{"id":12,"date":"2018-04-11T08:10:00","date_gmt":"2018-04-11T13:10:00","guid":{"rendered":"http:\/\/formationcu.com\/?page_id=12"},"modified":"2026-07-01T14:35:58","modified_gmt":"2026-07-01T19:35:58","slug":"rates","status":"publish","type":"page","link":"https:\/\/formationcu.com\/?page_id=12","title":{"rendered":"Rates"},"content":{"rendered":"
[vc_row el_id=”loan-rates”][vc_column][vc_custom_heading text=”Loan Rates” font_container=”tag:h2|font_size:32px|text_align:left” use_theme_fonts=”yes” css=”.vc_custom_1525282802114{border-bottom-width: 1px !important;padding-bottom: 10px !important;border-bottom-color: #e2e2e2 !important;border-bottom-style: solid !important;}”][vc_column_text css=””]*Rates effective February 15, 2026<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text]\n

Auto Loans<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n\n\n\n\n\n\n\n\n\n
New and Used Autos<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/tbody>\n
up to 3 years (36 months)<\/td>\n5.50%<\/td>\n<\/tr>\n
up to 4 years (48 months)<\/td>\n5.75%<\/td>\n<\/tr>\n
up to 5 years (60 months)<\/td>\n5.75%<\/td>\n<\/tr>\n
up to 6 years (72 months)<\/td>\n6.25%<\/td>\n<\/tr>\n
up to 7 years (84 months)<\/td>\n6.55%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

Recreational Vehicles<\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n\n\n\n\n\n\n\n\n
New and Used<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/thead>\n
up to 6 years (72 months)<\/td>\n8.00%<\/td>\n<\/tr>\n
up to 7 years (84 months)<\/td>\n8.50%<\/td>\n<\/tr>\n
up to 8 years (96 months)<\/td>\n9.25%<\/td>\n<\/tr>\n
up to 10 years (120 months)<\/td>\n10.25%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text]\n

Real Estate Loans<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n\n\n\n\n\n\n\n\n
<\/th>\n<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/thead>\n
First Mortgage<\/td>\nup to 30 years; up to 100% financing<\/td>\nClick Here<\/a><\/td>\n<\/tr>\n
Second Mortgage<\/td>\nup to 15 years; up to 80% financing<\/td>\nCall<\/a><\/td>\n<\/tr>\n
Home Equity Line of Credit<\/td>\nup to 15 years; up to 80% financing<\/td>\nCall<\/a><\/td>\n<\/tr>\n
Land Loans<\/td>\nup to 15 years; up to 90% financing<\/td>\nCall<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

Visa Credit Cards<\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n\n\n\n\n\n
Visa Credit Cards<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/thead>\n
Visa Rewards Credit Card<\/td>\n8.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text]\n

Consumer Loans<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n\n\n\n\n\n\n\n\n
<\/th>\n<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/thead>\n
Personal Loans<\/td>\nup to 5 years (60 months)<\/td>\n10.50%<\/td>\n<\/tr>\n
Education Loans<\/td>\nup to 1 year (12 months)<\/td>\n7.50%<\/td>\n<\/tr>\n
Education Loans<\/td>\nup to 2 years (24 months)<\/td>\n7.75%<\/td>\n<\/tr>\n
Revolving Loans<\/td>\n<\/td>\n11.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

Deposit Secured Loans<\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n\n\n\n\n\n\n\n\n
<\/th>\n<\/th>\nAPR as low as<\/th>\n<\/tr>\n<\/thead>\n
Shared Secured<\/td>\n<\/td>\n3.00%<\/td>\n<\/tr>\n
Certificate Secured<\/td>\nup to 3 years (36 months)<\/td>\n2.00% over certificate rate<\/td>\n<\/tr>\n
Certificate Secured<\/td>\nup to 6 years (72 months)<\/td>\n3.00% over certificate rate<\/td>\n<\/tr>\n
Certificate Secured<\/td>\nup to 10 years (120 months)<\/td>\n4.00% over certificate rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]APR is annual percentage rate. Rates subject to change. Additional terms and conditions may apply. Qualified borrowers. New money only. Max rate is 18.00%. Loan rates will be adjusted on individual credit profiles.\u00a0<\/em><\/span><\/p>\n

