FCU Rates

Any Reason Consumer Loan
DescriptionAPR*Rate**Term
as low asas low asMonth Repayment Option
Be Happy Loan5.85%3.99%12 month
Be Happy Loan5.965% 4.99% 24 months
Be Happy Loan6.166% 5.50%36 month
Be Happy Loan7.01%6.50%48 months
Be Happy Loan7.16%6.75%60 months
*APR=Annual Percentage Rate.
**APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable over the term listed above. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates may change at any time. Contact us for more details. 1/2% lower if fully secured. First payment can be made up to 90 days out. Any Reason Loan applies to new loan money only.
Effective Date: September 22, 2021

Business Boost Loan
DescriptionRate**Term
as low asMonth Repayment Option
Business Boost Loan4.00% APR*60 month
*APR=Annual Percentage Rate. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates may change at any time. Interest rate is determined based on risk. Offer may end at any time.


Effective Date: September 22, 2021

Auto Loan
TypeAPR* Rate**Term
as low asas low asmonths
2018 or newer2.912%%2.75%75
2017-20152.942%2.75%63
2014-20122.985%2.75%51
2011 and older3.054%%2.75%39
Antique Auto5.698%5.50%63
Driving Sense-Lease Look Alike2.942%2.75%63
Auto Loan Special1.99%1.99%48
2014 or newer, no loan app fee, new to FCU money only, must be member 90 days
*APR=Annual Percentage Rate. APR based on sample loan amount of $20,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation with the exception of the 48 Month Auto Loan Special. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details. Interest will continue to accrue if no payment is made.

Effective Date: September 22, 2021

Driver’s Sense-Lease Look Alike
Driving SenseAPR*Rate**Term
as low asas low as
Model 5 Years Old & Newer Qualify2.881%2.50%up to 63 months
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.


Effective Date: September 22, 2021

Recreational Vehicle
DescriptionAPR*Rate**Term
as low asas low as
ATV, Snowmobile, Lawn & Garden, Jet Skies, or Trailer3.618%3.50%Contact Us
Rates may vary depending on credit score and length of membership with FCU.
RV, Boat, Travel Trailer, or Plane3.618%3.50%Contact Us
Rates may vary depending on credit score and length of membership with FCU.
Summer Fun Loan Special**3.652%3.25%APR60 months max, $10,000 max loan, must have direct deposit and auto pay. Good for RV's, Campers and Fifth Wheels, Boats, Jet Skis, ATVs, Side-by-Sides, 4 Wheelers and more
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details. Interest will continue to accrue if no payment is made.

Effective Date: September 22, 2021

Motorcycle
TypeAPR* Rate**Term
as low asas low asmonths
2018 or newer3.754%3.59%75
2017-20153.784%3.59%63
2014-20123.827%3.59%51
2011 and older3.895%3.59%39
48 Month Special1.99%1.74%48 Months Max, Must be FCU member for 90 days, 2014 and newer
*APR=Annual Percentage Rate. APR based on sample loan amount of $20,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details. Interest will continue to accrue if no payment is made.
Effective Date: September 22, 2021

Fully Secured Retailer Direct
DescriptionAPR*Rate**
as low asas low as
Fully Secured Retailer Direct5.913%5.50%
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Rates may differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.

Effective Date: September 22, 2021

Share Pledge Loan
DescriptionAPR*RateTerm
as low as
Share Pledged Loan3.00% (for example funds in a 1.50%APY product) Savings Product + 1.50%120 Mon. Max.
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. No Application Fee. Rates may differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details Contact FCU for more information. Floor of 3.50%.

Effective Date: September 22, 2021

Signature Loans
DescriptionAPR*Rate**Term
as low asas low asMonth Repayment Option
Personal Signature Loan6.610%5.99%39 Months
Home Improvement Loans
Unsecured Home Improvement Loan9.908%9.50%63-120 Months Contact Us.
Secured Home Improvement Loan8.655%8.25%63-120 Months Contact Us.
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Rates may differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details

Effective Date: September 22, 2021

Mortgage Loans
DescriptionAPR*
as low as
5 Yr. Balloon5.000%
10 Yr. Balloon5.100%
30 Year Fixed3.0%
20 Year Fixed2.625%
15 Year Fixed2.25%
10 Year Fixed2.125%
Rural Development3.375%
5 Year Balloon Construction LoanContact Us
30 Year Construction Loan3.00%
20 Year Construction Loan2.875%
15 Year Construction Loan2.875%
10 Year Construction Loan2.5%
*APR=Annual Percentage Rate. Contact us for more information. A loan application fee applies and is included in the APR calculation. FCU Mortgage rates are subject to change at anytime. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.497.1600.
Effective Date: September 22, 2021

