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Rates effective as of 6/25/2019. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield. Loan product rates effective as of 07/01/2019.

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Personal Checking

Kasasa Cash* Learn More

Balance Dividend Rate APY
0 - $10,000 1.49% 1.50%
$10,000+ 0.15% 1.50% to 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:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

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.

Priority Choice Checking Learn More

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.

Money Manager Checking Learn More

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.

Business Checking

Basic Business Checking Learn More

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.

Business Checking II Learn More

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.

Business Checking Exempt Learn More

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.

Personal Savings

Savings Accounts Learn More

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%
Youth Savings Challenge Club2

$0.00 - $500.003

$500.01 and above3

 N/A

 N/A

4.89%

 0.10%

5.00%

0.10%-5.00%

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.

1The 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. 

2One Club  per social security number, ages 17 and under.  

3Club Account balances up to $500 receive APY of 5.00%; and balances over $500 earn APY of .10% on the portion of balance over $500, resulting in a range from 0.10% to 5.00% APY depending on the account’s balance. 

Rates subject to change without notice. 

Business Share Savings

Business Share Savings Learn More

Minimum Balance Avg. Daily Balance Dividend Rate APY
$50.00 N/A 0.10% 0.10%

Share Certificates

Share Certificates Learn More

 

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 1.74% 1.75%
15 month $1,500 1.00% 1.00%
24 month $1,500 1.24% 1.25%
48 month $1,500 0.75% 0.75%
60 month $1,500 1.00% 1.00%
Specials      
17 month $10,000 1.98% 2.00%
35 month $1,500 2.23% 2.25%

Youth 12 month Term Share Certificate  Earn up to 5.00%APY** (Age 17 and under)

**APY = Annual Percentage Yield. 4.89% Dividend Rate. Certificate $500 minimum and maximum balance requirement. Penalties may be incurred for early withdrawal of term share certificates. Rates subject to change without notice. One Certificate per social security number, ages 17 and under. 

*APY = Annual Percentage Yield. 

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% bonus dividend. 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.

Premier Share Draft Membership or Jumbo Certificate

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 1.98% 2.00%
15 month $1,500 1.24% 1.25%
24 month $1,500 1.49% 1.50%
48 month $1,500 1.00% 1.00%
60 month $1,500 1.24% 1.25%
Specials      
17 month $10,000 2.23% 2.25%
35 month $1,500 2.47% 2.50%

 

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% bonus dividend. 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.

Traditional & Roth IRA Certificates Learn More

Term Min. Balance Requirement Dividend Rate APY
12 month $2,000 1.98% 2.00%
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% bonus dividend. 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.

Traditional & Roth IRA Premier Share Draft Membership or Jumbo Certificate

Term Min. Balance Requirement Dividend Rate APY
12 month $2,000 2.23% 2.25%
36 month $2,000 1.49% 1.50%
48 month $2,000 1.74% 1.75%

 

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% bonus dividend. 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.

Loans

New Vehicle Promotion (2019-2017) Learn More

Term Rates as low as APR as low as Payment
84 months 5.48% 5.7134%2 $290.00
78 months 4.78% 5.0270%2 $302.00
72 months 3.72% 3.9810%2 $313.00
66 months 3.66% 3.9431%2 $338.00
60 months 3.60% 3.9093%2 $368.00
48 months 3.48% 3.8617%2 $451.00

 

This promotion is available on qualified auto and truck loan purchases and qualified loans refinanced from another financial institution for 2017-2019 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 for loan-to-values 91% or greater.

2Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $150 loan origination fee.

Auto Loans Learn More

Description Term Rates as low as APR as low as Payment
New/Used Vehicle 2016-2015 72 months 5.00% 5.2664%2 $325.00
New/Used Vehicle 2016-2015 66 months 4.50% 4.7868%2 $346.00
New/Used Vehicle 2016-2015 60 months 4.25% 4.5620%2 $374.00
Used Vehicle 2014-2009 66 months 6.25% 6.5439%2 $362.00
Used Vehicle 2014-2009 60 months 6.00% 6.3193%2 $390.00
Used/^Classic Vehicle 2014-2009 48 months 5.75% 6.5245%1 $238.00

 

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 2016-2009. ^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 $150 loan origination fee.

2 Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $150 loan origination fee.

RV/Boat Loan & Unsecured Loans

Description Term Rates as low as APR as low as Payment
New RV/Boat 2019–2017 120 months 9.00% 9.0680%4 $763.00
Used RV/Boat 2016-2015 72 months 8.00% 8.1640%3 $617.00
Used RV/Boat 2014-2012 60 months 8.75% 9.0809%2 $416.00
Unsecured 60 months 8.95% 9.8140%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 $150 loan origination fee.

2 Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $150 loan origination fee.

3 Annual Percentage Rate (APR) and payment displayed are based on $35,000 financed with a $150 loan origination fee.

4 Annual Percentage Rate (APR) and payment displayed are based on $60,000 financed with a $150 loan oigination fee.

 ¥ Premier Checking Accounts include: Priority Choice, Money Manager, and Kasasa Cash & Cash Back.

Pledge Share & Pledge Certificate Loan

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. n/a n/a

1 Annual Percentage Rate (APR) and payment displayed are based on $10,000 financed. Loan origination fee does not apply.

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