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Loans Checking & Savings Certificates & IRAs Business Accounts

Loan Rates

Rates as of November 13, 2020**
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
2015 & Newer: up to 60 Months	Rates as low as 1.99%*
2018 & Newer: 61-72 Months	Rates as low as 1.99%*
2015 - 2017: 61-72 Months	Rates as low as 2.49%*

• 2012-2014 Vehicles, Boats, Campers & Motorcycles = Above Rate + 1.00%
(Term up to 48 months)

• 2009-2011 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
2015 & Newer: up to 60 Months	Rates as low as 2.49%*
2018 & Newer: 61-72 Months	Rates as low as 2.49%*
2015 - 2017: 61-72 Months	Rates as low as 2.99%*

• 2012-2014 ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners = Above Rate + 1.00%
(Term up to 48 months)

• 2009-2011 ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners = Above Rate + 2.00%
(Term up to 48 months)

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

Unsecured Loans
Rates as low as 9.90%*

*"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%*

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

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 November 17, 2020*

Checking Accounts
	Annual Percentage Yield	Dividend Rate
Fox Free Checking	N/A	N/A
Checking Plus	.15%	.15%
Select Checking	.05%	.05%
Civic Club Checking	N/A	N/A
Living and Funeral Trust	N/A	N/A

Health Savings Accounts (HSA)
	Annual Percentage Yield	Dividend Rate
$25,000+	.75%	.75%
$10,000-$24,999	.65%	.65%
$2,500-$9,999	.55%	.55%
$100-$2,499	.45%	.45%

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+	.75%	.75%
$500,000 - $999,999	.65%	.65%
$100,000 - $499,999	.55%	.55%
Money Market 100 $100,000 minimum deposit $15/month fee if balance falls below minimum	.55%	.55%
Money Market Advantage $15,000 minimum deposit $15/month fee if balance falls below minimum	.35%	.35%
Money Market Investment No minimum deposit
$25,000+	.35%	.35%
$10,000-$24,999	.25%	.25%
$2,500-$9,999	.15%	.15%
$100-$2,499	.05%	.05%

Savings Accounts
	Annual Percentage Yield	Dividend Rate
Regular Daily Savings & Kirby Savings	.20%	.20%
Holiday Club & Back to School Club	.20%	.20%
Open IRA	.20%	.20%

*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 October 15, 2020*

Special Offer - Certificates
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
10 Months - With an active checking **	1.00%	1.00%	180 days
10 Months - without an active checking**	0.80%	0.80%	180 days
$5,000 Minimum Balance			*Limited time offer
			** a checking must have at least 4 transactions per month to be considered active

$2,000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
3 Months	.25%	.25%	30 days
6 Months	.60%	.60%	90 days

$500 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
12 Months	.80%	.80%	180 days
18 Months	.90%	.90%	180 days
24 Months	1.00%	1.00%	270 days
30 Months	1.10%	1.10%	270 days
36 Months	1.20%	1.19%	365 days
48 Months	1.25%	1.24%	365 days
60 Months	1.30%	1.29%	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 November 17, 2020*

Special Offer - Certificates
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
10 Months (with Active Checking)	1.00%	1.00%	180 days
10 Months	0.80%	0.80%	180 days
$5,000 Minimum Balance			*Limited time offer.

Checking Accounts
	Annual Percentage Yield	Dividend Rate
Business Checking Plus According to the Average Collected Monthly Balance
$50,000+	.30%	.30%
$25,000-$49,999	.20%	.20%
$2,500-$24,999	.10%	.10%
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+	.75%	.75%
$500,000 - $999,999	.65%	.65%
$100,000 - $499,999	.55%	.55%
Business Money Market 100 $100,000 minimum deposit $15/month fee if balance falls below minimum	.55%	.55%
Business Money Market Advantage $15,000 minimum deposit $15/month fee if balance falls below minimum	.35%	.35%
Business Money Market Investment No minimum deposit
$25,000+	.35%	.35%
$10,000-$24,999	.25%	.25%
$2,500-$9,999	.15%	.15%
$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	.25%	.25%	30 days
6 Months	.60%	.60%	90 days

Certificates $2,000 Minimum Balance
	Annual Percentage Yield	Dividend Rate	Early Withdrawal Penalty
12 Months	.80%	.80%	180 days
24 Months	1.00%	1.00%	270 days

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