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FCFCU Rates

Prospective Dividend Rates as of 11/21/2014

 

Share Savings
Account Dividend Rate APY*
Share Savings 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

Student Savings
Account Dividend Rate APY*
Student Savings 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $5
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

Special Savings
Account Dividend Rate APY*
Special Savings 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $20
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

IRA Shares
Account Dividend Rate APY*
IRA Shares 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

IRA Plus Shares
Account Dividend Rate APY*
IRA Shares 0.10% 0.10%

*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $1000
Rate may change after account is opened

 

IRA Premium Shares
Account Dividend Rate APY*
IRA Shares 0.15% 0.15%

*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $10,000
Rate may change after account is opened

 

Member's Choice Club
Account Dividend Rate APY*
Member's Choice Club 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $20
Minimum balance to collect dividends is $100
$20 early withdrawal penalty for each withdrawal prior to maturity
Rate may change after account is opened

 

Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.

 

Prospective Dividend Rates as of 11/21/2014

 

Impact Checking
Balance Dividend Rate APY*
$0.00 - $1,000.00 2.96% 3.00%
$1,000.01 - $10,000.00 1.00% 1.00%
$10,000.01 - $25,000.00 0.50% 0.50%
>$25,000.01 0.25% 0.25%

*APY - Annual Percentage Yield
Minimum balance to open is $100
Rate may change after account is opened

 

Interest Checking
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
$1,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.05% 0.05%
>$25,000.00 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $1,000
Minimum average daily balance to avoid service charge is $1,000
Rate may change after account is opened

 

Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.

 

Prospective Dividend Rates as of 11/21/2014

 

Money Market
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
>$1,000.00 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Premium Money Market
Balance Dividend Rate APY*
$0.00 - $9,999.99 0.05% 0.05%
>$10,000.00 0.10% 0.10%

*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Prestige Money Market
Balance Dividend Rate APY*
$0.00 - $49,999.99 0.05% 0.05%
>$50,000.00 0.20% 0.20%

*APY - Annual Percentage Yield
Minimum balance to open is $50,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Premier Money Market
Balance Dividend Rate APY*
$0.00 - $99,999.99 0.05% 0.05%
>$100,000.00 0.35% 0.35%

*APY - Annual Percentage Yield
Minimum balance to open is $100,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Tiered Money Market
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
$1,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.15% 0.15%
>$100,000.00 0.30% 0.30%

*APY - Annual Percentage Yield
Minimum balance to open is $1,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.

 

Prospective Dividend Rates as of 11/21/2014

 

Certificate Special
Term 39 months
Dividend Rate 1.49%
APY* 1.50%

Minimum Balance to open $500

 

Share Certificates and IRA Share Certificates - Account Balance of $500.00 - $9,999.99
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.49%
APY* 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.50%

Minimum balance to open is $500

 

Share Certificates and IRA Share Certificates - Account balance of $10,000.00 - $49,999.99
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.49%
APY* 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.50%

Minimum balance to open is $10,000

 

Share Certificates and IRA Share Certificates - Account balance of $50,000.00 and above
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.12% 0.17% 0.22% 0.27% 0.32% 0.42% 0.47% 0.75% 1.04% 1.54%
APY* 0.12% 0.17% 0.22% 0.27% 0.32% 0.42% 0.47% 0.75% 1.05% 1.55%

Minimum balance to open is $50,000

 

FlexSmart Certificate
Term 60 Months
Dividend Rate 1.49%
APY* 1.50%

Minimum balance to open is $500

 

AddSmart Certificate
Term 60 Months
Dividend Rate 1.49%
APY* 1.50%

Minimum balance to open is $500

 

84 Month Certificate
Term 84 Months
Dividend Rate 2.23%
APY* 2.25%

Minimum balance to open is $500

 

 

Early withdrawal Penalties
Term Penalties
Less than 1 Year 90 Days Dividends
Terms of 1 year but less than 2 years 180 Days Dividends
Terms of 2 years but less than 3 years 270 Days Dividends
Terms of 3 years but less than 7 years 365 Days Dividends
7 Years or Greater 730 Days Dividends

*APY - Annual Percentage Yield

Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.

 

Prospective Dividend Rates as of 11/21/2014

 

Health Savings Account
Account Dividend Rate APY*
Health Savings Account 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

Health Savings Money Market
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
>$1,000.00 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Health Savings Premium Money Market
Balance Dividend Rate APY*
$0.00 - $9,999.99 0.05% 0.05%
>$10,000.00 0.10% 0.10%

*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Health Savings Account Share Certificates - Account Balance of $500.00 - $9,999.99
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.49%
APY* 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.50%

Minimum balance to open is $500

 

Health Savings Account Share Certificates - Account balance of $10,000.00 - $49,999.99
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.49%
APY* 0.07% 0.12% 0.17% 0.22% 0.27% 0.37% 0.42% 0.70% 1.00% 1.50%

Minimum balance to open is $10,000

 

Health Savings Account Share Certificates - Account balance of $50,000.00 and above
Term 91
Days
6
Months
9
Months
12
Months
18
Months
24
Months
30
Months
36
Months
48
Months
60
Months
Dividend Rate 0.12% 0.17% 0.22% 0.27% 0.32% 0.42% 0.47% 0.75% 1.04% 1.54%
APY* 0.12% 0.17% 0.22% 0.27% 0.32% 0.42% 0.47% 0.75% 1.05% 1.55%

Minimum balance to open is $50,000

*APY - Annual Percentage Yield

Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. All purchases and withdrawals made by check or Visa® Debit card are considered normal distributions from your Health Savings Account. Although Finance Center Federal Credit Union places no restrictions on the usage of this card, the IRS assesses a 20% penalty for non-qualified HSA withdrawals. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.

