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Rates

Rates

Certificate special! 4.00% APY for 7 months.

Learn More

Rates as of November 10, 2022**
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 2017 & Newer
Other terms & rates available for older collateral, contact a Fox Team Member for more information.
12 months or lessRates as low as 4.24%*
13 – 24 monthsRates as low as 4.49%*
25 – 36 monthsRates as low as 4.74%*
37 – 48 monthsRates as low as 5.24%*
49 – 60 monthsRates as low as 5.49%*
61 – 72 monthsRates as low as 5.74%*

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, and collateral. Estimated monthly payment of $19.10 per $1,000 borrowed at 5.49% APR for 60 months.

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners 2017 & Newer
Other terms & rates available for older collateral, contact a Fox Team Member for more information.
12 months or lessRates as low as 4.74%
13 – 24 monthsRates as low as 4.99%
25 – 36 monthsRates as low as 5.24%
37 – 48 monthsRates as low as 5.74%
49 – 60 monthsRates as low as 5.99%
61 – 72 monthsRates as low as 6.24%

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral. Estimated monthly payment of $19.33 per $1,000 borrowed at 5.99% APR for 60 months.

It’s About Time Homeowners’ Loan
Rates as low as 8.99%*
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 $20.75 per $1,000 borrowed at 8.99% APR for 60 months.

Unsecured Loans
Rates as low as 9.49%*
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 $21.00 per $1,000 borrowed at 9.49% APR for 60 months.

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
4.24% APR*Terms up to 60 months

Estimated monthly payments of $18.53 per $1,000 borrowed a 4.24% 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

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 as of December 5, 2022*

Checking Accounts
 BalanceAnnual Percentage YieldDividend Rate
Fox Rewards CheckingPortion below $5,000.015.00%4.89%
 Portion above $5,000.000.50%0.50%

The monthly qualifications required to earn these rates are:

  • Use Fox debit and/or credit card 15 times per month
  • Have total monthly direct deposit or automatic debit of at least $500 attached to the account
  • Are signed up for eStatements
    If monthly qualification requirements are not met, the dividend rate paid on the entire balance is 0.01% and a $5 monthly service charge is assessed.
    
Fox Free Checking N/AN/A
Checking Plus$500+.10%.10%
Select Checking$500+.05%.05%
Civic Club Checking N/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
Everyday Money Market No minimum deposit  
$1,000,000+2.00%1.98%
$500,000-$999,9991.50%1.49%
$100,000-$499,9991.00%1.00%
$15,000-$99,999.50%.50%
$100-$14,999.20%.20%
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 November 3, 2022*

CERTIFICATE SPECIAL! $5,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
7 Months**4.00%3.94%90 days
13 Months**3.60%3.55%180 days
22 Months**3.55%3.50%180 days
$2,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months1.00%1.00%30 days
6 Months1.50%1.49%90 days
$500 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
12 Months2.50%2.48%180 days
18 Months2.40%2.38%180 days
24 Months2.30%2.28%270 days
30 Months1.70%1.69%270 days
36 Months1.75%1.74%365 days
48 Months1.85%1.84%365 days
60 Months2.00%1.98%365 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 as of November 3, 2022*

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
Everyday Business Money Market  No minimum deposit  
$1,000,000+2.00%1.98%
$500,000-$999,9991.50%1.49%
$100,000-$499,9991.00%1.00%
$15,000-$99,999.50%.50%
$100-$14,999.20%.20%
Less than $100.00%.00%

Savings Accounts
 Annual Percentage YieldDividend Rate
Regular Business Savings.10%.10%

CERTIFICATE SPECIAL!** $5000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
7 Months4.00%3.94%90 days
13 Months3.60%3.55%180 days
22 Months3.55%3.50%180 days

Certificates $2000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months1.00%1.00%30 days
6 Months1.50%1.49%90 days
12 Months2.50%2.48%180 days
24 Months2.30%2.28%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.

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