Call our Mortgage Center or Loan Department for more information at\u00a0<\/em><\/strong>(225) 292-8910<\/a> or toll free at (800) 375-2760<\/a><\/em><\/strong><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1578523179212{margin-top: 40px !important;}” el_id=”deposit-rates”][vc_column][vc_custom_heading text=”Deposit Rates” font_container=”tag:h2|font_size:32px|text_align:left” use_theme_fonts=”yes” css=”.vc_custom_1525283843377{border-bottom-width: 1px !important;padding-bottom: 10px !important;border-bottom-color: #e2e2e2 !important;border-bottom-style: solid !important;}”][vc_column_text css=””]*Rates effective May 1, 2026<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” equal_height=”yes”][vc_column width=”1\/2″][vc_column_text]\n

Savings Accounts<\/span><\/h2>\n[\/vc_column_text][vc_empty_space height=”45px”][vc_column_text]\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nMin balance to earn dividends<\/th>\nCompound method<\/th>\nAPY as high as<\/th>\n<\/tr>\n<\/thead>\n
Regular Savings (S1)<\/td>\n$100<\/td>\n1<\/td>\n0.20%<\/td>\n<\/tr>\n
Minor Savings (S5, S6)<\/td>\n$100<\/td>\n1<\/td>\n0.20%<\/td>\n<\/tr>\n
Super Savings (S21)<\/td>\n$25,000<\/td>\n1<\/td>\n0.42%<\/td>\n<\/tr>\n
<\/td>\n$10,000<\/td>\n1<\/td>\n0.31%<\/td>\n<\/tr>\n
<\/td>\n$2,500<\/td>\n1<\/td>\n0.25%<\/td>\n<\/tr>\n
Christmas Club Savings (S18)<\/td>\n$0.01<\/td>\n1<\/td>\n0.20%<\/td>\n<\/tr>\n
Other Club Savings (S17)<\/td>\n$0.01<\/td>\n1<\/td>\n0.20%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

Checking Accounts<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]*New balance and APY for Dividends Checking effective March 1, 2026<\/p>\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nMin balance to earn dividends<\/th>\nCompound method<\/th>\nAPY as high as<\/th>\n<\/tr>\n<\/thead>\n
Dividends Checking (S11)<\/td>\n$50,001<\/td>\n1<\/td>\n0.25%<\/td>\n<\/tr>\n
<\/td>\n$15,000<\/td>\n1<\/td>\n0.50%<\/td>\n<\/tr>\n
<\/td>\n$1,500<\/td>\n1<\/td>\n1.00%<\/td>\n<\/tr>\n
<\/td>\n$0.01<\/td>\n1<\/td>\n0.25%<\/td>\n<\/tr>\n
Simply FREE Checking (S13)<\/td>\nN\/A<\/td>\n1<\/td>\nN\/A<\/td>\n<\/tr>\n
Teen Checking<\/td>\nN\/A<\/td>\n1<\/td>\nN\/A<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text]\n

Share Certificates<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nMin balance to earn dividends<\/th>\nCompound method<\/th>\nAPY as high as<\/th>\n<\/tr>\n<\/thead>\n
4 Years (48 months)<\/td>\n$500<\/td>\n4<\/td>\n\u00a02.50%<\/td>\n<\/tr>\n
3 Years (36 months)<\/td>\n$500<\/td>\n4<\/td>\n\u00a02.75%<\/td>\n<\/tr>\n
2 Years (24 months)<\/td>\n$500<\/td>\n4<\/td>\n\u00a03.00%<\/td>\n<\/tr>\n
1 Year (12 months)<\/td>\n$500<\/td>\n4<\/td>\n\u00a03.25%<\/td>\n<\/tr>\n
6 months<\/td>\n$500<\/td>\n3<\/td>\n3.00%<\/td>\n<\/tr>\n
3 months<\/td>\n$500<\/td>\n2<\/td>\n2.75%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\n

