Rates











Loans | Savings | Certificates

SWAP & INTEREST RATE DROP
Car/Truck Loans as low as 1.99% APR* through 9/30/2017 when you
refinance your existing loan from another financial institution.
See our Newsletter for more details.


- Motorcycle/ATV/UTV and RV Loans as low as 4.74% APR*
Vehicle Loan Rates for refinances from another lender, for new/used vehicle purchases or to borrow up to the NADA Retail Value of your paid off vehicle for quick money.
Guaranteed Asset Protection (GAP) Coverage is available on most vehicle loans.

                        New and Used Vehicle Guides      Vehicle Reports (fees may apply)

- Fixed Rate, Closed-End Home Equity Loans as low as 3.74% APR*

Pay off an existing higher rate loan that you have with another financial institution with the possibility of borrowing additional funds or lowering your payment, or take out a new loan!

 

LOANS APR*+  
SWAP AND DROP New and Used Car/Truck Loans as low as 1.99% APR*  
Refinance a 2010 or newer model from another financial institution for the remaining term of the existing loan up to a maximum of 84 months.  See the Newsletter for more details.
   
CAR/TRUCK:  Never titled: 100% of market value; Previously titled: 100% of retail value    

     2010 and newer models - up to 3 year term

1.99 Calculator

     2016 and newer models - over 3 year, up to 6 year term

2.74 Calculator
     2015 models - over 3 year, up to 5 year term  2.74 Calculator
     2014 models - over 3 year, up to 4 year term 2.74 Calculator
VEHICLE: Collectible, Luxury & Exotic:  100% of "good" market value as listed in Black Book® CPI® publication - up to 5 year term 2.74 Calculator
MOTORCYCLE/ATV/UTV:  Never titled: 100% of market value; Previously titled: 100% of retail value    

     2016 and newer models - up to 6 year term

4.74 Calculator
     2015 models - up to 5 year term 4.74 Calculator
     2014 models - up to 4 year term 4.74 Calculator

     2010-2013 models - up to 3 year term

4.74 Calculator
RECREATIONAL VEHICLE:  Never titled: 100% of market value; Previously titled: 100% of retail value    

     2016 and newer models - up to 10 year term

4.74 Calculator 

     2015 models - up to 9 year term

4.74 Calculator

     2014 models - up to 8 year term

4.74 Calculator 

     2013 models - up to 7 year term

4.74 Calculator

     2012 models - up to 6 year term

4.74 Calculator
**HOME EQUITY Fixed Rate, Closed-End (80% of value less encumbrances/liens)    
     - up to 5 year term 3.74 Calculator
     - over 5 year, up to 10 year term 4.49 Calculator
     - over 10 year, up to 15 year term 5.24 Calculator
**HOME EQUITY Fixed Rate, Closed-End (90% of value less encumbrances/liens)    
     - up to 5 year term 4.24 Calculator
     - over 5 year, up to 10 year term 5.24 Calculator
     - over 10 year, up to 15 year term 5.99 Calculator
**HOME EQUITY Line of Credit, Fixed Rate - up to 15 year term    
     - 80% of value less encumbrances/liens 7.75 Calculator
     - 90% of value less encumbrances/liens 8.25 Calculator
**HOME EQUITY Line of Credit, Variable Rate 
     - 80% of value less encumbrances/liens - up to 15 year term~
5.00 Calculator
SIGNATURE (Unsecured)    
     - up to 1 year term 7.24 Calculator
     - over 1 year, up to 4 year term 9.24 Calculator
     - over 4 year, up to 5 year term 9.49 Calculator
SHARE SECURED - up to 5 year term 2.99 Calculator
SHARE CERTIFICATE - 2.5% over the certificate rate for the same remaining term   Calculator
VISA CREDIT CARD WITH SCORECARD® REWARD BONUS POINTS on Purchases
No Annual Fee or Balance Transfer Fee or Cash Advance Fee
Purchases and Cash Advances at 8.90% APR*
8.90 Calculator

 

+These loan Annual Percentage Rates reflect a 0.50% APR* reduction for making loan payments by direct deposit.
Does not apply to Visa Credit Card accounts.  Your rate will increase 0.50% APR* if you discontinue direct deposit payments.)

+ To calculate the loan payment amount, increase the loan rates listed above by 0.50% APR*.  These increased rates apply to the payment amount however, interest is charged at the loan rates listed above.

On loans listed above, certain restrictions may apply.  Rates subject to change without notice.



Home Equity Loan Information:
~Rate on the Variable Rate Home Equity Line of Credit Loan is the 3 month Treasury Bill + 3.5%
~Adjustments to the Annual Percentage Rate (APR) on the Variable Rate Home Equity Line of Credit Loan will take effect quarterly on the first day of January, April, July and October.
~The APR on the Home Equity Variable Rate Line of Credit Loan will never be more than 6% above the initial APR and never lower than 5%.
 

**Existing FIRSTENERGY CHOICE Federal CU closed-end home equity loans and home equity line of credit loans may be refinanced with additional new money of at least $5,000 over the outstanding loan balance at the date the loan application is received.  If new money is $10,000 or more, the Credit Union will waive $480 of the settlement fees.  If new money is less than $10,000, settlement fees will be charged.  Member will be charged for fees incurred by the Credit union when applying for a home equity loan within three months of closing another home equity loan on the same property at the Credit Union. 

*APR - Annual Percentage Rate

Go To Loan Application | Go To Calculators | Back to Top

 

SAVINGS  (Rates Are Effective 4/1/2017) Dividend Rate APY*
SHARE SAVINGS $25 Minimum Balance 0.100 0.100
CHRISTMAS CLUB 0.100 0.100
IRA SAVINGS 0.250 0.250

 *APY = Annual Percentage Yield
Back to Top
 

CERTIFICATES  (Rates reviewed Wednesdays) Dividend Rate APY* Term in Months Minimum Deposit
Share Certificate or IRA Certificate 0.100 0.100 3 500.00
Share Certificate or IRA Certificate 0.100 0.100 6 500.00
Share Certificate or IRA Certificate 0.450 0.450 12 500.00
Share Certificate or IRA Certificate 0.500 0.500 24 500.00
Share Certificate or IRA Certificate 0.550 0.550 36 500.00
Share Certificate or IRA Certificate 0.700 0.700 48 500.00
Share Certificate or IRA Certificate 0.900 0.900 60 500.00

*APY = Annual Percentage Yield

 A penalty will be imposed for early withdrawal of certificates.  Your certificate will automatically renew at the rate in effect at the date of maturity and for the same term as the original term unless you contact us on or before the maturity date.  You will receive notice of your upcoming maturity approximately one month before the maturity date.

Back to Top

 

[ Home | Home Banking | Applications | Loan Flyer/Newsletter | Online Services | Rates | Products | Services | About Us | Contact Us | Privacy Policy/Disclosures ]

 


Privacy Policy
 
Design & Hosting by Harland Financial Solutions, Inc.

Browser Requirements
Copyright D+H All Rights Reserved.