Rates

All rates and terms on the FECU website are effective as of 01/01/2026.

Yield and Rates subject to change. Fees or other conditions could reduce the earnings on the account. Term of loans may vary based on age of collateral and applicant's credit history. Additional terms and conditions may apply. APR = Annual Percentage Rate.

For the most current mortgage rates, go to the Mortgage Toolbox . An example of a 5-year fixed rate home equity loan monthly payment at the quoted rate would be 60 monthly payments of $380.00 on a $20,000 loan. For the variable rate home equity line of credit, the APR will vary based on the Prime Rate index as published in the Wall Street Journal. Home mortgage services are provided by The Servion Group (NMLS 1037), a third party wholly independent from FECU. Home mortgages are not available in Alaska, Arizona, Hawaii, Massachusetts, Nevada, New York, Rhode Island, U.S. Virgin Islands, Vermont, Virginia, and Washington DC.

Saving Account Rates

Savings Accounts	Dividend Rate	APY
Primary Share	0.85%	0.85%
Choice Savings	0.85%	0.85%

Dividends are compounded and paid monthly. The Primary Share begins earning dividends once you reach a minimum balance of $25.

Checking Account Rates

Checking Accounts	Dividend Rate	APY
Checking	0.10%	0.10%

Dividends are compounded and paid monthly.

Personal Loan Rates

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

Closed End Home Equity Rates

Home Loans	Term	APR
Closed End 80% LTV and lower	60 months or less	5.25%
Closed End 81% - 90% LTV	60 months or less	5.75%
Closed End 80% LTV and lower	61 - 120 months	6.00%
Closed End 81% - 90% LTV	61 - 120 months	6.50%
Closed End Balloon Note 80% LTV and lower	10-20 yr. ammort. with 5 yr balloon	5.25%
Closed End Balloon Note 81% - 90% LTV	10-20 yr. ammort. with 5 yr balloon	5.75%

Available to Minnesota, Arizona, Indiana, Georgia, Kansas, and Missouri Residents. Equity is determined by FECU.

Home Equity Line of Credit Rates

Home Equity	APR
Home Equity Line of Credit 80% LTV and lower	6.25% variable
Home Equity Line of Credit 81% - 90% LTV	6.75% variable

Available to Minnesota, Arizona, Indiana, Georgia, Kansas, and Missouri Residents. Equity is determined by FECU.

Motorcycle, Snowmobile, ATV/UTV, Personal Water Craft Loan Rates

Model Year	APR
2024 or newer	6.25%
2023 or older	7.00%

Financing includes motorcycles, snowmobiles, jet skis, ATVs/UTVs, and more. 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.

Auto Loan Rates

Model Year	60-Month APR	72-Month APR	84-Month APR
2025 and newer	4.50%	4.75%	5.50%
2024	4.75%	5.00%	N/A
2022 to 2023	5.00%	5.50%	N/A
2018 to 2021	5.50%	6.00%	N/A
2017 or older	6.50%	7.00%	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.

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

Model Year	60-Month	72-Month	84-Month	120-Month
2026 or newer	6.25%	6.25%	7.25%	7.25%
2024-2025	6.25%	6.75%	7.25%	7.25%
2023 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.

Term Share Certificates

Certificate Term	Dividend Rate	APY
3 months	3.25%	3.29%
6 months	3.60%	3.65%
12 months	3.50%	3.55%
24 months	3.40%	3.44%
36 months	3.45%	3.49%
48 months	3.50%	3.55%
60 months	3.55%	3.60%
$ave-N-Grow - 9 months	3.55%	3.60%

Dividends are compounded and paid quarterly. Minimum balance to open is $100 for the Kids Club certificate and $1,000 for all others. There is an early withdrawal penalty. There is a 10 day grace period at the end of the term during which you can withdraw your money without penalty.

Money Market Rates

Money Market	Dividend Rate	APY
$2,499.99 or less	0.85%	0.85%
$2,500 - $9,999.99	1.50%	1.51%
$10,000 - $24,999.99	1.90%	1.92%
$25,000 - $49,999.99	2.25%	2.27%
$50,000 - $74,999.99	2.50%	2.53%
$75,000 or more	2.75%	2.79%

Dividends are compounded and paid monthly. You can with draw 3 times per month, minimum of $500 and there is a $15 fee for each additional withdrawal.

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	6.25%

The variable Annual Percentage Rate (APR) is based on the Prime Rate index as published in the Wall Street Journal.

Other Securities

Some Restrictions May Apply	APR
Tractors, Garden Tractors, Utility Trailers, and Other Equipment	8.00%

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.