Skip to content

Deposit rates effective as of 03/01/2024. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield. Loan product rates effective as of 05/20/2024.

{beginAccordion h2}

Personal Checking

Kasasa Cash* Learn More

Balance Dividend Rate APY
0 - $10,000 0.9999%  1.00%
$10,000+ 0.10% 1.00% to 0.10%
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. Variable Rate Product. These rates may change at any time after account opening.

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 0.25% 0.25%
$50 $10,000.01 - $25,000.00 0.30% 0.30%
$50 $25,000.01 - $100,000.00 0.35% 0.35%
$50 $100,000.01 and above 0.75% 0.75%

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. Variable Rate Product. These rates may change at any time after account opening.

Business Checking

Basic Business Checking Learn More

Avg. Daily Balance Dividend Rate APY
$0.01 - $50,000.00 0.05% 0.05%
$50,000.01 - $100,000.00 0.10% 0.10%
$100,000.01 and above 0.15% 0.15%

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 0.05% 0.05%
$50,000.01 - $100,000.00 0.10% 0.10%
$100,000.01 and above 0.15% 0.15%

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 0.05% 0.05%
$50,000.01 - $100,000.00 0.10% 0.10%
$100,000.01 and above 0.15% 0.15%

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%

Debit Card Round Up Savings Club

$0.00 - $500.00

 $500.01 and above4    

N/A

N/A

2.475%

0.10%

2.50%

0.10%

IRA Traditional Club N/A N/A 0.75% 0.75%
IRA Roth Club N/A N/A 0.75% 0.75%
IRA Education Club N/A N/A 0.75% 0.75%
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. 

4Club Account balances up to $500 receive APY of 2.50%; and balances over $500 earn APY of .10% on the portion of balance over $500, resulting in a range from 0.10% to 2.50% 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 1.00% 1.00%
6-11 month $500 1.00% 1.00%
12 month $500 5.13% 5.25%
24 month $1,500 2.47% 2.50%
48 month $1,500 2.72% 2.75%
60 month $1,500 2.96% 3.00%

 

*APY = Annual Percentage Yield

Penalties may be incurred for early withdrawal of term share certificates.

Opening a Jumbo Certificate(s) in the amount of $100,000 - $249,999.99, receive an additional ¼% bonus for Jumbo Certificates $250,000 and over, receive an additional 1/2% bonus.  Membership eligibility requirements may apply.  

Traditional & Roth IRA Certificates

Traditional & Roth IRA Certificates Learn More

Term Min. Balance Requirement Dividend Rate APY
12 month $2,000 2.23% 2.25%
36 month $2,000 2.72% 2.75%
48 month $2,000 2.96% 3.00%

 

Penalties may be incurred for early withdrawal of term share certificates. Rates are based upon credit union participation.

Opening a Jumbo Certificate(s) in the amount of $100,000 - $249,999.99, receive an additional ¼% bonus for Jumbo Certificates $250,000 and over, receive an additional 1/2% bonus.  Membership eligibility requirements may apply.

Loans

Auto Loan Purchase and Refinance Learn More

Description Term Rates as low as APR as low as Payment
2022-2024 84 months 5.50% 5.6823%1 $434.00
2021-2020 72 months 7.00% 7.2151%1 $515.00
2019-2018 66 months 8.50% 8.7814%2 $479.00
2017 54 months 9.25% 9.6733%3 $459.00
2016-2014/^Classic Vehicle 48months 9.00% 9.4693%3 $503.00

 

The interest rate, corresponding APR, and term will be based on creditworthiness criteria, loan to value, vehicle age, and amount financed. Apply today to determine the qualifying APR. Loan approval based on qualified applicants. Financing is available for model years New -2014.  ^Classic Vehicles must be listed in NADA Classic Cars Guide. Rate will increase for loan-to-values greater than 100%.

Fairmont Federal Credit Union makes all final decisions regarding vehicle value and proper rate. Rates are subject to change without notice.

1Annual Percentage Rate (APR) and payment displayed are based on $30,000 financed with a $175 loan origination fee.

2 Annual Percentage Rate (APR) and payment displayed are based on $25,000 financed with a $175 loan origination fee.

3 Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $175 loan origination fee.

RV/Boat Loan & Personal Loans

Description Term Rates as low as APR as low as Payment
New RV/Boat 2024–2022 120 months 12.00% 12.0839%4 $864.00
Used RV/Boat 2021-2020 72 months 11.00% 11.1979%3 $670.00
Used RV/Boat 2019-2017 60 months 11.75% 12.1476%2 $447.00
Personal 48 months 12.95% 14.2203%1 $206.00

 

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. Loan approval based on qualified applicants.

Fairmont Federal Credit Union makes all final decisions regarding vehicle value and proper rate. Some restrictions apply. Rates are subject to change without notice.

1 Annual Percentage Rate (APR) and payment displayed are based on $7,500 financed with a $175 loan origination fee.

2 Annual Percentage Rate (APR) and payment displayed are based on $20,000 financed with a $175 loan origination fee.

3 Annual Percentage Rate (APR) and payment displayed are based on $35,000 financed with a $175 loan origination fee.

4 Annual Percentage Rate (APR) and payment displayed are based on $60,000 financed with a $175 loan origination fee.

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. Rates are subject to change without notice.

{endAccordion}

Find Your Career

Here, it's all about "People Helping People."

Say Cheese!

Mobile Check Deposit.

We seek to satisfy! Who made your day today? Tell Us More