Rates

First Time Home Buyers Products

Adjustable Rate Mortgages

Construction Loans

Home Equity Loan

Home Equity Lines of Credit

Lot/Land Loans

Contact one of our mortgage professionals to answer any questions.

• Free pre-qualification
• Free bi-weekly payments available⁸
• Local decision making & servicing
• Conditions may apply

^{NMLS ID# 402968}

^{*APR=Annual Percentage Rate. All rates, terms, and conditions may change without notice and published rates do not constitute a loan offer. Individual rates and terms may vary based on account relationship, loan amount, down payment, creditworthiness, loan-to-value, purpose of loan and property type. All loans are subject to approval and eligibility.}

^{To qualify for products and services, you must meet membership eligibility requirements. Upon approval establish membership by opening a Membership Share Account with a minimum $5 deposit.}

^{1: Monthly payment based on a single family, owner occupied, 725+ credit score, assuming a purchase price of $206,250, with 20% down, loan amount of $165,000. Monthly payment examples quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.}

^{2: Adjustable-Rate Mortgages (ARM) are variable rate, and the interest rate/APR can change yearly after the initial fixed-rate period. For example the interest rate on a 1/1 ARM is fixed for 1 year, 3 years for a 3/1 ARM, 5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM. Thereafter, the rate is subject to change yearly. The interest rate will be determined by adding the 1-Year Treasury Bill (index) to a margin of 2.75%. The adjustment is dependent on the ARM product chosen. After, the initial term, the interest rate can change annually and is subject to the following caps: 10/1 and 7/1 ARM: First-rate adjustment cap is +/- 3%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 5%.. 5/1 ARM: First-rate adjustment cap is +/- 2%, thereafter, annual rate cat of +/- 2%, and a lifetime rate adjustment cap +/- 5%.. 3/1 and 1/1 ARM: First -rate adjustment +/- 2%, thereafter annual rate cap of +/- 2%, and a lifetime rate adjustment cap of +/- 6%. Monthly payment based on a single family, owner occupied, 725+ credit score, assuming a purchase price of $206,250, with 20% down, loan amount of $165,000. Monthly payment examples quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.}

^{3: Fox First Time Home Advantage program is for a first-time homebuyer, meaning someone who has not owned a home in the past three years.}

^{4: Interest only payments during the construction period (9-months); after, the loan will be amortized over 351 months (9-month construction period) into a 5/1 or 1/1 Adjustable-Rate Mortgage (ARM), or a 15-year fixed rate mortgage. ARMs are variable, and your APR may increase after the original fixed-rate period; for example, rates on 5/1 ARM are fixed for the first five years, and one year on 1/1 ARM subsequently subject to change annually. After the initial fixed period, the payment amount may increase or decrease every year as the interest rate adjusts based on the 1-Year Treasury Bill plus a margin of 2.75%. The first-rate adjustment is dependent on the loan product. 5/1 ARM: The first-rate adjustment cap is +/- 2%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 5%..1/1 ARM: The first-rate adjustment cap is +/- 2%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. Monthly payment based on a single family, owner occupied, 725+ credit score, construction price of $562,500, with 20% down, loan amount of $450,000. The monthly payment example quoted does not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.}

^{5: Monthly payment based on a single family, owner occupied, 725+ credit score with a combined loan-to-value of 80% and loan amount of $50,000.00. Monthly payment example quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.}

^{6: Home Equity Loan Adjustable-Rate Mortgages are variable, and your APR may increase after the original fixed-rate period; for example, rates on 3/1 ARM are fixed for the first three years, and five on a 5/1 ARM subsequently subject to change annually. After the initial fixed period, the payment amount may increase or decrease every year as the interest rate adjust based on the 1-Year Treasury Bill plus a margin of 3.75%. The first-rate adjustment is dependent on the loan product. The first-rate adjustment cap is +/- 2%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. Monthly payment based on a single family, owner occupied, 725+ credit score with a combined loan-to-value of 80% and loan amount of $50,000.00. Monthly payment example quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation.}

^{7: Home Equity Line of Credit: The Annual Percentage Rate (APR) is variable rate and may change quarterly based on an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal plus a margin of 0% to 4% based on creditworthiness, with a floor rate of 2.50% APR and a maximum APR of 18%. The APR is based on a current index and applicable margins ranging from 7.75% to 11.75%. A 15-year draw period for advance, in which borrower will be billed for interest only or $100, whichever is greater, followed by a 15-year amortization of principal and interest. You may be required to pay certain fees to third parties to open a line of credit such as appraisers and title companies; such fees can range from $214 to $796.50, if required.}

