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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. Learn more.

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Vehicle Loans

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Home Loans

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Personal Loans

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Share Secured Loans

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Student Loans

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Credit Cards

Auto Loan Rates

Model Year^*	60-Month APR	72-Month APR	84-Month APR
2024 and newer	4.75%	5.25%	5.75%
2023	4.75%	5.25%	N/A
2021 to 2022	5.25%	5.75%	N/A
2017 to 2020	5.75%	6.25%	N/A
2016 or older	6.75%	7.25%	N/A

* The current Annual Percentage Rates for financing are based on the age and value of the collateral and the term of the loan. Additional terms and conditions may apply.

Closed End Home Equity Rates

Home Loans	Term	APR
Closed End 80% LTV and lower	60 months or less	6.00%
Closed End 81% - 90% LTV	60 months or less	6.50%
Closed End 80% LTV and lower	61 - 120 months	6.75%
Closed End 81% - 90% LTV	61 - 120 months	7.25%
Closed End Balloon Note 80% LTV and lower	10-20 yr. ammort. with 5 yr balloon	6.00%
Closed End Balloon Note 81% - 90% LTV	10-20 yr. ammort. with 5 yr balloon	6.50%

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	7.00% variable
Home Equity Line of Credit 81% - 90% LTV	7.50% variable

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

Personal Loan Rates

Personal	APR
Fixed	11.90%
Line of Credit	11.90%
Overdraft Line of Credit	11.90%

Boats, Pontoons, Campers, Motor Homes, Ice Houses, Horse Trailers with Living Quarters Loan Rates

Model Year*	60-Month	72-Month	84-Month	120-Month
2025 or newer	6.25%	6.25%	7.25%	7.25%
2023-2024	6.25%	6.75%	7.25%	7.25%
2022 or older	7.00%	7.50%	8.00%	8.00%

* Financing includes boats, pontoons, motor homes, campers, ice houses, horse trailers with living quarters, and more. The current Annual Percentage Rates for financing are based on the age and value of the collateral and the loan term. Additional terms and conditions may apply.

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	7.00%