Borrow

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

Share Secured Loans

Student Loans

Credit Cards

Get Where You Need To Go

Vehicle Loans

Your Home Goals Start Here

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 5.25% 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%