^{8: Exclusions apply, not all mortgage loan products qualify for bi-weekly payments. For additional information visit Fox Communities Credit Union (“Fox”) location or speak with a Fox Mortgage Loan Officer.}

Vehicles, Boats, Campers & Motorcycles

Estimated monthly payment of $19.05 per $1,000 borrowed at 5.38% APR for 60 months.⁷

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners
 

Estimated monthly payment of $19.51 per $1,000 borrowed at 6.38% APR for 60 months.⁷

It’s About Time Homeowners’ Loan² (Unsecured)

Estimated monthly payment of $20.51 per $1,000 borrowed at 8.49% APR for 60 months.⁷

Unsecured Loans

Estimated monthly payment of $22.37 per $1,000 borrowed at 12.24% APR for 60 months.⁷

VISA Credit Cards

Credit card APRs are variable and change based on U.S. Prime Rate (currently 7.75%) plus a margin based on credit card product selected.

Kwik Cash Line of Credit

Payment of $15.00 or $3.00 for each $100.00 borrowed, whichever is greater as of the most recent advance date.

Savings Secured/Credit Builder Loan

Estimated monthly payments of $19.05 per $1,000 borrowed a 5.38% APR for 60 months.⁷

^{*APR=Annual Percentage Rate.}

^{1: Kwik Cash is an unsecured line of credit and has no annual fee. For additional information and complete details and applicable fees, refer to the Revolving Line of Credit Agreement and Truth-In-Lending Disclosure Statement or contact Fox.} 

^{2: It’s About Time Homeowners’ is an unsecured loan available to owner-occupied primary residence; subject to credit approval, income verification, and proof of owner-occupied home ownership. Also available to non-homeowners; loan amounts, rates and terms may vary. Contact Fox for additional details, terms and conditions that may apply.}

^{3: Fox Cash Back rate is variable and based on the Prime Rate (currently 7.75% as of 11.8.2024), plus a margin of 8.49% to 16.49% for purchases; and 10.49% to 18.49% for cash advance and balance transfers. The interest rate may increase or decrease as identified by the Wall Street Journal ‘Prime Rate”. The interest rate may change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. APR is based on creditworthiness at the time the account is established. No annual membership fee, cash advance or balance transfer fee. A foreign transaction fee is 1% of each transaction in US dollars. For additional information, see a Fox team member or refer to your Credit Card Account disclosure for complete details and applicable fees.}

^{4: Fox Best Rate Intro 5.99% APR is available to new account holders on purchases for six months from the account opening date, thereafter, your standard APR will be a variable rate based on the Prime Rate (currently 7.75% as of 11.08.2024), plus a margin of 3.49% to 11.49% for purchases; and 5.49% to 13.49% for cash advances and balance transfers. The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. APR is based on creditworthiness at the time the account is established. No annual membership fee, cash advance or balance transfer fee. A foreign transaction fee is 1% of each transaction in US dollars. For additional information, see a Fox team member or refer to your Credit Card Account disclosure for complete details and applicable fees.}

^{5: Fox First Rewards rate is variable and based on the Prime Rate (currently 7.75% as of 11.8.2024), plus a margin of 7.49% for purchases; and 9.49% for cash advances and balance transfers. The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 20%. Any increase will lengthen the time it takes to pay off your loan. APR is based on creditworthiness at the time the account is established. No annual membership fee, cash advance or balance transfer fee. A foreign transaction fee is 1% of each transaction in US dollars. For additional information, see a Fox team member or refer to your Credit Card Account disclosure for complete details and applicable fees.}

^{6: Fox Secured rate is variable and based on the Prime Rate (currently 7.75% as of 11.8.2024), plus a margin of 11.49% for purchases; and 13.49% for cash advances and balance transfers. The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. APR is based on creditworthiness at the time the account is the account is established. No annual membership fee, cash advance or balance transfer fee. A foreign transaction fee is 1% of each transaction in US dollars. For additional information, see a Fox team member or refer to your Credit Card Account disclosure for complete details and applicable fees.}

^{7: Secured and Unsecured rates and payment examples assume A tier credit, not all borrowers will qualify.}

