood. We're friends and we're family. 
Make “this is the one” happen
Buying your first home or simply the home of your dreams? We have the people and programs to get you “the one” faster — as in, within 30 days of completing your application. And with $300 off closing costs, Fox Communities Credit Union will get you your dream home while keeping more money in your pocket.
Expert mortgage lenders who average 20 years experience
Online loan applications and approvals | Get pre-qualified within one business day
Loan decisions made locally, with faster responses
21 locations to serve you
When it’s time to decide on your dream home, you need a mortgage partner who can make it happen. At Fox, you come first.
Make “we can afford it” happen
Know what to expect, from application through closing. Our knowledgeable mortgage lenders work hard to make the mortgage process easier to understand—and get you the right program for your needs and budget. Fox Communities also offers:
Down payments as low as 3%
Fixed Rate and Adjustable Rate Mortgages (ARMs)
Biweekly payment options
Online loan management
Down payment plus program2 – up to $6000 may be available for the purchase of your home.
Mortgage Calculators
First timer to home ownership?
If you think home ownership is way beyond your reach, think again. Fox Communities Credit Union is here to help start the conversation. Need to save up for a down payment? Not sure how much you can afford? We can help! We offer the following special loan products to first time home buyers*:
7 Year ARM3
Reduced mortgage insurance
Reduced closing costs
Rates locked for 7 years
10 Year ARM4
Reduced mortgage insurance
Reduced closing costs
Rates locked for 10 years
*Qualifications do apply.
Get started today!
Rather build your dream home?
We can make that happen, too. See if our Single-Close Construction Loan is right for you.
Mortgage Calculators
$300 off closing cost is valid on new purchases or new home construction loans only; refinances and home equity loans/lines of credit do not qualify. The discount will be applied at closing as a lender credit. Offer is subject to credit approval, underwriting and eligibility requirements. Offer subject to change at any time, not valid with any other offer or discounts. Offer valid until May 31, 2022. Membership eligibility required.
2 Down Payment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Down Payment Plus®” is a registered trademark of the Federal Home Loan Bank of Chicago. Funds for the program are limited and will be awarded on a first come-first serve basis until all funds have been used for the calendar year.
** Additional eligibility requirements may apply.
3APR = Annual Percentage Rate. On a $180,000 7/1 ARM amortized over 30 years with initial interest rate of 2.500%, with APR of 2.950%, after fixed period of 7 years rate may increase yearly, on the eighth year your rate can increase by a maximum of 3% above the initial interest rate, and every year thereafter 2%, with a max lifetime cap of 5%. After the initial fixed -rate period, your interest rate can increase or may decrease every year according to the market index.
Payment Example:
|
Payment Calculation
|
Term
|
Year 1-7 |
Year 8 |
Year 9-30 |
|
Principle & Interest |
7/1 |
$711 |
$730 min. |
$730 min |
|
$954 max |
$1,130 max |
4APR = Annual Percentage Rate. On a $180,000 10/1 ARM amortized over 30 years with initial interest rate of 2.865%, with APR of 3.065%, after fixed period of 10 years rate may increase yearly, on the eleventh year your rate can increase by a maximum of 3% above the initial interest rate, and every year thereafter 2%, with a max lifetime cap of 5%. After the initial fixed -rate period, your interest rate can increase or may decrease every year according to the market index.
Payment Example:
|
Payment Calculation
|
Term
|
Year 1-10 |
Year 11 |
Year 12-30 |
|
Principle & Interest |
10/1 |
$746.81 |
$738 min. |
$738 min |
|
$966 max |
$1,122 max |
All Adjustable -Rate Mortgages (ARMs) loans have a 30- year amortization. Payment examples reflect a monthly payment of principal and interest only and does not include PMI, taxes, insurance, or other applicable escrows. Your actual payment may be higher. Rates and payments are based upon a loan amount of $180,000.00 for a single-family primary residence, with 80% loan-to-value, and a representative credit score of 725+. Your actual APR will be based upon your final loan amount, creditworthiness, and applicable costs. Rates, terms, and conditions effective as of 3/7/2022, are for sample purposes only and are subject to change at any time. Additional closing costs may apply. See a Mortgage Loan Officer for details. Loan subject to final credit approval and membership eligibility. Qualifications do apply.
The Calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union for accounts, loans or other products or services. The calculators should be used for general informational purposes and should not be relied on for any specific transaction.
Attention
Any external site listed here is not operated or under the control of Fox Communities Credit Union (FCCU). By clicking on CONTINUE below, you will access a third-party site that is not operated by FCCU. FCCU is not responsible for the content of the third-party website. FCCU does not represent either you, or the website operator, if you enter into a transaction.
Please note that when you exit our site, our Privacy and security policy is no longer in effect. Privacy and security policies may differ from those practiced by FCCU and you should review the alternate websites' policies. You may cancel moving to the third party website by clicking on "X" to stay on www.foxcu.org
CONTINUE
Attention
You are about to leave Fox Communities Credit Union's website. Any external site listed here is not under the control of Fox Communities Credit Union. Thank you for visiting. Please return when you need information about Fox Communities CU's products and services.
CONTINUE