Home Equity
DescriptionAPR* 
as low as
Closed End Home Equity5.500%Max Term 15 yrs or 30 yr amortization with 15 year balloon
Prime MasterCard Gold Home Equity4.00%equal to or less than 80%LTV, Prime 3.25% floor of 4.00%
Prime Plus MasterCard Gold Home Equity4.00% (Prime + .75%)greater than 80% LTV, floor of 4.00%
MasterCard Gold Home Equity7.900%equal to or less than 80% LTV
MasterCard Gold Home Equity8.900%greater than 80% LTV
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information. Loan rates and approval subject to credit score and analysis. A loan application fee applies and is included in the APR calculation for closed-end home equity loans. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.

Effective Date: September 22, 2021

Education Line of Credit
DescriptionAPR*Max. Dollar Amount
as low as
Education Line of Credit5.49%$50,000 Maximum Line
Payment calculated at 1% of balance or $100, whichever is greater. *APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Effective Date: September 22, 2021

Post Deferment Student Loan Refinance
DescriptionAPR*Rate**Term
as low asas low asDollar Amount
Post Deferment Student Loan Refinance5.456%5.240%10 yr to repay
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details

Effective Date: September 22, 2021

Consumer MasterCard Credit Cards
MasterCardAPR*Benefits
as low as
Diamond CashBack10%**Earn 2% cash back on all purchases****
Simply Platinum7.99%Earn points towards rewards.
Gold Home Equity7.90%Less than 80% Loan to Value
Gold Home Equity8.90%Greater than 80% Loan to Value
Prime Gold Home EquityPrime***Less than 80% Loan to Value
Prime Plus Gold Home EquityPrime + .75%***Greater than 80% Loan to Value
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 4.9%APR offer for the life of the balance amount. For those with a credit score of 549 or less, maybe qualify for a rate of 10.9%APR for the life of the balance transfer amount.
Brand new Simply Platinum or Diamond Mastercard Credit Card will receive the promotion rate of 4.9%APR for credit scores 550 or higher or 10.9%APR for credit scores 549 or lower on brand-new purchases for 12 months.
**Diamond Mastercard earns 1.5% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR. ****FCU DIAMOND MASTERCARD holders only - earn Unlimited 2% CASH BACK! on every purchase, every day from August 1, 2021, to December 31, 2021. This offer is for current Frankenmuth Credit Union Diamond Card Members only and FCU members new to an FCU Diamond Credit Card. Offer excludes all other FCU cardholders, including but not limited to Home Equity Lines of Credit/Credit Cards.

Effective Date: September 22, 2021

Business Platinum MasterCard
MasterCardAPR*Benefits
as low as
Business Platinum8.25%Earn points on each purchase for travel, merchandise or cash.
Balance Transfer Promotion6.25%Special Rate for debt transferred from accounts outside FCU
*APR=Annual Percentage Rate. Rate: Prime + 5.00% not to go below a floor of 8.00%APR. Balance Transfer Promotion Rate: Prime + 3.00%. Debt must be from outside FCU. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: September 22, 2021
Regular Savings, Escrow, Club & Birdie Accounts
MinimumMaximumAPY**Div Rate*
Dollar AmountDollar Amount
$100.00$9,9990.02%0.02%
$10,000$24,9990.02%0.02%
$25,000$99,9990.02%0.02%
$100,000and up0.02%0.02%
*Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. **APY=Annual Percentage Yield. Rates may change at any time. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Growth Savings
DescriptionAPY**Div Rate*Notes
I Growth savings0.05%0.05%$5,000 min. balance
II Growth Savings0.05%0.05%$25,000 min. balance Require open checking or credit card with FCU.
III Growth Savings0.05%0.05%$50,000 min. balance Requires open checking and credit card with FCU.
IV Growth Savings0.05%0.05%$100,000 min. balance. Requires FCU checking, FCU credit card and appt. with FCU Investment or Insurance department.
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Please contact us for more information or go to our Savings & Checking page. Each Growth Savings account stands on its own. The Growth Savings accounts are not tiered accounts and the rates do not change as balances change. Members must contact FCU and sign a new Truth-In-Savings Disclosure in order to change from one Growth Savings product to another. Growth Savings accounts may require additional services with FCU to qualify.

