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
Paid Monthly APR* APY**
Basic Savings 0.04% 0.05%
Secondary Savings 0.04% 0.05%
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 08/20/2013
Rates Subject To Change.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Refer to the TailorMade Checking brochure for details and qualifiers. Rates subject to change.
Paid Monthly APR* APY**
TailorMade Checking 0.15%*** 0.15%***
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 6/15/15. Rates Subject To Change.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Special Offer CD requires 50% 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%
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 5/1/15. Rates Subject To Change.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Special Offer IRA requires 50% 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%
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 11/21/2013. 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 8.99%
Checking Protection ($20,000 max) 11.99%
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 2011 and older, call the Credit Union.  Effective 5/1/15
Autos include: Cars, Trucks, and Vans. Rates depend on mileage, restrictions may apply. See CU representative for additional information.
*APR = Annual Percentage Rate
Type Term As Low As APR*
New/Used Vehicles 2012 and newer 49 to 60 Months 2.74%
New/Used Vehicles 2012 and newer 61-72 Months 3.99%
New/Used Vehicles 2012 and newer 73-84 Months ($25,000 or more) 4.99%

 

 

Recreational Equipment

Rates Effective 11/21/2013. 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 5.49%
Loan Amount More Than $25,001 61 – 72 Months 5.49%
Loan Amount More Than $40,000 73 – 84 Months 6.49%
New & Used Motorcycles Loan amount Less Than $25,000 12 – 72 Months 5.49%
Loan amount More Than $25,001 73 – 84 Months 6.49%

 

 

Home Equity Loans

See Credit Union Representative for details.
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 3.99%
15 Years (Up to 80% CLTV) as low as 4.50%
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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