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 October 4, 2023**
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 2018 & Newer Other terms & rates available for older collateral, contact a Fox Team Member for more information. | |
|---|---|
| 12 months or less | Rates as low as 6.74%* |
| 13 – 24 months | Rates as low as 6.74%* |
| 25 – 36 months | Rates as low as 6.74%* |
| 37 – 48 months | Rates as low as 6.74%* |
| 49 – 60 months | Rates as low as 6.74%* |
| 61 – 72 months | Rates as low as 6.74%* |
*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, and collateral. Estimated monthly payment of $19.68 per $1,000 borrowed at 6.74% APR for 60 months.
| ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners 2018 & Newer Other terms & rates available for older collateral, contact a Fox Team Member for more information. | |
|---|---|
| 12 months or less | Rates as low as 7.24% |
| 13 – 24 months | Rates as low as 7.24% |
| 25 – 36 months | Rates as low as 7.24% |
| 37 – 48 months | Rates as low as 7.24% |
| 49 – 60 months | Rates as low as 7.24% |
| 61 – 72 months | Rates as low as 7.24% |
*”As low as APR (Annual Percentage Rate)” is determined by creditworthiness, account relationship, and collateral. Estimated monthly payment of $19.91 per $1,000 borrowed at 7.24% APR for 60 months.
| It’s About Time Homeowners’ Loan |
|---|
| Rates as low as 11.74%* |
| 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 $22.11 per $1,000 borrowed at 11.74% APR for 60 months.
| Unsecured Loans |
|---|
| Rates as low as 12.24%* 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 $22.37 per $1,000 borrowed at 12.24% 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 | |
|---|---|
| 6.74% APR* | Terms up to 60 months |
Estimated monthly payments of $19.68 per $1,000 borrowed a 6.74% 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.5.99
Checking and Savings Rates
For individual depositors as of September 1, 2023*
| Checking Accounts | |||
|---|---|---|---|
| Balance | Annual Percentage Yield | Dividend Rate | |
| Fox Rewards Checking | $5,000.00 & less | 5.00% | 4.89% |
| $5,000.01 & greater | 0.50% | 0.50% | |
The monthly qualifications required to earn these rates are:
| |||
| Fox Free Checking | N/A | N/A | |
| Checking Plus | $500+ | .10% | .10% |
| 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 | |
| Fox Rewards Money Market | ||
| $14,999.99 & Less | 0.10% | 0.10% |
| $15,000 & Greater** | 3.50% | 3.445% |
The monthly qualifications required to earn these rates are:
| ||
| Everyday Money Market No minimum deposit | ||
| $1,000,000+ | 4.00% | 3.93% |
| $500,000-$999,999 | 3.00% | 2.96% |
| $100,000-$499,999 | 2.00% | 1.98% |
| $15,000-$99,999 | 1.00% | 1.00% |
| $100-$14,999 | .50% | .50% |
| Less than $100 | .00% | .00% |
| Jumbo Money Market Minimum balance of $500,000 required to avoid $15 monthly service charge | ||
| $1,000,000+ | 4.00% | 3.930% |
| $500,000 – $999,999 | 3.50% | 3.445% |
| $0 – $499,999 | 0.10% | 0.100% |
**To earn the disclosed APY, you must maintain an average daily balance at least equal to $15,000.00 in your account during each dividend period. In order to earn the disclosed APY, during each dividend period you must: (a) consent to receive your periodic statements electronically; (b) have a valid email address on file with the credit union; (c) have a Fox Rewards Checking Account with the same ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking Account.
| Savings Accounts | ||
|---|---|---|
| Annual Percentage Yield | Dividend Rate | |
| Fox Rewards Savings*** | 2.00% | 1.98% |
The monthly qualifications required to earn these rates are:
If monthly qualification requirements are not met, the dividend rate paid on the entire balance is 0.10%. | ||
| Regular Daily Savings & KA-POW Club Savings | .10% | .10% |
| Holiday 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.
***To earn the disclosed APY, during each dividend period the following requirements must be met: (a) consent to receive periodic
statements electronically; (b) have a valid email address on file with the Credit Union; (c) have a Fox Rewards Checking Account with the
same Ownership type as this Account; and (d) meet all monthly earning requirements for the Fox Rewards Checking Account.
Certificate and IRA Rates
For individual depositors as of September 1, 2023*
| CERTIFICATE SPECIAL! $5,000 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 5 Months** | 5.10% | 5.01% | 150 Days |
| 10 Months** | 5.00% | 4.91% | 180 days |
| 15 Months** | 4.90% | 4.81% | 270 days |
| $2,000 Minimum Balance | |||
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 3 Months | 1.75% | 1.74% | 30 days |
| 6 Months | 2.00% | 1.99% | 90 days |
| $500 Minimum Balance | |||
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 12 Months | 3.00% | 2.97% | 180 days |
| 18 Months | 3.00% | 2.97% | 180 days |
| 24 Months | 2.75% | 2.72% | 270 days |
| 30 Months | 2.75% | 2.72% | 270 days |
| 36 Months | 2.75% | 2.72% | 365 days |
| 48 Months | 2.75% | 2.72% | 365 days |
| 60 Months | 2.75% | 2.72% | 365 days |
| Jumbo Certificates and IRAs $500,000 Minimum Balance | |||
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 6 Months | 5.25% | 5.15% | 180 days |
| 12 Months | 5.15% | 5.05% | 270 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 September 1, 2023*
| 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 | Please inquire about rates. | |
| Savings Accounts | ||
|---|---|---|
| Annual Percentage Yield | Dividend Rate | |
| Regular Business Savings | .10% | .10% |
| CERTIFICATE SPECIAL! $5000 Minimum Balance | |||
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 5 Months** | 5.10% | 5.01% | 150 Days |
| 10 Months** | 5.00% | 4.91% | 180 days |
| 15 Months** | 4.90% | 4.81% | 270 days |
| Certificates $2000 Minimum Balance | |||
|---|---|---|---|
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 3 Months | 1.75% | 1.74% | 30 days |
| 6 Months | 2.00% | 1.99% | 90 days |
| 12 Months | 3.00% | 2.97% | 180 days |
| 24 Months | 2.75% | 2.72% | 270 days |
| Jumbo Certificates and IRAs $500,000 Minimum Balance | |||
| Annual Percentage Yield | Dividend Rate | Early Withdrawal Penalty | |
| 6 Months | 5.25% | 5.15% | 180 days |
| 12 Months | 5.15% | 5.05% | 180 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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