We want these numbers to work for you.

It's pretty simple. Lower rates save you money when you're borrowing. Higher deposit account rates put more money in your pocket. We do our best to set rates that are right on the money - your money.

Fox Communities Credit Union uses a “merit based” system for determining loan rates. *Rates are as low as. APR (Annual Percentage Rate) determined by creditworthiness, and collateral. All rates, terms, and conditions may change without notice. All loans subject to approval and eligibility.

For business loan rates, please contact a business lender.

Vehicles, Boats, Campers & Motorcycles 2018 & Newer

Other terms & rates available for older collateral, contact a Fox Team Member for more information.

Effective Date: December 8, 2023
12 months or lessRates as low as 6.74%*
13 – 24 monthsRates as low as 6.74%*
25 – 36 monthsRates as low as 6.74%*
37 – 48 monthsRates as low as 6.74%*
49 – 60 monthsRates as low as 6.74%*
61 – 72 monthsRates as low as 6.74%*

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, and collateral. Estimated monthly payment of $19.68 per $1,000 borrowed at 6.74% APR for 60 months.

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners 2018 & Newer

Other terms & rates available for older collateral, contact a Fox Team Member for more information.
 

Effective Date: December 8, 2023
12 months or lessRates as low as 7.74%
13 – 24 monthsRates as low as 7.74%
25 – 36 monthsRates as low as 7.74%
37 – 48 monthsRates as low as 7.74%
49 – 60 monthsRates as low as 7.74%
61 – 72 monthsRates as low as 7.74%

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, and collateral. Estimated monthly payment of $20.15 per $1,000 borrowed at 7.74% APR for 60 months.

It’s About Time Homeowners’ Loan2 (Unsecured)

Effective Date: December 8, 2023
It’s About Time Homeowners’ Loan
Rates as low as 11.74%*
Terms up to 120 months Based on dollar amount of the loan
Minimum loan amount $5,000
Maximum loan amount $40,000

*Estimated monthly payment of $22.11 per $1,000 borrowed at 11.74% APR for 60 months.

Unsecured Loans

Effective Date: December 8, 2023
Unsecured Loans
Rates as low as 12.24%*
Terms up to 60 Months based on amount borrowed.

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral. Estimated monthly payment of $22.37 per $1,000 borrowed at 12.24% APR for 60 months.

VISA Credit Cards

Effective Date: December 8, 2023
Credit Cards
Fox Cash Back 316.99% - 24.99% Variable APR*
Fox Best Rate45.99% Intro APR4 for 6 months on purchases, thereafter 11.99% - 19.99% Variable APR*
Fox First Rewards515.99% Variable APR*
Fox Secured619.99% Variable APR*

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral.

Kwik Cash Line of Credit

Effective Date: December 8, 2023
Kwik Cash Line of Credit
12.90%*

Savings Secured/Credit Builder Loan

Effective Date: December 8, 2023
Savings Secured/Credit Builder Loan
6.74% APR*Terms up to 60 months

Estimated monthly payments of $19.68 per $1,000 borrowed a 6.74% APR for 60 months.

MORTGAGE AND HOME EQUITY PRODUCT RATES

We offer a variety of mortgage and home equity loan options including:

  • Fixed Rate Mortgages
  • Construction Loans
  • Adjustable Rate Mortgages
  • Home Equity Lines of Credit
  • Home Equity Loans
  • Lot/Land Loans

Mortgage & Home Equity Rates

Contact one of our mortgage professionals to answer any questions.

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

**Rates subject to change at any time.  Interest on all accounts is accrued daily.

For individual depositors

Checking Accounts

Effective Date: December 8, 2023
Balance Annual Percentage Yield Dividend Rate
Fox Rewards Checking$5,000.00 & less5.00%4.89%
$5,000.01 & greater0.50%0.50%
Fox Free CheckingN/A%N/A%
Checking Plus$500+0.10%0.10%
Civic Club CheckingN/A%N/A%

Health Savings Accounts (HSA)

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate
$25,000+0.60%0.60%
$10,000-$24,9990.50%0.50%
$2,500-$9,9990.40%0.40%
$100-$2,4990.30%0.30%

