Rates

Note: all mortgage rates are effective as of today's date.
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Type: Index Checking*

Required Minimum Opening Deposit Tier Tier Minimum ADB Tier Maximum ADB Dividend Rate APY
$25,000 1 $25,000 $100,000 1.00% 1.00%
$25,000 2 $100,000.01 $1,000,000.00 0.50% 0.50%
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Type: Optimum Checking

Required Minimum Opening Deposit Tier Tier Minimum ADB Tier Maximum ADB Dividend Rate APY
$1,000 0.10% 0.10%

Terms: Annual Percentage Yield (APY) is effective as of February 1, 2017 and is based on the average daily balance (ADB) maintained in the account for Optimum Checking. A $1,000 minimum balance is required for the Optimum Checking to avoid a fee and obtain the stated APY. 

*Annual Percentage Yield (APY) is effective as of February 1, 2017. For Index Checking, the dividend rate used will be based on the account ADB and the dividend rate applicable for only that ADB tier. For example, if the account ADB is $150,000 for the month, the first $100,000 will be paid a dividend at the Tier 1 rate and the second $50,000 will be paid a dividend at the Tier 2 rate. For Index checking, if the average daily balance (ADB) falls below $25,000 or if you do not make ten (10) or more purchases using your Credit Union Debit Card that post to your Index Checking Account each calendar month (excludes ATM transactions), the Dividend Rate and terms for Optimum Checking will apply. A $25,000 minimum balance is required for the Index Checking to avoid a fee and obtain the stated APY. 

Dividend rates are variable and subject to change after the account is opened. Fees may reduce earnings on the account.

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Type: Savings Accounts

Accounts: Regular Shares, Vacation Clubs, Christmas Clubs, Little Gobbler Clubs, Life Savings Shares, IRA Accounts, Secondary Shares, Trust Accounts, Insurance Shares.

Tier Tier Minimum ADB Tier Maximum ADB Dividend Rate APY
1 $200 $5,000 0.10% 0.10%
2 $5,000.01 $20,000 0.15% 0.15%
3 $20,000.01 $50,000 0.20% 0.20%
4 $50,000.01 $100,000 0.25% 0.25%
5 $100,000.01 Above 0.30% 0.30%

Terms: Annual Percentage Yield (APY) is effective as of February 1, 2017 and is based on the average daily balance (ADB) maintained in the account.  No dividend will be paid if the ADB is below $200 for the month.  The minimum balance required to open this Account is $5.00.  The dividend rate may change after the account is opened.  You must maintain an average daily balance of $50.00 in Your Little Gobbler Account each dividend period to obtain the disclosed APY.  Upon Your 18th birthday, Your Account will automatically convert to a Regular Share Account and will be subject to all applicable rates, fees and minimum balance requirements.  Fees may reduce earnings on the account.

New high-yield savings accounts are no longer being opened as of July 1, 2013. The current dividend rate and APY on existing Tier 1 high-yield savings accounts (ADB $200-$4,999) is 0.10%. The current dividend rate and APY on existing Tier 2 high-yield savings accounts (ADB $5,000 and above) is 0.15%.

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

For more information, please call (540) 389-0244.

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Type: Money Market Accounts*

Required Minimum Opening Deposit Tier Tier Minimum ADB Tier Maximum ADB Dividend Rate APY
$5,000 1 $5,000 $24,999.99 0.20% 0.20%
$5,000 2 $25,000 $49,999.99 0.35% 0.35%
$5,000 3 $50,000 $99,999.99 0.50% 0.50%
$5,000 4 $100,000+   0.65% 0.65%

Terms: Annual Percentage Yield (APY) is effective as of February 1, 2017 and is based on the average daily balance (ADB) maintained in the account.  The minimum balance required to open this Account and to avoid a fee is $5,000.  If the ADB in your Money Market Account falls below $5,000, the Dividend Rate and APY for the Optimum Checking account type will be used.  Dividend rates may change after the account is opened.  Fees may reduce earnings on the account. 

New high-yield savings accounts are no longer being opened as of July 1, 2013. The current dividend rate and APY on existing Tier 1 high-yield savings accounts (ADB $200-$4,999) is 0.10%. The current dividend rate and APY on existing Tier 2 high-yield savings accounts (ADB $5,000 and above) is 0.15%.