 

Current Consumer Rates as of 7/1/2014

 

Car, Truck, Van
Description Maximum Terms Current APR*
New & Used 2015-2011 Term Varies As low as 2.79% fixed
Used 2010 Term Varies As low as 3.49% fixed
Used 2009 Term Varies As low as 3.99% fixed
Used 2008 Term Varies As low as 4.49% fixed
Used 2007 Term Varies As low as 4.99% fixed
Used 2006 and older Term Varies As low as 6.29% fixed

Discount of 20 basis points for loan to value amounts of 85% or less.
*APR - Annual Percentage Rate
**Used and refinanced loan maximums limited by NADA retail value. Term is based upon loan amount and model year and are subject to change. 120% financing available only for 2002 or newer models. Rate is subject to change.

 

Other
Description Maximum Terms Current APR*
Marine & RV Term Varies As low as 5.29% fixed
Motorcycles,ATVs & Snowmobiles Term Varies As low as 4.79% fixed

*APR - Annual Percentage Rate

 

Credit Card, Unsecured, Flexline
Description Maximum Terms Current APR*
VISA® Platinum Term Varies As low as 8.75% 
VISA® Platinum Rewards Term Varies As low as 9.75% 
Unsecured (Term Note) Term Varies As low as 9.50% fixed
FlexLine (Overdraft Protection -Unsecured Line of Credit) Term Varies As low as 5.25% fixed 

*APR - Annual Percentage Rate

 

Current Mortgage Rates as of November 21, 2014

 

Mortgages - Purchases and Refinances
Fixed Products*
  Rates (%) APR (%) Discount Points Loan Amount*
30 Year Fixed 4.125% 4.209% 0.000% $123,999.00
20 Year Fixed 4.000% 4.114% 0.000% $123,999.00
15 Year Fixed 3.375% 3.518% 0.000% $123,999.00
30 Year FHA 3.625% 3.706% 0.000% $123,999.00
15 Year FHA 3.125% 3.267% 0.000% $123,999.00
 
Variable Products*
  Rates (%) APR (%) Discount Points Loan Amount*
1 Year ARM 4.500% 4.586% 0.000% $123,999.00
3/1 ARM 3.750% 3.832% 0.000% $123,999.00
5/1 ARM 4.250% 4.334% 0.000% $123,999.00

 

Home Equity Loans
Home Equity Loans (Fixed Rates)** - 1st Lien
Description APR (%) Loan to Value Estimated Monthly Payment
(example: $10,000 loan)
Fixed Rate/Fixed Term - 60 months As low as 3.125% Fixed APR Up to 70% $180.32
Fixed Rate/Fixed Term - 120 months As low as 3.375% Fixed APR Up to 70% $98.34
Fixed Rate/Fixed Term - 180 months As low as 3.500% Fixed APR Up to 70% $71.52

 

Home Equity Loans (Fixed Rates)**** - 2nd Lien
Description APR (%) Loan to Value
Home Equity Loan As low as 6.290% Fixed APR Up to 80%

 

Home Equity Line of Credit****
Description APR (%) Loan to Value
Home Equity Line of Credit (Variable Rate) - 1st or 2nd Lien**** As low as 4.000% Variable APR*** Up to 80%

APR - Annual Percentage Rate is based on 70% loan to value. Subject to underwriting guidelines. Rates may vary depending on the loan amount borrowed and the equity in your home. All rates are subject to change daily. Property insurance is required. Indiana residents only. Borrower's primary residence only. Lock period: 30 days. Consult your tax advisor regarding deductibility of interest.

*Conventional mortgage product with application fee and closing costs.

**High equity mortgages required to be in the first lein position. Contact the Mortgage Department (317.916.7740) for rates on loans greater than 70% loan to value. First mortgage product with application fee and closing costs.

***The annual percentage rate is subject to change and minimum monthly payments can change as a result. Maximum annual percentage rate cannot exceed 18%.

****The annual percentage rate is subject to change and minimum monthly payments can change as a result. Maximum annual percentage rate cannot exceed 18%.  Subject to a 4% APR Minimum Floor Rate.

****A $199 processing fee is charged for all Home Equity Loan products.

 

Prospective Dividend Rates as of 11/21/2014

 

Business Savings
Account Dividend Rate APY*
Business Share Savings 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened

 

Business Interest Checking
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
$1,000.00 - 24,999.99 0.05% 0.05%
>$25,000.00 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $1000
Rate may change after account is opened

 

Business Money Market
Balance Dividend Rate APY*
$0.00 - $999.99 0.05% 0.05%
>$1,000.00 0.05% 0.05%

*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Business Premium Money Market
Balance Dividend Rate APY*
$0.00 - $9,999.99 0.05% 0.05%
>$10,000.00 0.10% 0.10%

*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Business Prestige Money Market
Balance Dividend Rate APY*
>$50,000.00 0.20% 0.20%

*APY - Annual Percentage Yield
Minimum balance to open is $50,000
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Business Premier Money Market
Balance Dividend Rate APY*
>$100,000.00 0.35% 0.35%

*APY - Annual Percentage Yield
Minimum balance to open is $100,000
Rate may change after account is opened
Dividends paid monthy based on daily balances

 

Business Credit Card
Description Maximum Terms Current APR*
Business Visa® Platinum Term Varies As low as 8.25%

*APR - Annual Percentage Rate
Rate may change after account is opened

 

Your savings federaly insured to at least $250,000 and backed by the full faith and credit of the United States Government: NCUA, Equal Housing Lender, ESI