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Rates

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%*
*”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:
  • 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 August 8, 2022*

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
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 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 August 4, 2022* 

CERTIFICATE SPECIAL! $5,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
13 Months**2.50%2.48%180 days
22 Months**2.20%2.18%180 days
$2,000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months.50%.50%30 days
6 Months1.00%1.00%90 days
$500 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
12 Months1.50%1.49%180 days
18 Months1.60%1.59%180 days
24 Months1.65%1.64%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 August 8, 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+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 YieldDividend Rate
Regular Business Savings.05%.05%

CERTIFICATE SPECIAL!** $5000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
13 months2.50%2.48%180 days
22 Months2.20%2.18%180 days

Certificates $2000 Minimum Balance
 Annual Percentage YieldDividend RateEarly Withdrawal Penalty
3 Months.50%.50%30 days
6 Months1.00%1.00%90 days
12 Months1.50%1.49%180 days
24 Months1.65%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.

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