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Members are able to get a new car or truck, purchase a home, pay for educational expenses, and do much more with a loan from Federated Employees Credit Union. With our focus on people over profit, we offer competitive interest rates and flexible terms to help you finance your life in a way that works for you.
 

Resources

  • eZCardInfo - FECU VISA® credit card online for up-to-date account information, to pay your bill, or access statements.
  • Members Choice Disability Insurance - There is no way anyone can predict a total disability due to injury or a medical-related illness but the MEMBER'S CHOICE® Credit Disability Insurance can help pay your loan if the unforeseen were to happen.
  • Annual Credit Report - Get your free annual credit report from all three credit bureaus.
  • My Credit Union - NCUA's free consumer website.
  • Federated Insurance® Personal Lines - Discover how Minnesota residents can protect their auto or home with insurance coverage from Federated Mutual Insurance Company.
  • Federated Challenge® - FECU will donate $1 for every funded loan to support the Federated Challenge.

NOTE: Federated Employees Credit Union provides third party links for your convenience. We are not responsible for the content or security on third party sites.

Personal Loans

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Student Loans

Credit Cards

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Vehicle Loans

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Home Loans

Closed End Home Equity Rates

 Home Loans Term APR
Closed End 80% LTV and lower 60 months or less 4.50-5.00%
Closed End 81% - 90% LTV 60 months or less 5.00-5.50%
Closed End 80% LTV and lower 61 - 120 months 5.50-6.00%
Closed End 81% - 90% LTV 61 - 120 months 6.00-6.50%
Closed End Balloon Note 80% LTV and lower 10-20 yr. ammort. with 5 yr balloon 4.50-5.00%
Closed End Balloon Note 81% - 90% LTV 10-20 yr. ammort. with 5 yr balloon 5.00-5.50%

Available to Minnesota, Arizona, Indiana, Georgia, Kansas, and Missouri Residents

Home Equity Line of Credit Rates

Home Equity APR
Home Equity Line of Credit 80% LTV and lower 4.00% variable
Home Equity Line of Credit 81% - 90% LTV 5.00% variable

Available to Minnesota, Arizona, Indiana, Georgia, Kansas, and Missouri Residents

Home Improvement Loan Rates

Home Improvement Term APR
Home Improvement Secured* 7.50-8.00%
Home Improvement Unsecured 8.75-9.25%

Available to Minnesota, Arizona, Indiana, Georgia, Kansas, and Missouri Residents

Auto Loan Rates

Auto APR
Auto Loans (2019 and newer) 2.25-2.75%
Auto Loans (2016 to 2018) 2.75-3.25%
Auto Loans (2013 to 2015) 3.50-4.00%
Auto Loans (2012 and older) 4.50-5.00%

Recreational Vehicle Loan Rates

Recreational Vehicles * APR
Rec Vehicles (2019 and newer) 3.00-3.50%
Rec Vehicles (2016 to 2018) 3.50-4.00%
Rec Vehicles (2013 and 2015) 4.00-4.50%
Rec Vehicles (2012 and older) 5.00-5.50%
Other Securities 5.25-5.75%

* Motorcycles, Boats, Campers, ATV, Jet Skis, Snowmobiles, etc. 

Personal Loan Rates

Personal APR
Fixed 9.90%
Line of Credit 9.90%

Share Secured Loan Rates

Share Secured APR
Term Share Certificates Current rate earned on Term Share Certificate being used as collateral plus 2.00%

Student Loan Rates

Student APR
Variable, Unsecured 4.00%