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Rates

Rates

Rates as of December 1, 2021**
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, account relationship, 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
2016 & Newer:
up to 60 Months		Rates as low as 1.99%*
2019 & Newer:
61-72 Months		Rates as low as 1.99%*
2016 – 2018:
61-72 Months		Rates as low as 2.49%*

• 2013-2015 Vehicles, Boats, Campers & Motorcycles = Above Rate + 1.00%
(Term up to 48 months)

• 2010-2012 Vehicles, Boats, Campers & Motorcycles = Above Rate + 2.00%
(Term up to 36 months)

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

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners
2016 & Newer:
up to 60 Months		Rates as low as 2.49%*
2019 & Newer:
61-72 Months		Rates as low as 2.49%*
2016 – 2018:
61-72 Months		Rates as low as 2.99%*

• 2013-2015 ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners = Above Rate + 1.00%
(Term up to 48 months)

• 2010-2012 ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners = Above Rate + 2.00%
(Term up to 36 months)

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

Unsecured Loans
Rates as low as 6.90%*

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

Platinum Rewards Credit Card
Rates as low as 9.90%*
6 month introductory APR on purchases – 1.99%

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

Kwik Cash Line of Credit
12.90%*

Savings Secured/Credit Builder Loan
2.74%Terms up to 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

Contact one of our mortgage professionals to answer any questions.

  • Free pre-approvals
  • 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 as of December 1, 2021*

Checking Accounts
 Annual Percentage YieldDividend Rate
Fox Free CheckingN/AN/A
Checking Plus.10%.10%
Select Checking.05%.05%
Civic Club CheckingN/AN/A

Health Savings Accounts (HSA)
 Annual Percentage YieldDividend Rate
$25,000+.60%.60%
$10,000-$24,999.50%.50%
$2,500-$9,999.40%.40%
$100-$2,499.30%.30%

Money Market Accounts
 Annual Percentage YieldDividend Rate
Money Market 100 Plus
$100,000 minimum deposit
Must have active Checking Account
$15/month fee if balance falls below minimum
$1,000,000+.60%.60%
$500,000 – $999,999.50%.50%
$100,000 – $499,999.40%.40%
Money Market 100
$100,000 minimum deposit
$15/month fee if balance falls below minimum		.35%.35%
Money Market Advantage
$15,000 minimum deposit
$15/month fee if balance falls below minimum		.30%.30%
Money Market Investment
No minimum deposit
$25,000+.30%.30%
$10,000-$24,999.20%.20%
$2,500-$9,999.10%.10%
$100-$2,499.05%.05%
Everyday Money Market
No minimum deposit		  
$1,000,000+.55%.55%
$500,000-$999,999.45%.45%
$100,000-$499,999.35%.35%
$15,000-$99,999.25%.25%
$100-$14,999.05%.05%
Less than $100.00%.00%

Savings Accounts
 Annual Percentage YieldDividend Rate
Regular Daily Savings & KA-POW Club Savings.10%.10%
Holiday Club & Back to School Club.10%.10%
Open IRA.10%.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 as of December 1, 2021*

$2,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months.20%.20%30 days
6 Months.50%.50%90 days
$500 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
12 Months.70%.70%180 days
18 Months.75%.75%180 days
24 Months.80%.80%270 days
30 Months.90%.90%270 days
36 Months1.00%1.00%365 days
48 Months1.05%1.05%365 days
60 Months1.10%1.10%365 days

*Rates, terms, and fees subject to change at any time. Dividends accrue daily. Early withdrawal penalties may apply. Fees may reduce earnings. Business depositors please inquire with a Member Service Representative for available rates.

For Business depositors as of December 1, 2021*

Checking Accounts
 Annual Percentage YieldDividend Rate
Business Checking Plus
According to the Average Collected Monthly Balance
$50,000+.20%.20%
$25,000-$49,999.10%.10%
$2,500-$24,999.05%.05%
Basic Business CheckingN/AN/A

Money Market Accounts
 Annual Percentage YieldDividend Rate
Business Money Market 100 Plus
$100,000 minimum deposit
Must have active Business Checking Plus Account
$15/month fee if balance falls below minimum
$1,000,000+.60%.60%
$500,000 – $999,999.50%.50%
$100,000 – $499,999.40%.40%
Business Money Market 100
$100,000 minimum deposit
$15/month fee if balance falls below minimum		.35%.35%
Business Money Market Advantage
$15,000 minimum deposit
$15/month fee if balance falls below minimum		.30%.30%
Business Money Market Investment
No minimum deposit
$25,000+.30%.30%
$10,000-$24,999.20%.20%
$2,500-$9,999.10%.10%
$100-$2,499.05%.05%
Everyday Business Money Market 
No minimum deposit		  
$1,000,000+.55%.55%
$500,000-$999,999.45%.45%
$100,000-$499,999.35%.35%
$15,000-$99,999.25%.25%
$100-$14,999.05%.05%
Less than $100.00%.00%

Savings Accounts
 Annual Percentage YieldDividend Rate
Regular Business Savings.05%.05%

Certificates
$2000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months.20%.20%30 days
6 Months.50%.50%90 days
Certificates
$2,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
12 Months.70%.70%180 days
24 Months.80%.80%270 days

*Rates and Terms subject to change at any time. Dividends accrue daily. Early withdrawal penalties may apply. Fees may reduce earnings.

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