Rates for Fulton County

Summer Loan Promotion

Rate Description	APR
Terms up to 36 months	As low as 3.25%

$7,500 max loan amount
Ends 09/30/19

Signature Loan Promotion

Rate Description	APR
Terms up to 24 months Only available to new members.	As low as 2.99%

$5,000 maximum amount.
 

Fixed Home Equity Loan

Rate Description	APR
60 months	As low as 2.50%
84 months	As low as 3.00%
120 months	As low as 3.50%
180 months	As low as 4.50%

*Certain Restrictions Apply

Home Equity Line of Credit Promotion

Rate Description	APR
LTV<80%	As low as 1.99%
LTV>80%	As low as 2.74%

Free Closing Costs*
Rate fixed until 06/30/2020
*Certain Restrictions Apply

Auto Loans

Rate Description	APR
2016 & newer: 0-36 months	As low as 1.75%
2016 & newer: 37-48 months	As low as 1.75%
2016 & newer: 49-60 months	As low as 2.25%
2016 & newer: 61-72 months	As low as 3.00%
2016 & newer: 73-84 months	As low as 3.50%
2011-2015: 0-36 months	As low as 2.50%
2011-2015: 37-48 months	As low as 2.50%
2011-2015: 49-60 months	As low as 3.25%
2011-2015: 61-72 months	As low as 4.00%
2011-2015: 73-84 months	As low as 4.75%
2007-2010: 0-36 months	As low as 3.75%
2007-2010: 37-48 months	As low as 4.75%
2006 & older: 0-48 months	As low as 5.25%

Other terms & rates available. Please contact us for more information.

RVs & Motorhomes

Rate Description	APR
RVs/Motorhomes-72 months Minimum Value-$20,000	Auto Rate + 1.00%
RVs/Motorhomes-84 Months Minimum Value-$30,000	Auto Rate + 1.00%

Motorcycles

Rate Description	APR
New-Up to 72 months Value must be $20,000+	2.00% over Auto Rate
Used-Up to 60 months Value must be $12,000+	2.00% over Auto Rate

Motorhomes-New

Rate Description	APR
0-60 months	As low as 5.00%
61-84 months	As low as 7.00%
85-144 months	As low as 7.75%

100% maximum LTV

Motorhomes-Used

Rate Description	APR
0-60 months	As low as 5.25%
61-84 months	As low as 7.50%

100% maximum LTV

Boats/Travel Trailers

Rate Description	APR
New-Up to 72 months Value must be $20,000+	3.00% over Auto Rates
Used-Up to 60 months Value must be $12,000+	3.00% over Auto Rates

ATVs/Snowmobiles/Personal Watercrafts

Rate Description	APR
New-Up to 60 months	4.00% over Auto Rates
Used-Up to 48 months	4.00% over Auto Rates

Credit Cards

Rate Description	APR
Visa Classic	11.50%
Visa Platinum	8.99%

Savings Accounts

Rate Description	APY	Dividend/Interest
Regular, Business, Club/Secondary & Christmas Club Shares on balances greater than $100	0.10%	0.100%
Star Savers/Teen Savers Account on balances greater than $5	0.10%	0.100%
Payroll Holiday Accounts on balances greater than $100	1.00%	0.995%
IRA Shares on balances greater than $100	0.65%	0.648%

Checking Accounts

Rate Description	APY	Dividend/Interest
eFirst Checking - Up to $25,000	2.00%	1.980%
eFirst Checking - Balance in excess of $25,000	0.10%	0.100%
Non-Profit Checking on balances of $100 and greater	1.10%	1.094%

Thrift Savings Accounts

Rate Description	APY	Dividend/Interest
$100 - $499	0.10%	0.100%
$500 - $4,999	0.35%	0.349%
$5,000 - $24,999	0.65%	0.648%
$25,000 - $74,999	1.25%	1.242%
$75,000 - $149,999	1.55%	1.538%
$150,000 - $249,999	1.85%	1.833%
$250,000 +	2.10%	2.087%

One free withdrawal per quarter.
$25 fee for each additional w/d in same quarter.
Balances below $100 earn 0.00%.

Money Market Deposit Accounts (MMDA)

Rate Description	APY	Dividend/Interest
$100 - $999	0.10%	0.100%
$1,000 - $9.999	0.20%	0.200%
$10,000 - $24,999	0.25%	0.250%
$25,000 - $49,000	0.35%	0.349%
$50,000 - $99,999	0.50%	0.499%
$100,000 - $249,999	0.65%	0.648%
$250,000 +	0.75%	0.747%

Three free withdrawals per month.
$10 fee for each additional w/d in same month
Balances that fall below $100, earn 0.00%

Certificates

Rate Description	APY	Dividend/Interest
91 Days	0.10%	0.100%
6 Months	0.35%	0.349%
9 Months-Promotional Rate	2.60%	2.567%
12 Months	0.65%	0.648%
18 Months	0.75%	0.747%
21 Months-Promotional Rate	3.05%	3.005%
24 Months	0.90%	0.896%
36 Months	1.00%	0.995%
39 Months-Promotional Rate	3.00%	2.956%
48 Months	1.25%	1.242%
48 Months (step up)	1.25%	1.242%
60 Months-Promotional Rate	3.05%	3.005%
72 Months	1.80%	1.784%

IRA Certificates must be at least 12 months.
IRAs are eligible.
$500 minimum balance required.
Early withdrawal penalty applies.
Certificate Specials renew at the non-promotional rate.

ARM (Adjustable Rate Mortgage)

Rate Description	APR
1/1	As low as 1.49%
3/1	As low as 3.00%
5/1	As low as 3.125%
7/1	As low as 3.25%
10/1	As low as 3.50%

Rates are subject to an increase or a decrease after the Initial Fixed Period.
Maximum Loan Amount-$484,350
Loans over $424,100 may be subject to additional criteria and different terms, please check with a Mortgage Specialist for details.

Fixed Mortgages

Rate Description	APR
15 Year - Fixed Rate	As low as 3.125%
20 Year - Fixed Rate	As low as 3.625%
30 Year - Fixed Rate	As low as 3.750%

Rates are subject to change daily
Maximum loan amount is $484,350
Rates based on Primary or Secondary Residence/Owner Occupied
Please contact Credit Union for additional program options