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.

Rates as of June 24, 2024 *

Fixed Rate Mortgages

Product Rate as low as APR as low as Monthly Payment
30 Year Fixed 16.500%6.560%$1,042.91
20 Year Fixed 16.125%6.202%$1,194.04
15 Year Fixed 16.000%6.097%$1,392.36
10 Year Fixed 16.000%6.136%$1,831.84

 

First Time Home Buyers Products

Product Rate as low as APR as low as Monthly Payment
10/1 ARM 26.625%7.096%$1,056.51
7/1 ARM 26.625%7.291%$1,056.51
Fox First Home Advantage (30 Year Fixed) 1,36.500%6.519%$1,042.91

 

Adjustable Rate Mortgages

Product Rate as low as APR as low as Monthly Payment
10/1 ARM 26.750%7.220%$1,070.19
7/1 ARM 26.750%7.397%$1,070.19
5/1 ARM 26.490%7.440%$1,041.83

 

Construction Loans

Product Rate as low as APR as low as Monthly Payment
15 Year Fixed 46.250%6.298%$3,981.56
10/1 ARM 46.250%6.848%$2,795.10
5/1 ARM 46.250%7.303%$2,795.10

 

Home Equity Loan

Product Rate as low as APR as low as Monthly Payment
5 Year Fixed 56.740%6.833%$983.94
3/1 ARM Terms up to 30 Years 66.740%8.370%$323.97
5/1 ARM Terms Up to 30 Years 66.740%8.052%$323.97

 

Home Equity Lines of Credit

Product Rate as low as APR as low as Monthly Payment
Home Equity Line of Credit 78.500%8.500%

 

Lot/Land Loans

Product Rate as low as APR as low as Monthly Payment
10/1 ARM 26.750%7.220%$1,070.19
7/1 ARM 26.750%7.397%$1,070.19
5/1 ARM 26.750%7.546%$1,070.19
3/1 ARM 26.750%7.724%$1,070.19
1/1 ARM 26.750%7.941%$1,070.19

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

To qualify for a mortgage or home equity loan product(s), you must be an existing member of Fox Communities Credit Union (Fox) or 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 8.50% to 12.50%. 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.

Advertised rates “as low as” are determined by creditworthiness, downpayment, term, and collateral (if applicable). All rates, terms and conditions are subject to credit approval and eligibility requirements and may change at any time without notice. Published rates do not constitute a loan offer. All lending products are subject to credit approval.

For business loan rates, please contact a business lender.

Vehicles, Boats, Campers & Motorcycles 2019 & Newer

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

Effective Date: June 24, 2024
APR
12 months or lessRates as low as 6.49%*
13 – 24 monthsRates as low as 6.49%*
25 – 36 monthsRates as low as 6.49%*
37 – 48 monthsRates as low as 6.49%*
49 – 60 monthsRates as low as 6.49%*
61 – 72 monthsRates as low as 6.49%*

Estimated monthly payment of $19.56 per $1,000 borrowed at 6.49% APR for 60 months.7

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners 2019 & Newer

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

Effective Date: June 24, 2024
APR
12 months or lessRates as low as 7.49%
13 – 24 monthsRates as low as 7.49%
25 – 36 monthsRates as low as 7.49%
37 – 48 monthsRates as low as 7.49%
49 – 60 monthsRates as low as 7.49%
61 – 72 monthsRates as low as 7.49%

Estimated monthly payment of $20.03 per $1,000 borrowed at 7.49% APR for 60 months.7

It’s About Time Homeowners’ Loan2 (Unsecured)

Effective Date: June 24, 2024
It’s About Time Homeowners’ Loan
Rates as low as 11.74% APR*
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.7

Unsecured Loans

Effective Date: June 24, 2024
Unsecured Loans
Rates as low as 12.24% APR*
Terms up to 60 Months based on amount borrowed.

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

VISA Credit Cards

Effective Date: June 24, 2024
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*

Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of 12/1/2023.

Kwik Cash Line of Credit

Effective Date: June 24, 2024
Kwik Cash Line of Credit
12.90% APR*

Savings Secured/Credit Builder Loan

Effective Date: June 24, 2024
Savings Secured/Credit Builder Loan
6.49% APR*Terms up to 60 months

Estimated monthly payments of $19.56 per $1,000 borrowed a 6.49% APR for 60 months.7

1: Kwik Cash is an unsecured line of credit and has no annual fee. The minimum payment requirement is the greater of $15 per month, or $3 for each $100 of the principal loan balance as of the most recent advance date. For additional information and complete details and applicable fees, refer to the Revolving Line of Credit Agreement and Truth-In-Lending Disclosure Statement.

2: Unsecured It’s About Time Homeowners’ loan is available for owner-occupied primary residence. Loan is subject to credit approval, income verification and proof of owner-occupied home ownership. Additional non-homeowner loan rates and terms are available. See a Fox team member for additional information about terms and conditions that may apply.

3: Fox Cash Back rate is variable and based on the Prime Rate (currently 8.50% as of 11.22.2023), 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, after that, your standard APR will be 11.99% to 19.99% and may vary with the market based on the Prime Rate (currently 8.50% as of 11.22.2023). The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. The APR will be equal to the Prime Rate plus a margin of 3.49% to 11.49% for purchases; and 5.49% to 13.49% for cash advances and balance transfers. 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 8.50% as of 11.22.2023), 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 8.50% as of 11.22.2023), 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.

For individual depositors. Dividend rates and APYs may change at any time as determined by Fox Communities Credit Union’s Board of Directors. Fees may reduce earnings on account. 

