Rates

Rates you can smile about.

Fortera Credit Union Savings and Loan Rates - effective June 25, 2021. See Business Rates here.

Auto Loan Rates

Type Term APR*
Type:
New Autos
Term:
up to 36 Months
APR*:
1.29% to 13.99%
Type:
New Autos
Term:
up to 60 Months
APR*:
3.49% to 13.99%
Type:
New Autos
Term:
up to 72 Months
APR*:
3.99% to 14.99%
Type:
New Autos
Term:
up to 84 Months
APR*:
4.99% to 6.74%
Type:
New Autos
Term:
up to 96 Months
APR*:
5.99% to 7.74%
Type:
Used Autos 2019 to 2021
Term:
up to 36 Months
APR*:
1.49% to 14.74%
Type:
Used Autos 2019 to 2021
Term:
up to 60 Months
APR*:
3.74% to 14.74%
Type:
Used Autos 2019 to 2021
Term:
up to 72 Months
APR*:
4.24% to 15.74%
Type:
Used Autos 2019 to 2021
Term:
up to 84 Months
APR*:
5.24% to 6.99%
Type:
Used Autos 2017 to 2018
Term:
up to 60 Months
APR*:
3.99% to 14.99%
Type:
Used Autos 2017 to 2018
Term:
up to 72 Months
APR*:
4.49% to 15.99%
Type:
Used Autos 2017 to 2018
Term:
up to 84 Months
APR*:
5.49% to 7.24%
Type:
Used Autos 2014 to 2016
Term:
up to 60 Months
APR*:
4.49% to 15.49%
Type:
Used Autos 2014 to 2016
Term:
up to 72 Months
APR*:
5.49% to 16.74%
Type:
Used Autos 2013 and Older
Term:
up to 60 Months
APR*:
5.49% to 16.99%

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.

Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 115%.

Motorcycle and Recreational Loan Rates

Type Term APR*
Type:
New
Term:
Up to 36 Months
APR*:
2.79% to 14.99%
Type:
New
Term:
Up to 60 Months
APR*:
4.99% to 14.99%
Type:
New
Term:
Up to 72 Months
APR*:
5.49% to 15.99%
Type:
New
Term:
Up to 84 Months
APR*:
6.49% to 8.24%
Type:
New
Term:
Up to 96 Months
APR*:
7.49% to 9.24%
Type:
Used (2018-2020)
Term:
Up to 36 Months
APR*:
2.99% to 15.24%
Type:
Used (2019-2021)
Term:
Up to 60 Months
APR*:
5.24% to 15.24%
Type:
Used (2019-2021)
Term:
Up to 72 Months
APR*:
5.74% to 16.24%
Type:
Used (2019-2021)
Term:
Up to 84 Months
APR*:
6.74% to 8.49%
Type:
Used (2017-2018)
Term:
Up to 60 Months
APR*:
5.49% to 15.49%
Type:
Used (2017-2018)
Term:
Up to 72 Months
APR*:
5.99% to 16.49%
Type:
Used (2017-2018)
Term:
Up to 84 Months
APR*:
6.99% to 8.74%
Type:
Used (2014-2016)
Term:
Up to 60 Months
APR*:
5.99% to 15.99%
Type:
Used (2014-2016)
Term:
Up to 72 Months
APR*:
6.99% to 17.24%
Type:
Used (2013 and older)
Term:
Up to 60 Months
APR*:
6.99% to 17.49%

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.

Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 110%.

Fortera Credit Card Rates

Type Term APR*
Type:
Fortera Credit Cards
Term:
Open
APR*:
8.40% to 18.00%

Credit Limit: $300 - $40,000.

Rapid Refi Rates

Type Term APR*
Type:
Fixed-Rate Rapid Refi
Term:
5 Years
APR*:
2.49% to 4.99%
Type:
Fixed-Rate Rapid Refi
Term:
10 Years
APR*:
2.99% to 5.49%
Type:
Fixed-Rate Rapid Refi
Term:
15 Years
APR*:
3.49% to 6.24%

The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.

Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.

Home Equity Line of Credit Rates

Type Term APR*
Type:
Interest Only Payment
Term:
Less than 80%
APR*:
4.00 to 8.50%**
Type:
Interest Only Payment
Term:
From 80.1% - 100%
APR*:
4.50 to 7.50%**

HELOC's adjust quarterly on Jan.1, April 1, July 1, and Oct. 1. Maximum adjustment of 1% per quarter. The maximum rate is 15.00%.