Money Market Accounts

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate
Fox Rewards Money Market
If qualifications are met:
$1,000,000+5.00%4.89%
$500,000-$999,9994.50%4.41%
$100,000-$499,9994.00%3.93%
$15,000-$99,9993.50%3.45%
$0.01-$14,9991.00%1.00%
If qualifications are NOT met:
$1,000,000+4.00%3.93%
$500,000-$999,9993.00%2.96%
$100,000-$499,9992.00%1.98%
$15,000-$99,9991.00%1.00%
$0.01-$14,999.99.50%.50%
Everyday Money Market (No minimum deposit)
$1,000,000+4.00%3.93%
$500,000-$999,9993.00%2.96%
$100,000-$499,9992.00%1.98%
$15,000-$99,9991.00%1.00%
$100-$14,999.50%.50%
Jumbo Money Market (Minimum balance of $500,000 required to avoid $15 monthly service charge)
$1,000,000+4.00%3.93%
$500,000-$999,9993.50%3.45%
$0-$499,9990.10%0.10%

**To earn the disclosed APY, you must maintain an average daily balance at least equal to $15,000.00 in your account during each dividend period. In order to earn the disclosed APY, during each dividend period you must: (a) consent to receive your periodic statements electronically; (b) have a valid email address on file with the credit union; (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 Account.

Savings Accounts

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate
Fox Rewards Savings2.001.98
Regular Daily Savings & KAPOW Club Savings0.100.10
Holiday Club & Back to School Club0.100.10
Open IRA0.100.10

*Rates and fees subject to change at any time. Fees may reduce earnings on the account. Interest on all accounts is accrued daily. Business depositors please inquire with a Member Service Representative for available rates.

For individual depositors

Certificate Special! $5,000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
10 Months**5.25%5.15%180 Days
15 Months **5.25%5.15%270 Days

$2,000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
3 Months1.75%1.74%30 Days
6 Months2.00%1.99%90 Days

$500 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
12 Months3.00%2.97%180 Days
18 Months3.50%3.46%180 Days
24 Months4.00%3.94%270 Days
30 Months4.00%3.94%270 Days
36 Months4.25%4.18%365 Days
48 Months4.35%4.28%365 Days
60 Months4.50%4.43%365 Days

Jumbo Certificates and IRAs

$500,000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
6 Months5.25%5.15%180 Days
12 Months5.15%5.05%270 Days

*Rates and fees subject to change at any time. Fees may reduce earnings on the account. Interest on all accounts is accrued daily. Business depositors please inquire with a Member Service Representative for available rates.
**$5,000 NEW MONEY required to open and earn dividends. This requirement is WAIVED for current members with an active checking account. An active checking account has at least 4 transactions per month

For Business depositors

Checking Accounts

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate
Business Checking Plus / Non-Profit Checking (According to the Average Collected Monthly Balance)
Minimum daily balance of $1,500 to avoid $15 monthly service charge.
$50,000+0.20%0.20%
$25,000-$49,9990.10%0.10%
$2,500-$24,9990.05%0.05%
Non-Profit Checking
$50,000+0.20%0.20%
$25,000-$49,9990.10%0.10%
$2,500-$24,9990.05%0.05%
Advanced Business Checking
An Earnings Credit Rate of 1.00% is applied to lower or offset the $15 monthly maintenance fee and certain transaction or service fees. The credit is computed by applying the Earnings Credit Rate to the average daily collected balance for the month, minus 10% reserve. N/A%N/A%

Money Market Accounts

Annual Percentage Yield Dividend Rate
Everyday Business Money MarketPlease inquire about rates.%

Savings Accounts

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate
Regular Business Savings
$100+0.10%0.10%

Certificate Special! $5000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
10 Months**5.25%5.15%180 Days
15 Months**5.25%5.15%270 Days

Certificates

$2000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
3 Months1.75%1.74%30 Days
6 Months2.00%1.99%90 Days
12 Months3.00%2.97%180 Days
24 Months2.75%2.72%270 Days

Jumbo Certificates and IRAs

$500,000 Minimum Balance

Effective Date: December 8, 2023
Annual Percentage Yield Dividend Rate Early Withdrawal Penalty
6 Months5.25%5.15%180 Days
12 Months5.15%5.05%180 Days

*Rates and Terms subject to change at any time. Dividends accrue daily. Early withdrawal penalties may apply. Fees may reduce earnings. **$5,000 NEW MONEY required to open and earn dividends. This requirement is WAIVED for current members with an active checking account. An active checking account has at least 4 transactions per month.

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Eastern Wisconsin, including Appleton, Green Bay, Oshkosh, Manitowoc, and Milwaukee.