Savings Rates

APY = Annual Percentage Yield.

Savings Accounts

Rates Effective 9/4/18.  Rates Subject To Change. *APR = Annual Percentage Rate.  **APY = Annual Percentage Yield.
5.01% APY earned on the first $250. Balances over $250 will earn a rate of 0.05% APY.
 5.01% APY earned on the first $250. Balances over $250 will earn a rate of 0.10% APY
 Balances between $0 – $25,000 will earn a 1.40% APY, if qualifications are met. Balances greater than $25,000 will receive the primary savings account APY of 0.05%.
Type APR* APY**
Primary Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Financial Partners 0.05% 0.05%
StepOne Youth Account 0.05% 0.05%
You must maintain an average daily balance at least equal to $100 during each dividend period to obtain the disclosed APY on the accounts listed above.
CUbby Kids Club 4.89% 5.01%
RollUp Savings 4.89% 5.01%
High Yield Online Savings 1.39% 1.40%

 

 

Checking Accounts

Rates Effective 10/3/17.  Rates Subject To Change.  *APR = Annual Percentage Rate. **APY = Annual Percentage Yield
***Click here to see details and qualifiers.
Paid Monthly APR* APY**
TailorMade Checking (balance $0 – $19,999) 0.15%*** 0.15%***
TailorMade Checking (balance $20,000+) 0.60%*** 0.60%***
StepOne Youth Account
Opportunity Checking

 

Money Market Accounts

Rates Effective 10/3/17. Rates Subject To Change. *APR = Annual Percentage Rate. **APY = Annual Percentage Yield.
You must maintain at least $2,500 in your account each day to obtain the disclosed APY and to avoid a fee.
Paid Monthly APR* APY**
Paid Monthly: $2,500 0.05% 0.05%
Paid Monthly: $5,000 0.05% 0.05%
Paid Monthly: $10,000 0.05% 0.05%
Paid Monthly: $25,000 0.05% 0.05%
Paid Monthly: $50,000 0.10% 0.10%
Paid Monthly: $100,000 0.15% 0.15%

 

Certificates

Rates Effective 10/9/18. Rates Subject To Change. Early withdraw penalties may apply. *APR = Annual Percentage Rate.  **APY = Annual Percentage Yield
***19 Month and 25 Month Special Offer CD requires 50% of funds as new funds not currently on deposit at 1st Financial. 8 Month, 27 Month and 44 Month Special Offer CD requires 100% of funds as new funds not currently on deposit at 1st Financial.
Paid Monthly APR* APY**
3 Month ($1,000 Min) 0.34% 0.35%
6 Month ($1,000 Min) 0.64% 0.65%
8 Month ($1,000 Min) ***SPECIAL OFFER CD 1.98% 2.00%
12 Month ($1,000 Min) 0.99% 1.00%
18 Month ($1,000 Min) 1.09% 1.10%
19 Month ($1,000 Min) ***SPECIAL OFFER CD 2.22% 2.25%
24 Month ($1,000 Min) 1.48% 1.50%
25 Month ($1,000 Min) ***SPECIAL OFFER CD 2.07% 2.10%
27 Month ($1,000 Min) ***SPECIAL OFFER CD 2.95% 3.00%
36 Month ($1,000 Min) 1.24% 1.25%
44 Month ($50,000 Min) ***SPECIAL OFFER CD 2.81% 2.85%
48 Month ($1,000 Min) 1.53% 1.55%
60 Month ($1,000 Min) 1.83% 1.85%

 

 

IRA Certificates

Rates Effective 10/9/18. Rates Subject To Change. Early withdraw penalties may apply.  *APR = Annual Percentage Rate. **APY = Annual Percentage Yield.
***19 and 25 Month Special Offer CD requires 50% of funds as new funds not currently on deposit at 1st Financial. 8, 27 and 44 Month Special Offer CD requires 100% of funds as new funds not currently on deposit at 1st Financial.
Paid Monthly APR* APY**
3 Month ($1,000 Min) 0.34% 0.35%
6 Month ($1,000 Min) 0.64% 0.65%
8 Month ($1,000 Min) ***SPECIAL OFFER IRA 1.98% 2.00%
12 Month ($1,000 Min) 0.99% 1.00%
18 Month ($1,000 Min) 1.09% 1.10%
19 Month ($1,000 Min) ***SPECIAL OFFER IRA 2.22% 2.25%
24 Month ($1,000 Min) 1.48% 1.50%
25 Month ($1,000 Min) ***SPECIAL OFFER IRA 2.07% 2.10%
27 Month ($1,000 Min) ***SPECIAL OFFER IRA 2.95% 3.00%
36 Month ($1,000 Min) 1.24% 1.25%
44 Month ($50,000 Min) ***SPECIAL OFFER IRA 2.81% 2.85%
48 Month ($1,000 Min) 1.53% 1.55%
60 Month ($1,000 Min) 1.83% 1.85%

 

 

Loan Rates

Consumer Loans

Rates Effective 10/3/17. Rates subject to change. *APR = Annual Percentage Rate. Sign up for automatic payments and receive a .25% discount.
Loans Term As Low As APR*
Signature Loans ($20,000 max) Up to 60 Months 9.24%
Line of Credit ($20,000 max) 12.24%
Credit Builder ($1,000 max) 12 months 12.00%
Share Secured Up to 24 Months 6.00%
CD Secured Up to 24 Months 2.00% above CD rate