Checking Accounts

Health Savings Accounts (HSA)²

Money Market Accounts

Savings Accounts

^{**APY = Rates/terms are subject to change at any time and may change after the account is opened. Dividends are calculated using the Daily Balance Method for all accounts. Must meet membership eligibility requirements and open a Membership Share Savings account with a $5 balance.}

^{1: When the Fox Rewards Checking account daily balance up to and including $5,000.00 earns a dividend rate of 4.89%, resulting in an APY of 5.00%; and daily balances over $5,000 earn a rate of 0.50% APY on the portion of the daily balance over $5,000.00 resulting in a range from 0.50% to 5.00% APY, depending on the account daily balance and meeting the monthly qualifications. When qualifications are not met, the rate earned on the entire daily balance in the account will be 0.01% APY, and domestic ATM fee refunds will not apply. Dividends are calculated and accrued daily based on the Fox Rewards Checking balance tier and Monthly Qualification requirements met. Monthly Qualification Cycle requirements are: (a) make 15 Fox Communities Credit Union (Fox) debit/credit card qualifying purchase transactions that post and settle during each Monthly Qualification Cycle, restrictions apply; (b) have a $500 or more direct deposit or automatic payment during each Monthly Qualification Cycle; (c) enroll in Online Banking and elect to receive eStatements with a valid email address. Limit of one Fox Rewards Checking account per a tax reported owner. Rates are subject to change at any time. Fees may reduce earnings on account.}

^{The monthly qualification cycle begins on the last business day of the previous month and ends one (1) day prior to the last business day of the current month. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.} 

^{2: A one-time $25 setup fee will apply. This account is subject to limitations imposed by the IRS. Fox Communities Credit Union does not provide tax advice; consult a tax professional for additional information.}

^{3: Fox Rewards Money Market account, a tiered variable rate account, requiring an average daily, balance of $15,000 or more during each dividend period. Dividends are calculated and accrued daily based on the Fox Rewards Money Market balance tier and monthly qualifications requirements met. Monthly qualification requirements are: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced. Fees may reduce earnings on account. For additional details, terms, and applicable fees, contact Fox or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.}

^{4: To avoid a $15 monthly minimum balance fee and to earn the disclosed APY, a balance of at least $500,000.00 must be maintained in this account each day.}

^{5: Fox Rewards Savings, a variable rate account, with no minimum balance requirements. Dividends are calculated and accrued daily, based on balance and monthly qualification requirements met. To qualify for a higher dividend and annual percentage yield (APY) during the dividend period, you must: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced to 0.10% APY. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.} 

^{6: Individual Retirement Account (IRA) Savings, a variable rate account; requiring a daily balance of $100 or more to earn dividends. Accounts are subject to limitations imposed by the IRS. Consult your tax advisor for additional information. For additional details, terms, and applicable fees, contact Fox or refer to your IRA agreement, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.}

Certificate Special! $5,000 Minimum Balance

$2,000 Minimum Balance

$500 Minimum Balance

Jumbo Certificates and IRAs

$500,000 Minimum Balance

^{**APY= Annual Percentage Yield. Early withdrawal penalties apply and will reduce earnings on account. For additional details, terms, and applicable fees, contact Fox or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance.}

^{1: Specials may end at any time, without prior notice.}

^{2: New money required unless current Fox Communities Credit Union (Fox) member with an active checking (4 transactions per month) at Fox.} 

Checking Accounts

Money Market Accounts

Savings Accounts

Certificate Special²

Certificates

$2000 Minimum Balance

Jumbo Certificates

$500,000 Minimum Balance

^{^APY=Annual Percentage Yield. Rates are subject to change at any time and may change after the account is opened.  Dividends are calculated using the daily balance method; credited to the account monthly.  Fees may reduce earnings on account.}

^{* APY=Annual Percentage Yield; rates are subject to change at any time without notice. Early withdrawal penalties apply and may reduce earnings.} 

^{1: No dividends are paid on this Account. An Earnings Credit Rate of 1.00% is applied to lower or offset the $15 monthly account maintenance fee and certain transaction or service fees. The Earnings Credit is calculated by applying the Earnings Credit Rate to the average daily collected balance for the month, minus 10.00% reserve. The Earnings Credit Rate is determined by Our Board of Directors and is subject to change without notice.}

^{2: $5,000 new money required unless current Fox Communities Credit Union (Fox) member with an active checking (4 transactions per month) at Fox.}

^{3: Specials may end at any time, without prior notice.}