Savings Rates

Savings Accounts

*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
Paid Monthly APR* APY**
Basic Savings 0.04% 0.05%
Secondary Savings 0.04% 0.05%
RollUp Savings 4.89%◊ 5.01%◊
Vacation Club 0.04% 0.05%
CUbby Kids Club 4.89%† 5.01%†
StepOne Youth Account 0.04% 0.05%
Financial Partners 0.04% 0.05%

 

 

Checking Accounts

Rates Effective 10/1/16
Rates Subject To Change.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Click here to see details and qualifiers. Rates subject to change.
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 0.04% 0.05%
Opportunity Checking

 

 

Money Market Accounts

Rates Effective 08/20/2013
Rates Subject To Change.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
Paid Monthly APR* APY**
$2,500 0.05% 0.05%
$5,000 0.05% 0.05%
$10,000 0.05% 0.05%
$25,000 0.05% 0.05%
$50,000 0.10% 0.10%
$100,000 0.15% 0.15%

 

 

Certificates

Rates Effective 12/16/15. Rates Subject To Change.
*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. 27 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) 0.10% 0.10%
6 Months ($1,000 Min) 0.15% 0.15%
12 Months ($1,000 Min) 0.25% 0.25%
18 Months ($1,000 Min) 0.44% 0.45%
19 Months ($1,000 Min) ***SPECIAL OFFER CD 0.61% 0.62%
24 Months ($1,000 Min) 0.50% 0.51%
25 Months ($1,000 Min) ***SPECIAL OFFER CD 0.99% 1.00%
27 Months ($1,000 Min) ***SPECIAL OFFER CD 1.25% 1.26%
36 Months ($1,000 Min) 0.54% 0.55%
48 Months ($1,000 Min) 0.64% 0.65%
60 Months ($1,000 Min) 0.74% 0.75%

 

 

IRA Certificates

Rates Effective 12/16/15. Rates Subject To Change.
*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. 27 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) 0.10% 0.10%
6 Month ($1,000 Min) 0.15% 0.15%
12 Month ($1,000 Min) 0.25% 0.25%
18 Months ($1,000 Min) 0.44% 0.45%
19 Months ($1,000 Min) ***SPECIAL OFFER IRA 0.61% 0.62%
24 Months ($1,000 Min) 0.50% 0.51%
25 Months ($1,000 Min) ***SPECIAL OFFER IRA 0.99% 1.00%
27 Months ($1,000 Min) ***SPECIAL OFFER IRA 1.25% 1.26%
36 Months ($1,000 Min) 0.54% 0.55%
48 Months ($1,000 Min) 0.64% 0.65%
60 Months ($1,000 Min) 0.74% 0.75%

 

 

Loan Rates

Consumer Loans

Rates Effective 11/20/2015. 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) 11.99%
Share Secured Up to 24 Months 6.00%
CD Secured Up to 24 Months 2.00% above CD rate

 

 

New & Used Auto Loans

Vehicles 2012 and older, call the Credit Union.  Rates effective 1.1.16  Autos include: Cars, Trucks, and Vans. Rates depend on mileage, restrictions may apply. See CU representative for additional information.
*APR = Annual Percentage Rate.  Sign up for automatic payments and receive a .25% discount.
Type Term As Low As APR*
New/Used Vehicles 2013 and newer 36 to 48 Months 2.74%
New/Used Vehicles 2013 and newer 49 to 60 Months 2.99%
New/Used Vehicles 2013 and newer 61-72 Months 4.24%
New/Used Vehicles 2013 and newer 73-84 Months ($25,000 or more) 5.24%

 

 

Visa Credit Cards

Rates Effective 4/4/16. 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 10.24%
Visa Premier Rate See full terms and conditions linked below 8.24%
Visa Blue Secure See full terms and conditions linked below 16.24%
Visa Blue Forward See full terms and conditions linked below 13.24%

 

Recreational Equipment

Rates Effective 11/20/15. Rates Subject To Change.
Sign up for automatic payments and receive a .25% discount.
*APR = Annual Percentage Rate
Type Term As Low As APR*
New & Used Boats, Jet Ski, RV & ATV Loan Amount Less Than $20,000 Up to 60 Months 5.74%
Loan Amount More Than $25,001 61 – 72 Months 5.74%
Loan Amount More Than $40,000 73 – 84 Months 6.74%
New & Used Motorcycles Loan amount Less Than $25,000 12 – 72 Months 5.74%
Loan amount More Than $25,001 73 – 84 Months 6.74%

 

 

Home Equity Loans

See Credit Union Representative for details.  Rates effective 11.20.15.
Sign up for automatic payments and receive a .25% discount.
*APR = Annual Percentage Rate
Fixed Rate Term APR*
Home Equity Loan 8 Years (Up to 80% CLTV) as low as 4.25%
15 Years (Up to 80% CLTV) as low as 4.75%
HELOC 10 Year Draw 5 Year Repayments (Up to 80% LTV) 4.00% based on Wall Street Prime †

 

 

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
Paid Monthly Dividend Rate APY*
Basic Savings 0.04% 0.05%

 

 

Business Checking

Minimum Balance – If the balance falls below $2500 at any time during the month, there is a $25 below balance fee.
Rates Effective 10/1/2012
Rates Subject To Change
*APY = Annual Percentage Yield
Paid Monthly Dividend Rate APY*
Business Interest Checking 0.04% 0.05%

 

 

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