 

 

New & Used Auto Loans

Rates effective 11/9/18. Vehicles 2013 and older, call the Credit Union.  Autos include Cars, Trucks, and Vans. Rates depend on mileage, restrictions may apply. See CU representative for additional information. Rates subject to change. *APR = Annual Percentage Rate.  Sign up for automatic payments and receive a .25% discount.
Type Term As Low As APR*
New/Used Vehicles 2014 and newer Up to 36 Months 2.74%
New/Used Vehicles 2014 and newer 37 to 48 Months 3.34%
New/Used Vehicles 2014 and newer 49 to 60 Months 3.49%
New/Used Vehicles 2014 and newer 61 to 72 Months 4.24%
New/Used Vehicles 2014 and newer 73 to 84 Months ($25,000 or more) 5.49%

 

Visa Credit Cards

Rates Effective 10/01/18. Rates subject to change. *APR = Annual Percentage Rate
See here for full terms and conditions.
Loans Term Variable Rate.  As Low As APR*
Visa Signature Rewards See full terms and conditions linked below 11.74%
Visa Premier Rate See full terms and conditions linked below 9.74%
Visa Blue Secure See full terms and conditions linked below 17.74%
Visa Blue Forward See full terms and conditions linked below 14.74%

 

Recreational Equipment

Rates Effective 11/9/18. Rates Subject To Change. Sign up for automatic payments and receive a .25% discount. *APR = Annual Percentage Rate
Type Loan Amount Term As Low As APR*
New & Used Boats, Jet Ski, RV & ATV Less Than $20,000 Up to 60 Months 5.94%
New & Used Boats, Jet Ski, RV & ATV More Than $20,000 61 – 72 Months 5.94%
New & Used Boats, Jet Ski, RV & ATV More Than $25,000 73 – 84 Months 6.49%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 85 – 96 Months 6.49%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 97 – 120 Months 6.74%
New & Used Boats, Jet Ski, RV & ATV More Than $40,000 121 – 144 Months 7.24%
New & Used Motorcycles Less Than $25,000 12 – 36 Months 5.74%
Less Than $25,000 37 – 72 Months 5.94%
New & Used Motorcycles More Than $25,001 73 – 84 Months 6.99%

 

 

Home Improvement Loans

Rates effective 10/1/18. Rates are subject to change. Rates increase with the term and are based on creditworthiness. Additional terms and rates available. See Credit Union Representative for details.  *Sign up for automatic payments and receive a 0.25% discount. **APR = Annual Percentage Rate.  ***Minimum payment of 1.00% of outstanding balance no less than $100. At the end of the 5-year repayment, a balloon payment may result. Maximum loan rate of 17.99%. † The Annual Percentage Rate (APR) is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the 5th day of the last month prior to each calendar quarter (January, April, July, October). The APR is the index (Prime) plus the margin of zero. Prime Rate was 5.00% APR as of September 5, 2018. The maximum APR is 17.99%. The minimum line amount is $10,000 up to a maximum of $250,000. Initial advance of $2,500 is required. Payment is 1% of the balance and is due monthly, with a minimum payment of $100. HELOC will have a ten year draw period with an additional five years to repay. Maximum loan-to-value (LTV) based on credit rating up to 100%. Valid for owner-occupied dwellings in Missouri and Illinois. Consult a tax advisor for tax deductibility. ◊Valid for an owner-occupied dwelling. Minimum loan amount of $2,500.
Fixed Rate Loan Amount Term APR**
Home Equity Loan* $10,000 min 8 Years (Up to 90% Max CLTV) as low as 4.24%
$10,000 min 15 Years (Up to 90% Max CLTV) as low as 4.75%
HELOC*** $10,000 min 10 Year Draw, 5 Year Repayments (Up to 90% LTV) 5.00% based on Wall Street Prime †
Home Improvement Loan*◊ $2,500 to $9,999 Up to 180 months as low as 6.24%
$10,000 to $25,000 Up to 180 months as low as 7.24%

 

 

First Mortgage Loans

First Mortgage Loans available with low rates and flexible terms. Contact the CU for current rates. 636-916-8300 – This is not an advertisement to extend credit under Reg. Z. All loans subject to approval.
Flexible Mortgage Loans Term APR

 

 

Business Rates

Business Savings

Rates Effective 10/1/2012
Rates Subject To Change
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield.  You must maintain an average daily balance of at least $100.00 in Your Account each dividend period to obtain the disclosed APY.
Paid Monthly Dividend Rate APY*
Basic Savings 0.05% 0.05%

 

Money Market Accounts

Rates Effective 10/3/17. Rates Subject To Change. *APR = Annual Percentage Rate. **APY = Annual Percentage Yield.
You must maintain at least $2,500 in your account each day to obtain the disclosed APY and to avoid a fee.
Paid Monthly APR* APY**
Paid Monthly: $2,500 0.05% 0.05%
Paid Monthly: $5,000 0.05% 0.05%
Paid Monthly: $10,000 0.05% 0.05%
Paid Monthly: $25,000 0.05% 0.05%
Paid Monthly: $50,000 0.10% 0.10%
Paid Monthly: $100,000 0.15% 0.15%

 

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