Effective Date: September 22, 2021

Systematic Savings Accounts
DescriptionAPY**Div Rate*
Systematic Savings0.25%0.25%
Systematic Traditional IRA0.40%0.40%
Systematic Roth IRA0.40%0.40%
***Youth Systematic Savings (members 12 & younger)0.35%0.35%
*Contact us for more information on our line of Systematic Savings products. Learn how a Systematic Savings can help even the most deficient saver start to build a savings. **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. ***All Systematic Savings, except for the Youth Systematic Savings, require a monthly minimum deposit of $25. Youth Systematic Savings requires a monthly minimum deposit of $10. Contact us for more information.

Effective Date: September 22, 2021

Traditional IRA, Roth IRA & Coverdell ESA
InvestmentAPY**Div Rate*
$0 - $9,9990.10%0.10%
$10,000 - $24,9990.20%0.20%
$25,000 - $99,9990.20%0.20%
$100,000 & Up0.20%0.20%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA investment options, check out our Certificates of Deposit rates. IRAs can take advantage of these great rates also.


Effective Date: September 22, 2021

Health Savings Checking Account (HSA)
Investment AmountAPY**Div Rate*
$0.01 - $9990.15%0.15%
$1,000 - $2,4990.30%0.30%
$2,500 - $9,9990.30%0.30%
$10,000 and up0.30%0.30%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Our Health Savings Account features a small set-up charge and a small monthly-service charge. HSA's are designed for those members with high deductible health insurance plans. Contact our Business Department at (989)497-1600 for more information on our very attractive HSA program.

Effective Date: September 22, 2021

Kasasa Cash Checking
APY**Div RateMaximumDescription
Dollar Amount
3.00%2.95%$7,500.00Non-qualified accounts earn .01%APY
3.00% - 0.35%0.14%Over $7,500.00Non-qualified accounts earn .01%APY
*Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card transactions and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Kasasa Saver
APY**Div RateMaximumDescription
Dollar Amount
1.00%0.99%$50,000.00Non-qualified accounts earn .01%APY
1.00% - 0.43%0.14%Balances over $50KNon-qualifying accounts earn .01%APY
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. Only members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too. Members will forfeit dividends if accounts closed before accrued dividends are posted.

Effective Date: September 22, 2021

Featured CD-Certificate of Deposit
CD TypeAPY**Div Rate*MinimumDescription
Min. Investment
$500 - $99,999
13 Months.28%.28%$500Good for funds already at FCU and new funds.
21 Months.33%.33%$500Good for funds already at FCU and new funds.
$100,000 - $149,000
13 Months.28%.28%$100,000Good for funds already at FCU and new funds.
21 Months.33%.33%$100,000Good for funds already at FCU and new funds.
$150,000 - $249,999
13 Months.28%.28%$150,000Good for funds already at FCU and new funds.
21 Months.33%.33%$150,000Good for funds already at FCU and new funds.
$250,000 - and up
13 Months.28%.28%$250,000Good for funds already at FCU and new funds.
21 Months.33%.33%$250,000Good for funds already at FCU and new funds.
*Require $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. **APY = Annual Percentage Yield. Contact us for more information.

Effective Date: September 22, 2021

CD-Certificate of Deposit
TermAPY**Div Rate*
$500 - $99,999 Term
3 Months.10%.10%
6 Months.15%.15%
9 Months.20%.20%
12 Months.25%.25%
18 Months.30%.30%
24 Months.35%.35%
30 Months.40%.40%
36 Months.45%.45%
36 Month Bump CD***.45%.45%
48 Months.60%.60%
60 Months.95%.95%
60 Month Bump CD***.95%.95%
$100,000 - $149,000 Term
3 Months.10%.10%
6 Months.15%.15%
9 Months.20%.20%
12 Months.25%.25%
18 Months.30%.30%
24 Months.35%.35%
30 Months.40%.40%
36 Months.45%.45%
36 Month Bump CD***.45%.45%
48 Months.60%.60%
60 Months.95%.95%
60 Month Bump CD***.95%.95%
$150,000 - $249,000 Term
3 Months.10%.10%
6 Months.15%.15%
9 Months.20%.20%
12 Months.25%.25%
18 Months.30%.30%
24 Months.35%.35%
30 Months.40%.40%
36 Months.45%.45%
36 Month Bump CD***.45%.45%
48 Months.60%.60%
60 Months.95%.95%
60 Month Bump CD***.95%.95%
$250,000 and up Term
3 Months.10%.10%
6 Months.15%.15%
9 Months.20%.20%
12 Months.25%.25%
18 Months.30%.30%
24 Months.35%.35%
30 Months.40%.40%
36 Months.45%.45%
36 Month Bump CD***.45%.45%
48 Months.60%.60%
60 Months.95%.95%
60 Month Bump CD***.95%.95%
*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.

