Rates

Loan Rates

Rates as of August 1, 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: up to 72 Months	Rates as low as 2.99%*
2019 & Newer: 84 Month term	Rates as low as 3.99%* Minimum loan amount $30,000
2014 – 2016: up to 60 Months	Rates as low as 3.99%*
2013 & Older: up to 48 Months	Rates as low as 6.99%*

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, and collateral. Estimated monthly payment of $15.19 per $1,000 borrowed at 2.99% APR for 72 months.

ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners
2017 & Newer: up to 72 Months	Rates as low as 3.49%*
2014 – 2016: up to 60 Months	Rates as low as 4.49%*
2013 & Older: up to 60 Months	Rates as low as 7.49%*

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral. Estimated monthly payment of $15.41 per $1,000 borrowed at 3.49% APR for 72 months.

It’s About Time Homeowners’ Loan
Rates as low as 7.50%*
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 $20.04 per $1,000 borrowed at 7.50% APR for 60 months.

Unsecured Loans
Rates as low as 8.00%* Terms up to 60 Months based on amount borrowed. Maxiumum loan amount $10,000.

*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral. Estimated monthly payment of $31.34 per $1,000 borrowed at 8.00% APR for 36 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
2.99% APR*	Terms up to 60 months

Estimated monthly payments of $17.96 per $1,000 borrowed a 2.99% APR for 60 months.

MORTGAGE AND HOME EQUITY PRODUCT RATES

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

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.

Checking and Savings Rates

For individual depositors as of August 8, 2022*

Checking Accounts
	Annual Percentage Yield	Dividend Rate
Fox Free Checking	N/A	N/A
Checking Plus	.10%	.10%
Select Checking	.05%	.05%
Civic Club Checking	N/A	N/A

Health Savings Accounts (HSA)
	Annual Percentage Yield	Dividend 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 Yield	Dividend Rate
Everyday Money Market No minimum deposit
$1,000,000+	1.00%	1.00%
$500,000-$999,999	.80%	.80%
$100,000-$499,999	.60%	.60%
$15,000-$99,999	.40%	.40%
$100-$14,999	.20%	.20%
Less than $100	.00%	.00%

Savings Accounts
	Annual Percentage Yield	Dividend Rate
Regular Daily Savings & KA-POW Club Savings	.10%	.10%
Holiday Club & Back to School Club	.10%	.10%
Open IRA	.10%	.10%

Certificate and IRA Rates

For individual depositors as of August 4, 2022*

CERTIFICATE SPECIAL! $5,000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
13 Months**	2.50%	2.48%	180 days
22 Months**	2.20%	2.18%	180 days
$2,000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
3 Months	.50%	.50%	30 days
6 Months	1.00%	1.00%	90 days
$500 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
12 Months	1.50%	1.49%	180 days
18 Months	1.60%	1.59%	180 days
24 Months	1.65%	1.64%	270 days
30 Months	1.70%	1.69%	270 days
36 Months	1.75%	1.74%	365 days
48 Months	1.85%	1.84%	365 days
60 Months	2.00%	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

Deposit Rates for Business Accounts

For Business depositors as of August 8, 2022*

Checking Accounts
	Annual Percentage Yield	Dividend 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 Checking	N/A	N/A

Money Market Accounts
	Annual Percentage Yield	Dividend Rate
Everyday Business Money Market No minimum deposit
$1,000,000+	1.00%	1.00%
$500,000-$999,999	.80%	.80%
$100,000-$499,999	.60%	.60%
$15,000-$99,999	.40%	.40%
$100-$14,999	.20%	.20%
Less than $100	.00%	.00%

Savings Accounts
	Annual Percentage Yield	Dividend Rate
Regular Business Savings	.05%	.05%

CERTIFICATE SPECIAL!** $5000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
13 months	2.50%	2.48%	180 days
22 Months	2.20%	2.18%	180 days

Certificates $2000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
3 Months	.50%	.50%	30 days
6 Months	1.00%	1.00%	90 days
12 Months	1.50%	1.49%	180 days
24 Months	1.65%	1.64%	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.