Checking Accounts

Effective Date: June 24, 2024
Balance Annual Percentage Yield** Dividend Rate
Fox Rewards Checking1$5,000.00 & less5.00%4.89%
$5,000.01 & greater0.50%0.50%
Fox Free CheckingN/A%N/A%
Checking Plus (Minimum balance of $200 required to avoid $2 monthly service charge)$500+0.10%0.10%
Civic Club CheckingN/A%N/A%

Health Savings Accounts (HSA)2

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate
$25,000+0.60%0.60%
$10,000-$24,999.990.50%0.50%
$2,500-$9,999.990.40%0.40%
$100-$2,499.990.30%0.30%

Money Market Accounts

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate
Fox Rewards Money Market3
If qualifications are met:
$1,000,000+5.00%4.89%
$500,000-$999,999.994.50%4.41%
$100,000-$499,999.994.00%3.93%
$15,000-$99,999.993.50%3.45%
$0.01-$14,999.991.00%1.00%
If qualifications are NOT met:
$1,000,000+4.00%3.93%
$500,000-$999,999.993.00%2.96%
$100,000-$499,999.992.00%1.98%
$15,000-$99,999.991.00%1.00%
$0.01-$14,999.99.50%.50%
Everyday Money Market (To earn the disclosed APY, a minimum balance of $100 is required)
$1,000,000+4.00%3.93%
$500,000-$999,999.993.00%2.96%
$100,000-$499,999.992.00%1.98%
$15,000-$99,999.991.00%1.00%
$100-$14,999.99.50%.50%
Jumbo Money Market4 (Minimum balance of $500,000 required to avoid $15 monthly service charge)
$1,000,000+4.00%3.93%
$500,000-$999,999.993.50%3.45%
$0-$499,999.990.10%0.10%

Savings Accounts

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate
Fox Rewards Savings52.00%1.98%
Regular Savings & KAPOW Club Savings (To earn the disclosed APY, a minimum balance of $100 is required)0.10%0.10%
Holiday Club (To earn the disclosed APY, a minimum balance of $100 is required)0.10%0.10%
Individual Retirement Account (IRA. To earn the disclosed APY, a minimum balance of $100 is required)0.10%0.10%

1: Fox Rewards Checking account dividends are calculated and accrued daily based on Fox Rewards Checking balance tier and if Monthly Qualification requirements are met. To earn the disclosed 5.00% APY on balances up to $5,000, plus earn 0.50% APY on balances over $5,000, and be reimbursed for domestic ATM fees incurred, you must: (a) make 15 or more Fox debit/credit card qualifying transactions that post and settle to your account during the Monthly Qualification Cycle; restrictions apply, (b) consent and receive your periodic statement electronically; (c) make a direct deposit or automatic debt transaction totaling at least $500.00 during Monthly Qualification Cycle; and (d) have a valid email address on file with Fox. For months in which the minimum qualifications are not met, earnings are reduced to 0.01% APY and you will not receive credit for domestic ATM fees incurred. Domestic ATM fees incurred during each periodic statement will be reimbursed up to a total of $15.00 if qualifications are met within the Monthly Qualification Cycle. 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.

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 is a tired variable rate account and subject to change at any time. To obtain the higher APY on the Fox Rewards Money Market account you must maintain an average daily balance of $15,000 or more; (a) consent and receive your statement electronically with a valid email address on file with Fox; (b) have a Fox Rewards Checking account with same ownership type as your Fox Rewards Money Market account; and (c) meet all monthly earning requirements of the Fox Rewards Checking account. If Monthly Qualification Cycle requirements are not met, earnings reduced to 0.10% APY.

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 account is a variable rate account and subject to change at any time. To obtain the APY on the Fox Rewards Savings account you must (a) consent and receive your statement electronically with a valid email address on file with Fox; (b) have a Fox Rewards Checking account with same ownership type as your Fox Rewards Savings account; and (c) meet all monthly earning requirements of the Fox Rewards Checking account. If Monthly Qualification Cycle requirements are not met, earnings reduced to 0.10% APY.

For individual depositors. Dividend rates and APYs may change at any time as determined by Fox Communities Credit Union’s Board of Directors. Fees may reduce earnings on account. 

Certificate Special! $5,000 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
7 Months1, 25.25%5.15%180 Days
13 Months1, 25.00%4.91%270 Days

$2,000 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
3 Months3.00%2.97%30 Days
6 Months3.00%2.97%90 Days

$500 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
12 Months4.15%4.09%180 Days
18 Months4.20%4.135%180 Days
24 Months4.25%4.18%270 Days
30 Months4.25%4.18%270 Days
36 Months4.30%4.23%365 Days
48 Months4.30%4.23%365 Days
60 Months4.35%4.28%365 Days

Jumbo Certificates and IRAs

$500,000 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
6 Months5.25%5.15%180 Days
12 Months5.00%4.91%270 Days

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. 

For Business depositors

Checking Accounts

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate
Business Checking Plus (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 Checking1
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.%
Advanced Business Money MarketPlease inquire about rates.%

Savings Accounts

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate
Regular Business Savings
$100+0.10%0.10%

Certificate Specials2

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
7 Months35.25%5.15%180 Days
13 Months35.00%4.91%270 Days

Certificates

$2000 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
3 Months3.00%2.97%30 Days
6 Months3.00%2.97%90 Days
12 Months4.15%4.09%180 Days
24 Months4.25%4.18%270 Days

Jumbo Certificates and IRAs

$500,000 Minimum Balance

Effective Date: June 24, 2024
Annual Percentage Yield** Dividend Rate Early Withdrawal Penalty
6 Months5.25%5.15%180 Days
12 Months5.00%4.91%270 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.

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.

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin.

*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.

**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.