IRA (Individual Retirement Accounts)<\/span><\/h2>\n[\/vc_column_text][vc_column_text css=””]\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nMin balance to earn dividends<\/th>\nCompound method<\/th>\nAPY as high as<\/th>\n<\/tr>\n<\/thead>\n
5 Years (60 months)<\/td>\n$500<\/td>\n5<\/td>\n3.00%<\/td>\n<\/tr>\n
4 Years (48 months)<\/td>\n$500<\/td>\n5<\/td>\n3.00%<\/td>\n<\/tr>\n
3 Years (36 months)<\/td>\n$500<\/td>\n5<\/td>\n3.25%<\/td>\n<\/tr>\n
2 Years (24 months)<\/td>\n$500<\/td>\n5<\/td>\n3.50%<\/td>\n<\/tr>\n
1 Year (12 months)<\/td>\n$500<\/td>\n5<\/td>\n3.75%<\/td>\n<\/tr>\n
Variable<\/td>\nN\/A<\/td>\n1<\/td>\n1.50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]APY is Annual Percentage Yield.<\/p>\n

 <\/p>\n

Rates subject to change.<\/p>\n

 <\/p>\n

CMP is Compounding Method:<\/strong><\/p>\n

    \n
  1. Calculated daily, paid quarterly<\/li>\n
  2. Calculated daily, paid at maturity<\/li>\n
  3. Calculated daily, paid at maturity, or monthly and transferred to savings or checking account<\/li>\n
  4. Calculated daily, paid monthly & transferred to savings\/checking account, or paid quarterly & added to certificate<\/li>\n
  5. Calculated daily, paid quarterly to certificate<\/li>\n<\/ol>\n

     <\/p>\n

    Early Withdrawals from Certificates:<\/strong><\/p>\n

      \n
    • Early withdrawal on all share certificates with a maturity date 1 year and less will result in loss of dividends for 90 days or all dividends earned, whichever is less.<\/li>\n
    • Early withdrawal for share certificates with a maturity date over 1 year will result in loss of dividends for 180 days or all dividends earned, whichever is less.<\/li>\n<\/ul>\n

       <\/p>\n

      Super Savings Accounts:<\/strong><\/p>\n

        \n
      • Minimum balance of $2,500 is required to open a Super Savings Account. Dividends are earned on all balances.<\/li>\n
      • Deposits must be made in increments of $250 or more and withdrawals must be made in increments of $500 or more.<\/li>\n<\/ul>\n

         <\/p>\n

        Christmas Club Accounts:<\/strong><\/p>\n

        Christmas Club balances are auto transferred to your savings account on November 1st<\/sup> of each year[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"

        [vc_row el_id=”loan-rates”][vc_column][vc_custom_heading text=”Loan Rates” font_container=”tag:h2|font_size:32px|text_align:left” use_theme_fonts=”yes” css=”.vc_custom_1525282802114{border-bottom-width: 1px !important;padding-bottom: 10px !important;border-bottom-color: #e2e2e2 !important;border-bottom-style: solid !important;}”][vc_column_text css=””]*Rates effective February 15, 2026[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text] Auto Loans [\/vc_column_text][vc_column_text css=””] New and Used Autos APR as low as up to 3 years (36 months) 5.50% up to 4 years (48 months) 5.75% up to 5 years (60 months) 5.75% up…<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12","page","type-page","status-publish","hentry","entry","no-media"],"yoast_head":"\nRates - Formation Credit Union<\/title>\n<meta name=\"description\" content=\"The Formation Credit Union has our rates online and updated regularly. 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