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Rates effective as of 1/02/2018. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield.
| Balance | Dividend Rate | APY |
| $0 - $10,000 | 1.49% | 1.50% |
| $10,000+ | 0.15% | 0.15% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
| Avg. Daily Balance | Dividend Rate | APY |
| $2,000.00 and under | 0.10% | 0.10% |
| $2,000.01 and above | 0.25% | 0.25% |
Variable Rate Product. These rates may change at any time after account opening.
| Minimum Balance to Open | Avg. Daily Balance | Dividend Rate | APY |
| $50 | $0 - $10,000.00 | 0.15% | 0.15% |
| $50 | $10,000.01 - $25,000.00 | 0.25% | 0.25% |
| $50 | $25,000.01 - $100,000.00 | 0.35% | 0.35% |
| $50 | $100,000.01 and above | 0.45% | 0.45% |
The minimum balance required to open this account is $50.00. Service fees may be incurred on Money Manager accounts if the account balance falls below the required minimum daily balance of $1,000.00. Incurred fees may reduce earnings. $1,000.00 minimum balance is required to avoid the minimum balance service fee on the Money Manager account.
| Avg. Daily Balance | Dividend Rate | APY |
| $0.01 - $50,000.00 | 0.01% | 0.01% |
| $50,000.01 - $100,000.00 | 0.05% | 0.05% |
| $100,000.01 and above | 0.10% | 0.10% |
Dividend rates and fees are effective as of the date stated and are subject to change without notice.
| Avg. Daily Balance | Dividend Rate | APY |
| $0.01 - $50,000.00 | 0.01% | 0.01% |
| $50,000.01 - $100,000.00 | 0.05% | 0.05% |
| $100,000.01 and above | 0.10% | 0.10% |
Dividend rates and fees are effective as of the date stated and are subject to change without notice.
| Avg. Daily Balance | Dividend Rate | APY |
| $0.01 - $50,000.00 | 0.01% | 0.01% |
| $50,000.01 - $100,000.00 | 0.05% | 0.05% |
| $100,000.01 and above | 0.10% | 0.10% |
Dividend rates and fees are effective as of the date stated and are subject to change without notice.
| Product | Minimum Balance | Avg. Daily Balance | Dividend Rate | APY |
|---|---|---|---|---|
| Share Savings | The minimum required to open a share savings account is the purchase of a share in the credit union.¹ | $50 Minimum | 0.10% | 0.10% |
| IRA Traditional Club | N/A | N/A | 0.50% | 0.50% |
| IRA Roth Club | N/A | N/A | 0.50% | 0.50% |
| IRA Education Club | N/A | N/A | 0.50% | 0.50% |
| Holiday Club | N/A | N/A | 0.10% | 0.10% |
| Other Clubs | N/A | N/A | 0.10% | 0.10% |
Variable Rate Product- These rates may change at any time after account opening.
¹ The minimum required to open a share savings account is the purchase of a share in the credit union. If the account is closed within 90 days of opening, a $5.00 closed account fee will be assessed. You must maintain a minimum daily balance of $50.00 in your account to avoid a minimum balance fee. If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a minimum balance fee of $4.00 for that monthly statement cycle. This fee will not apply to accounts for minors (persons under 18 years of age). This fee will not apply if an account holder has an open and active sub-account such as a loan, Home Equity Line Of Credit Gold Credit Card, share draft checking, IRA or term share certificate. You must maintain a minimum average daily balance of $50.00 in your account to obtain the disclosed annual percentage yield. If a share savings or club account is closed before dividends are paid, accrued dividends will be forfeited.
| Minimum Balance | Avg. Daily Balance | Dividend Rate | APY |
|---|---|---|---|
| $50.00 | N/A | 0.10% | 0.10% |
| Term | Min. Balance Requirement | Dividend Rate | APY |
|---|---|---|---|
| 3-5 month | $500 | 0.15% | 0.15% |
| 6-11 month | $500 | 0.15% | 0.15% |
| 12 month | $500 | 0.25% | 0.25% |
| 15 month | $1,500 | 0.50% | 0.50% |
| 24 month | $1,500 | 1.00% | 1.00% |
| 48 month | $1,500 | 0.75% | 0.75% |
| 60 month | $1,500 | 1.00% | 1.00% |
Penalties may be incurred for early withdrawal of term share certificates.
Priority Choice Share Draft Checking, Money Manager Checking, Kasasa Cash Checking, or Kasasa Cash Back Checking membership entitles participants to receive an additional 1/4% on the dividend rate. See Priority Choice Share Draft Checking, Money Manager, Kasasa Cash, or Kasasa Cash Back for details. Rates are based upon credit union participation.
Term Share Certificates qualify as Jumbo if the opening certificate amount is $100,000 or more.
| Term | Min. Balance Requirement | Dividend Rate | APY |
|---|---|---|---|
| 3-5 months | $500 | 0.40% | 0.40% |
| 6-11 months | $500 | 0.40% | 0.40% |
| 12 month | $500 | 0.50% | 0.50% |
| 15 month | $1,500 | 0.75% | 0.75% |
| 24 month | $1,500 | 1.24% | 1.25% |
| 48 month | $1,500 | 1.00% | 1.00% |
| 60 month | $1,500 | 1.24% | 1.25% |
Penalties may be incurred for early withdrawal of term share certificates.
Priority Choice Share Draft Checking, Money Manager Checking, Kasasa Cash Checking, or Kasasa Cash Back Checking membership entitles participants to receive an additional 1/4% on the dividend rate. See Priority Choice Share Draft Checking, Money Manager, Kasasa Cash, or Kasasa Cash Back for details. Rates are based upon credit union participation.
