Fox Communities Credit Union
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As a member of a credit union, you are an owner. You have a share in our future. 
At Fox Communities, our lending decisions are made right here - locally. 
We provide the right services for you to manage your money. 
For over 80 years, we've been here, in your neighborhood. We're friends and we're family. 
Loan Rates
Rates as of March 15, 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.
Checking and Savings Rates
For individual depositors as of April 27, 2021*
| 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 | |
| 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% |
| Savings Accounts | ||
|---|---|---|
| Annual Percentage Yield | Dividend Rate | |
| Regular Daily Savings & Kirby 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.
Certificate and IRA Rates
For individual depositors as of March 1, 2021*
| $2,000 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 3 Months | .20% | .20% | 30 days |
| 6 Months | .50% | .50% | 90 days |
| $500 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early 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 Months | 1.00% | 1.00% | 365 days |
| 48 Months | 1.05% | 1.05% | 365 days |
| 60 Months | 1.10% | 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.
Deposit Rates for Business Accounts
For Business depositors as of April 27, 2021*
| 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 | |
| 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% |
| Savings Accounts | ||
|---|---|---|
| Annual Percentage Yield | Dividend Rate | |
| Regular Business Savings | .05% | .05% |
| Certificates $2000 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 3 Months | .20% | .20% | 30 days |
| 6 Months | .50% | .50% | 90 days |
| Certificates $2,000 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early 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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