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

For more information, please call (540) 389-0244.

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Type: Home Equity Loans

APR As Low As* Loan Terms and Features
3.75% Fixed rate. Loans up to 90% of available equity. Up to 180 months to repay.

*APR = Annual Percentage Rate. APRs are effective as of February 1, 2017, and are subject to change without notice.  Rates may vary depending upon credit qualifications, selected terms and applicable discounts. Rates are fixed unless otherwise stated. A payment example for a consumer who finances $10,000 at a term of 60 months and at an annual percentage rate of 3.75% would result in a 60 payments of $183.04.  A consumer who finances $10,000 at a term of 180 months and at an annual percentage rate of 4.52% would result in 180 payments of $76.51. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. The minimum loan amount is $5,000. The maximum loan amount is $417,000 for 1st liens and $250,000 for 2nd liens. The loan-to-value ratio can be up to 90%.

Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions. Consult your tax adviser for further information regarding the deductibility of interest and charges. Home Equity Loans are subject to credit approval, verification and collateral evaluation. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Home Equity Line of Credit

APR As Low As* Loan Terms and Features
3.75% Variable Rate. Loans up to 90% of available equity. Up to 240 months to repay

*APR = Annual Percentage Rate is a variable rate and subject to increase after consummation. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1% margin for the life of loan.  APRs are effective as of December 15, 2016. The current Prime Rate, as of December 15, 2016, is 3.75%. The APR is variable and may change at any time. The maximum APR that can apply is 18%; minimum APR is 3.75%. Actual rates may vary depending upon credit qualifications, selected terms and applicable discounts. Closing costs generally range from $0.00 to $2,500.The minimum loan amount is $5,000. The maximum loan amount is $300,000 for 1st liens and $150,000 for 2nd liens. The loan-to-value ratio can be up to 90%.

Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Your regular payment will equal the amount of accrued finance charges with a minimum monthly payment of $100. You will make 240 of these payments. You will then be required to pay the entire balance owing in a single balloon payment at the end of the 20 years.  Other rates and terms are available.  Home Equity Lines are subject to credit approval, verification and collateral evaluation. Consult a tax adviser for further information regarding the deductibility of interest and charges. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: EquityFlex Home Loans

APR As Low As* Loan Terms and Features
4.75% Variable Rate. Loans up to 90% of available equity. Up to 240 months to repay.

*APR= Annual Percentage Rate is a variable rate and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1% margin for the life of loan.  The current Prime Rate, as of December 15, 2016, is 3.75%. A payment example for a consumer who finances $10,000 at 4.752% APR with an initial monthly principal and interest payment of $77.79 for the first 60 months. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. Actual rates may vary depending upon credit qualifications, selected terms and applicable discounts.  The minimum amount is $5,000. The maximum loan amount is $417,000 for 1st liens and $250,000 for 2nd liens. The loan-to-value ratio can be up to 90%.

Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions.  Equity Flex Loans are subject to credit approval, verification and collateral evaluation. Consult a tax adviser for further information regarding the deductibility of interest and charges.  Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Auto, Motorcycle, RV

APR As Low As* Loan Terms and Features
1.99% Model years and mileage limits may apply. Up to 72 months to repay.

*APR = Annual Percentage Rate. Rates are valid as of February 1, 2017, and may vary depending upon credit qualifications, selected terms and applicable discounts. All rates are fixed unless otherwise indicated. An estimated monthly payment of $327 would result for a loan amount of $20,000 at 5.49% for 72 months.  Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Secured Personal Loans

APR As Low As* Loan Terms and Features
4.75% Autos, RVs, Motorcycles, etc. Multiple rate discounts may apply. Up to 60 months to repay.

*APR = Annual Percentage Rate. Rates are valid as of February 1, 2017, and may vary depending upon credit qualifications, selected terms and applicable discounts. All rates are fixed unless otherwise indicated. An estimated monthly payment of $316 would result for a loan amount of $12,000 at 11.99% for 36 months.  Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Unsecured Personal Loans

APR As Low As* Loan Terms and Features
7.00% No collateral required. Multiple rate discounts may apply. Up to 36 months to repay.