Term Share Certificates qualify as Jumbo if the opening certificate amount is $100,000 or more.
| Term | Min. Balance Requirement | Dividend Rate | APY |
|---|---|---|---|
| 12 month | $2,000 | 0.75% | 0.75% |
| 36 month | $2,000 | 1.00% | 1.00% |
| 48 month | $2,000 | 1.24% | 1.25% |
Penalties may be incurred for early withdrawal of term share certificates.
Priority Choice Share Draft Checking, Money Manager Checking, Kasasa Cash Checking, or Kasasa Cash Back Checking membership entitles participants to receive an additional 1/4% on the dividend rate. See Priority Choice Share Draft Checking, Money Manager, Kasasa Cash, or Kasasa Cash Back for details. Rates are based upon credit union participation.
Term Share Certificates qualify as Jumbo if the opening certificate amount is $100,000 or more.
| Term | Min. Balance Requirement | Dividend Rate | APY |
|---|---|---|---|
| 12 month | $2,000 | 1.00% | 1.00% |
| 36 month | $2,000 | 1.24% | 1.25% |
| 48 month | $2,000 | 1.49% | 1.50% |
Penalties may be incurred for early withdrawal of term share certificates.
Priority Choice Share Draft Checking, Money Manager Checking, Kasasa Cash Checking, or Kasasa Cash Back Checking membership entitles participants to receive an additional 1/4% on the dividend rate. See Priority Choice Share Draft Checking, Money Manager, Kasasa Cash, or Kasasa Cash Back for details. Rates are based upon credit union participation.
Term Share Certificates qualify as Jumbo if the opening certificate amount is $100,000 or more.
| Term | Rates as low as | APR as low as | Payment |
|---|---|---|---|
| 84 months | 4.25% | 4.4362%² | $278.00 |
| 78 months | 3.75% | 3.9483%² | $292.00 |
| 72 months | 3.50% | 3.7130%² | $311.00 |
| 66 months | 3.25% | 3.4805%² | $334.00 |
| 60 months | 2.95% | 3.2019%² | $362.00 |
| 48 months | 2.85% | 3.1664%² | $442.00 |
This promotion is available on qualified auto and truck loan purchases and qualified loans refinanced from another financial institution for 2016-2018 model years only. Promotion rates are available for a limited time, subject to change without notice and not eligible for any other rate discounts. The rate will increase 1.0% for loan-to-values 101% or greater.
² Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $125 loan origination fee.
| Description | Term | Rates as low as | APR as low as | Payment |
|---|---|---|---|---|
| New/Used Vehicle 2015-2014 | 72 months | 4.50% | 4.7150%² | $320.00 |
| New/Used Vehicle 2015-2014 | 66 months | 4.00% | 4.2322%² | $341.00 |
| New/Used Vehicle 2015-2014 | 60 months | 3.75% | 4.0035%² | $369.00 |
| Used Vehicle 2013-2008 | 66 months | 5.75% | 5.9857%² | $357.00 |
| Used Vehicle 2013-2008 | 60 months | 5.50% | 5.7570%² | $385.00 |
| Used/^Classic Vehicle 2013-2008 | 48 months | 5.25% | 5.8836%¹ | $235.00 |
The interest rate, corresponding APR, and term will be based on credit worthiness criteria, loan to value, vehicle age and amount financed. Apply today to determine the qualifying APR. Financing is available for model years 2015-2008. ^Must be listed in NADA Classic Cars Guide. Rate will increase for loan-to-values greater than 100%.
Discounted Vehicle Rate: A .25% rate discount on vehicle loans is available for members with a Premier Checking Account. Fairmont Federal Credit Union makes all final decisions regarding vehicle value, term, and proper rate. Some restrictions apply. Rates are subject to change without notice.
¹ Annual Percentage Rate (APR) and payment displayed are based on $10,000 financed with a $125 loan origination fee.
² Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $125 loan origination fee.
| Description | Term | Rates as low as | APR as low as | Payment |
|---|---|---|---|---|
| New RV/Boat 2018–2016 | 180 months | 6.50% | 6.5641%³ | $307.00 |
| Used RV/Boat 2015-2014 | 120 months | 7.00% | 7.1499%² | $234.00 |
| Used RV/Boat 2013-2012 | 120 months | 8.00% | 8.1543%² | $245.00 |
| Used RV/Boat 2011-2008 | 120 months | 9.00% | 9.1587%² | $256.00 |
| Unsecured | 60 months | 8.95% | 9.6648%¹ | $159.00 |
Your interest rate, corresponding APR, and term will be based on credit worthiness criteria, loan to value, vehicle age and amount financed. Apply today to determine your qualifying APR.
Discounted Vehicle Rate: A .25% rate discount on vehicle loans is available for members with a Premier Checking Account¥. Fairmont Federal Credit Union makes all final decisions regarding vehicle value and proper rate. Some restrictions apply.
¹ Annual Percentage Rate (APR) and payment displayed are based on $7,500 financed with a $125 loan origination fee.
² Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $125 loan origination fee.
³ Annual Percentage Rate (APR) and payment displayed are based on $35,000 financed with a $125 loan origination fee.
¥ Premier Checking Accounts include: Priority Choice, Money Manager, and Kasasa Cash & Cash Back.
| Description | Term | Rates | Payment |
|---|---|---|---|
| Pledge Share | 120 months | 3.00%¹ | $97.00 |
| Pledge Certificate | Rate and term is based on the certificate utilized for collateral. Please contact a representative for details. |
¹ Annual Percentage Rate (APR) and payment displayed are based on $10,000 financed. Loan origination fee does not apply.
To check our current mortgage rates or to apply online, visit the Mortgage Web Center.
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