Current Loan Rates 
 
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Vehicle Loans

Cars, Trucks, Vans, SUVs & Motorcycles
Effective Date: Thursday, November 15th, 2018
YearMaximum TermDirect Deposit APR* Member Rewards APR*Standard APR*
Any Year 4 years 3.99% 3.99% 3.99%
Any Year 5-7 years** 4.49% 4.49% 4.49%

* APR = Annual Percentage Rate
**To qualified members. May require 10% down payment excluding dealer rebates and incentives.

Boats, RVs, Campers
Effective Date: Thursday, November 15th, 2018
YearMaximum TermDirect Deposit or Membership Reward APR*Member Rewards APR*Standard APR*
Any Year 4 years 3.99% 3.99% 3.99%
Any Year 5-7 years** 4.49% 4.49% 4.49%

*APR = Annual Percentage Rate
**To qualified members. ( 7-12 year terms available for amounts over $10,000. May require 10% down payment excluding dealer rebates and incentives.)


Mortgage Rates

First Mortgage Loans and Home Equity Loans
Effective Date: Thursday, November 15th, 2018
ProductDirect Deposit or Membership Reward APR*Member Rewards APR*Standard APR*
5-Year Fixed 3.49% 3.49% 3.49%
7-Year Fixed 3.74% 3.74% 3.74%
10-Year Fixed
3.99% 3.99% 3.99%
15-Year Fixed 4.25% 4.25% 4.25%
20-Year Fixed 4.50% 4.50% 4.50%
All Fixed Rate Loans listed above are non-purchase closed-end loans, there are no advance capabilities.  Payments on the 5-Year and 7-Year Loans can be amortized up to 30 Years and rates listed are for new loans only.  Refinances of existing FME loans may be different rates and closing costs and origination fees could also apply. Rental properties have different rates, terms, requirements and closing costs may apply, call for details.  The 15-Year and 20-Year Fixed Rate Loans are first position loans only. Additional restrictions could apply, rates are subject to change.
Member Advantage Line-of-Credit 5.00% 5.00% 5.00%
Line-of-Credit Equity rate listed above is a variable rate loan, adjusted quarterly to the PRIME RATE as stated 10 days prior to the end of the quarter in the Wall Street Journal.  The maximum Annual Percentage Rate (APR) that can apply is 16.0% or the maximum permitted by law, whichever is less.  Draw period for advance capabilities is 5 years, up to approved limit and minimum advances are $300.00.

First Mortgage Loans
Effective Date: Thursday, November 15th, 2018
Non-Purchase Money
ProductMember Rewards APR*Standard APR*
15-Year Fixed Rate Mortgage 4.25% 4.25%
20-Year Fixed Rate Mortgage 4.50% 4.50%

*To qualified members. Some restrictions apply. Closing costs may be assessed if refinancing existing FME FCU Mortgage/Home Equity Loans. Rates and terms subject to change. Non-purchase money only.


Personal Loans

Unsecured Signature Loan
Effective Date: Thursday, November 15th, 2018
Loan Amounts from $500 to $15,000
TermRate
12 months 11.00% APR
24 months 12.00% APR
36- 48 months 15.00% APR

Insta-Loan Credit Line
Effective Date: Thursday, November 15th, 2018
Credit Limits from $500 to $15,000
Standard APR*Direct Deposit or Membership Reward APR*
13.90% 9.90%

Insta-Loan Credit Line (Copy)
Effective Date: Thursday, November 15th, 2018
Credit Limits from $500 to $15,000
Direct Deposit or Membership Reward APR*Member Rewards APR*Standard APR*
9.90% 9.90% 13.90%

Comaker Secured Signature Loan
Effective Date: Thursday, November 15th, 2018
Loan Amounts from $500 to $15,000
TermRate
48 months 18.00%

 


NMLS# 808257

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