Effective Date: September 22, 2021

Plus Savings
APY**Div Rate*Min. Dollar AmountMax. Dollar Amount
.10%.10%$500$9,999
.10%.10%$10,000.00$24,999
0.10%0.10%$25,000$99,999
0.10%0.10%$100,000and up
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Money Market Accounts
BalanceAPY**Div Rate*
$1,000 - $9,9990.10%0.10%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.10%0.10%
$100,000 & Up0.10%0.10%
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals a month of $500 or more. All deposits must be over $100. **APY = Annual Percentage Yield. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Mega Money Market Accounts
BalanceAPY**Div Rate*
$10,000 - $24,9990.10%0.10%
$25,000 - $49,9990.10%0.10%
$50,000 - $99,9990.10%0.10%
$100,000 - $499,9990.10%0.10%
$500,000 - $999,9990.10%0.10%
$1,000,000 and up0.10%0.10%
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals a month of $500 or more. All deposits must be over $100. **APY = Annual Percentage Yield. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Save to Win
APY**Div Rate*MinimumTerm
Dollar Amount
.20%.20%$25 to openSee Below
Can deposit at any time. Cannot withdraw till 12 months after date of opening.
Don't gamble away your hard earned money, do Save To Win. All the cash you deposit into Save To Win earns interest and chances to win cash prizes up to $5,000. Withdrawal Charges: effective January 1, 2021: For Save to Win CDs opened after January 1, 2021, and if the CD balance is (1) under $25,000, the fee for one-time withdrawal is $50. and/or if the balance is (2) $25,000 or higher, the fee is $100. Withdrawal fees are unvarying for CD's that renew in 2021. If it was opened in 2020, a $25 fee applies for one-time withdrawal. **APY=Annual Percentage Yield. Rates may change at any time. Penalty for early withdrawals or closings. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: September 22, 2021

Wealth Builder
InvestmentAPY**Div Rate*
$100-$9,999.20%.20%
$10,000-$49,999.16%-.20%.15%
$50,000-$99,999.13%-.16%.10%
$100,000+.05%-.13%.05%
TERMS: **APY = Annual Percentage Yield. Rates may change at any time. Advertised rate is on the first $9,999 balance for consumers. No interest will be paid on the Wealth Builder Consumer if the average daily balance is less than $100. Account approval, qualifications, limits and other requirements may apply. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.

Effective Date: September 22, 2021

Business Wealth Builder
InvestmentAPY**Div Rate*
$1,000-$99,999.20%.20%
$100,000-$149,999.18%-.20%.15%
$150,000-$249,999.15%-.18%.10%
$250,000+.05%-.15%.05%
TERMS: **APY = Annual Percentage Yield. Rates may change at any time. Advertised rate is on the first $249,999 in balances for businesses. No interest will be paid on the Business Wealth Builder if the average daily balance is less than $1,000. Account approval, qualifications, limits and other requirements may apply. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.

Effective Date: September 22, 2021

Business Savings
Dividend TiersAPY**Div Rate*
$5 - $9,9990.10%0.10%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.10%0.10%
$100,000 & Up0.10%0.10%
**APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. FCU offers special savings rates for our members that take advantage of our excellent business programs. Contact our business department for more information. Members will forfeit dividends if accounts closed before accrued dividends are posted.

Effective Date: September 22, 2021

Interest Earning Business Checking
DescriptionAPY**Div Rate*Balance
minimum balance to earn interest
2 Star Plus Checking0.03%0.03%$250 min.
3 Star Plus Checking0.05%0.05%$500 min.
4 Star Plus Checking0.10%0.10%$1000 min.
5 Star Plus Checking0.15%0.15%$20,000 min.
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts.

Effective Date: September 22, 2021