At Fixedeposit, we pride ourselves on our competitive rates.
By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.
LENDING RATES
Share Secured
Loans |
APR |
Maximum |
|---|---|---|
3% above earning rate |
n/a |
n/a |
Recreational Loans
Loans |
APR |
Maximum |
|---|---|---|
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 |
as low as 4.50% |
60 Months |
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 |
as low as 4.74% |
72 Months |
New Motorcycle & 4 Wheeler |
as low as 4.49% |
60 Months |
Used Motorcycles & 4 Wheelers |
as low as 4.99% |
48 Months |
New Motor Home |
as low as 5.00% |
144 Months |
Used Motor Homes |
as low as 5.49% |
120 Months |
New 5th Wheel |
as low as 5.49% |
144 Months |
New Travel Trailers |
as low as 5.99% |
84 Months |
Used Travel Trailers |
as low as 6.00% |
60 Months |
New Watercraft |
as low as 4.49% |
60 Months |
New Watercraft |
as low as 4.79% |
84 Months |
New Watercraft |
as low as 5.49% |
120 Months |
Used Watercraft |
as low as 4.49% |
48 Months |
Used Watercraft |
as low as 4.99% |
60 Months |
Used Watercraft |
as low as 5.49% |
72 Months |
Used Watercraft – Previous 3 Years & up (Minimum $25,000) |
as low as 6.49% |
120 Months |
New Waverunners |
as low as 4.99% |
60 Months |
New Waverunners |
as low as 4.99% |
72 Months |
Used Waverunners |
as low as 6.25% |
48 Months |
Other Loans
Loans |
APR |
Maximum Term |
|---|---|---|
Unsecured Personal |
as low as 8.99% |
60 months |
Lawnmowers and Utility Trailers |
as low as 5.24% |
48 months |
Farm Equipment |
as low as 5.24% |
60 months |
Home Loans
Loans |
APR |
Maximum Term |
|---|---|---|
30 Year Fixed Rate |
Call 1-800-239-6033 for the latest rate |
30 years |
15 Year Fixed Rate |
Call 1-800-239-6033 for the latest rate |
15 years |
Home Equity Line of Credit |
as low as 4.00% |
10 year draw, 20 year payback |
3/3 Adjustable Rate Mortgage |
as low as 3.00% |
3 years (amortized over 30 years) |
5/5 Adjustable Rate Mortgage |
as low as 3.25% |
5 years (amortized over 30 years) |
Short Term Fixed |
as low as 3.00% |
7 years |
Construction Loan |
as low as 4.99% |
12 months |
Land Loan |
as low as 4.75% |
15 years |
5/5 Adjustable Rate Mortgage – 100% of Purchase Price |
as low as 3.25% |
5 years (amortized over 30 years) |
* All rates and terms are subject to change without notice.
All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.
Money Market Secured
APR |
Maximum Term |
|---|---|
3% above earning rate |
n/a |
Credit Cards
Card Name |
APR |
|
|---|---|---|
Visa Platinum Cash Back |
as low as 8.99% |
|
Visa Platinum Merchandise |
as low as 8.99% |
Certificate Secured
APR |
Maximum Term |
|---|---|
2% above earning rate |
n/a |
Auto Loans
Loans |
APR as low as |
Maximum Term |
|---|---|---|
New Auto and Previous 3 Years and Up – Less than 30,000 miles |
3.24% |
36 months |
New Auto and Previous 3 Years and Up – Less than 30,000 miles |
3.49% |
66 months |
New Auto and Previous 3 Years and Up – Less than 30,000 miles |
3.79% |
75 months |
New Auto and Previous 3 Years and Up – Less than 30,000 miles |
4.54% |
84 months |
Previous 3 Years and up – More Than 30,000 miles |
3.49% |
66 months |
Previous 3 Years and up – More Than 30,000 miles |
3.79% |
72 months |
Used Auto (4-6 years old) |
3.99% |
66 months |
Used Auto (7-24 Years) |
4.99% |
54 months |
Antique Automobiles (25 yrs old) |
5.50% |
48 months |
Rebuilt Automobiles |
5.50% |
48 months |
All rates and terms are subject to change without notice. Must be a Fixedeposit Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Rate.
SAVINGS RATES
Young at Heart Checking
DIV/INT Rate |
APY |
Minimum |
|---|---|---|
0.15% |
0.15% |
$100 |
Share Savings Account
DIV/INT Rate |
APY |
Minimum |
|---|---|---|
0.20% |
0.20% |
$5 |
*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.
Pick 5 Share Savings Account
DIV/INT Rate |
APY |
Minimum |
Maximum |
|---|---|---|---|
5% |
5% |
$5 |
$1,000 |
*APY=Annual Percentage Yield. This percentage is promotional and is only valid for The Fix or Pick 5 Savings accounts on the first $1,000. Subject to change.
IRA Savings Account (Includes Roth)
DIV/INT Rate |
APY |
Minimum |
|---|---|---|
0.20% |
0.20% |
$0 |
The compound interest earned with this savings account is calculated daily.
IRA Certificates (Includes Roth)
Type |
DIV/INT Rate |
APY |
Minimum |
|---|---|---|---|
12 Months |
0.45% |
0.45% |
$500 |
36 Months |
0.85% |
0.85% |
$500 |
60 Months |
1.00% |
1.00% |
$500 |
The compound interest earned with this certificate can be calculated monthly or quarterly.
High Yield Checking
DIV/INT Rate |
APY |
Minimum |
|---|---|---|
0.075% |
0.08% |
$0 – $9,999 |
0.110% |
0.11% |
$10,000 – $49,999 |
0.20% |
0.20% |
$50,000 – $99,999 |
0.20% |
0.20% |
$100,000+ |
Money Market
DIV/INT |
APY |
Minimum |
|---|---|---|
0.20% |
0.20% |
$0 – $9,999 |
0.30% |
0.30% |
$10,000 – $49,999 |
0.40% |
0.40% |
$50,000 – $99,999 |
0.70% |
0.70% |
$100,000+ |
Balances under $2,500 are subject to a $15 low balance fee. Allows up to six (6) pre-authorized, automatic, or telephone transfers to be made from this account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. There is no limit to the number of in-branch withdrawals or ATM withdrawals allowed.
*Rates are subject to change
**APY = Annual Percentage Yield
Christmas Club
DIV/INT |
APY |
Minimum |
|---|---|---|
0.25% |
0.25% |
$1 |
*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.
Certificates
Type |
DIV/INT |
APY |
Minimum |
|---|---|---|---|
90 Days |
0.15% |
0.15% |
$500 |
6 months |
0.35% |
0.35% |
$500 |
12 months |
0.45% |
0.45% |
$500 |
18 months |
0.50% |
0.50% |
$500 |
24 months |
0.65% |
0.65% |
$500 |
30 months |
0.75% |
0.75% |
$500 |
36 months |
0.85% |
0.85% |
$500 |
48 months |
0.95% |
0.95% |
$500 |
60 months |
1.00% |
1.00% |
$500 |
72 months |
1.00% |
1.00% |
$500 |
Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Monthly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings.
BUSINESS RATES
Business High Yield Checking
DIV/INT |
APY |
Minimum |
|---|---|---|
0.000% |
0.00% |
$0 – $9,999 |
0.075% |
0.08% |
$10,000 – $49,999 |
0.175% |
0.18% |
$50,000 – $99,999 |
0.20% |
0.20% |
$100,000+ |