*APR = Annual Percentage Rate. Rates are valid as of February 1, 2017, and may vary depending upon credit qualifications, selected terms and applicable discounts. All rates are fixed unless otherwise indicated. An estimated monthly payment of $262 would result for a loan amount of $8,000 at 10.99% for 36 months.  Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Overdraft Protection Loans

APR As Low As* Loan Terms and Features
16.25% May clear NSF checks and save returned check charges.

*APR = Annual Percentage Rate. APRs are effective as of February 1, 2017, and are subject to change without notice.  Loans are subject to normal credit approval.   Interest will accrue beginning on the transaction date. You only pay finance charges on the amount you borrowed. The finance charge is determined by multiplying the unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. No annual fee or prepayment penalty. Late Payment fee is the greater of 5.00% of the payment due or $10.00 after 9 days.  Refer to account agreement additional charges and features. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.

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Type: Fast Forward Home Equity Line of Credit

APR As Low As* Loan Terms and Features
3.75% Variable Rate. Loans up to 85% of available equity. Up to 240 months to repay

*APR = Annual Percentage Rate. Fast Forward HELOC APRs are variable and indexed to the Prime Rate as published in the money rate table of the Wall Street Journal + a margin for the life of the loan. Prime Rate as of 12/15/2016 is 3.75%. Our current lowest Annual Percentage Rate as of 12/15/2016 is 3.75% APR, which includes + 0.00 margin. The APR is subject to change. Your actual rates may vary, depending upon credit history, loan amount and term, loan to value ratio, and other factors. The maximum APR that may be imposed is 18%. Maximum loan-to-value is 85%. The minimum loan amount is $10,000 and the maximum loan amount is $100,000. The term is up to 240 months. Zero closing costs depends on creditworthiness and eligibility. Membership with Freedom First is a requirement for this offer. Property insurance, if applicable must be in effect on the property being secured and the said property must be in the FFCU membership area. The property must be owner occupied and cannot be in a flood zone. A clear title is required. Please consult a tax adviser for further information regarding the deductibility of interest. This offer not available for refinances of existing Freedom First Credit Union Home Equity Lines of Credit. All credit union loan programs, rates, term and conditions are subject to change at any time without notice. Contact a Freedom First Credit Union representative at (540) 389-0244 for complete details

 

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Type: Share Certificates

Annual Percentage Yield (APY) is effective as of February 1, 2017 and is based on the dollar amount and the term invested.  Substantial penalty for early withdrawal. Members are limited to $1,000,000 in Share Certificate balances, without prior approval.  Rates are subject to change without notice. IRAs are also subject to limitations and/or penalties imposed by the IRS. Please see a tax advisor for additional information.

6 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.25% 0.25%
$2,500 $9,999 0.25% 0.25%
$10,000 Above 0.25% 0.25%

12 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.45% 0.45%
$2,500 $9,999 0.45% 0.45%
$10,000 Above 0.45% 0.45%

24 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.55% 0.55%
$2,500 $9,999 0.55% 0.55%
$10,000 Above 0.55% 0.55%

36 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.95% 0.95%
$2,500 $9,999 0.95% 0.95%
$10,000 Above 0.95% 0.95%

48 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 1.00% 1.00%
$2,500 $9,999 1.00% 1.00%
$10,000 Above 1.00% 1.00%

60 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 1.49% 1.50%
$2,500 $9,999 1.49% 1.50%
$10,000 Above 1.49% 1.50%

 

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Type: VISA Rate

APR* for Purchases APR for Balance Transfers APR for Cash Advances
8.49 - 18.00% 8.49 - 18.00% 11.74 - 18.00%

*APR is annual percentage rate. Your APR will vary with the market based on the Prime Rate.

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Type: VISA Rewards

APR* for Purchases APR for Balance Transfers APR for Cash Advances
10.49 - 18.00% 10.49 - 18.00% 13.74 - 18.00%

*APR is annual percentage rate. Your APR will vary with the market based on the Prime Rate.

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Type: 30 Year Fixed Rate

Rate APR Points
4.125% 4.268% .859
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Type: 15 Year Fixed Rate

Rate APR Points
3.375% 3.602% .718
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Type: FHA 30 Year Fixed Rate

Rate APR Points
3.5% 4.285% .438