*APR=Annual Percentage Rate. The ANNUAL PERCENTAGE RATE you receive will be based on credit worthiness and loan to value amount. Not all members will qualify for the best or lowest rate.

Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.

**Loan to Value Ratio (LTV): A ratio used by lenders to calculate the loan amount requested as a percentage of the value of a home. To determine the loan to value ratio, divide the loan amount by the home's value. The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.

Closed-End Home Equity Loan Rates

Type Term APR*
Type:
Closed End Home Equity Loan
Term:
5 Year Term
APR*:
3.24% to 8.24%
Type:
Closed End Home Equity Loan
Term:
10 Year Term
APR*:
4.99% to 9.49%
Type:
Closed End Home Equity Loan
Term:
15 Year Term
APR*:
5.49% to 8.74%
Type:
Closed End Home Equity Loan
Term:
20 Year Term
APR*:
6.24% to 7.74%

The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.

Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.

Homeowners Advantage Loan Rates

Type Term APR*
Type:
Homeowners Advantage Loan
Term:
up to 120 months
APR*:
9.49% to 15.99%

*APR = Annual Percentage Rate. The APR you receive for advances will be within the range disclosed above and is based on the member's credit history. Not all members will qualify for the best or lowest rate and the credit union will evaluate your credit history at the time of every advance. No Equity Required.

Share Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Share Savings
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Quarterly
Type:
Spare Share Savings
Dividend Rate:
0.050%
APY*:
0.05%
Balances:
$50 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Quarterly
Type:
Sprout Share Savings
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$25 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Quarterly
Type:
Flex Share Savings
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$25 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Quarterly

*APY=Annual Percentage Yield. Dividend Rate and Annual Percentage Yield may change at any time in the discretion of the Credit Union. Fees may reduce earnings. Limited to six (6) preauthorized, automatic, telephonic, or audio response transfers to another account with us or to a third party during a fee cycle.

Fixed Rate Certificate Rates

Type Dividend Rate APY* Balances Dividends Compounded
Type:
Fixed Rate Certificate | 6 Month
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 12 Month
Dividend Rate:
0.299%
APY*:
0.30%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 18 Month
Dividend Rate:
0.349%
APY*:
0.35%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 24 Month
Dividend Rate:
0.399%
APY*:
0.40%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 36 Month
Dividend Rate:
0.399%
APY*:
0.40%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 48 Month
Dividend Rate:
0.445%
APY*:
0.45%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate Certificate | 60 Month
Dividend Rate:
0.748%
APY*:
0.75%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly

No additional deposits allowed except at maturity or during the grace period.

Access, Choice, and Smart Start Certificate Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Access Certificate | 12 Months
Dividend Rate:
0.250%
APY*:
0.25%
Balances:
$25.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Choice Certificate | 36 Month | New Money Only
Dividend Rate:
0.349%
APY*:
0.35%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Choice Certificate | 60 Month | New Money Only
Dividend Rate:
0.698%
APY*:
0.70%
Balances:
$1,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
Smart Start Variable Rate Certificate | 24 Months
Dividend Rate:
0.349%
APY*:
0.35%
Balances:
$100.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

Access Certificate - Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal allowed during the term.

Smart Start Variable Certificate - Additional deposits allowed during the term, $5 minimum. Dividend rate & APY subject to change during the term.

Choice Certificate 36 Month - One bump rate allowed after first 12 months and additional new money deposit allowed at time of bump minimum deposit of $1000.00.

Choice Certificate 60 Month - Two bump rates allowed after first 12 months and additional new money deposit allowed at time of bump minimum deposit of $1000.00.

Money Market Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Money Market
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$2,500 - $9,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Money Market
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$10,000 - $24,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Money Market
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$25,000 - $49,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Money Market
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$50,000 - $74,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Money Market
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$75,000 - $99,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Money Market
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$100,000 +
Dividends Compounded:
Monthly
Dividends Credited:
Monthly

Transactions are limited to six (6) transfers or withdrawals during a monthly statement cycle to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.

The Money Market and Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.

The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month. The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.

Premium Money Market Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Premium Money Market
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$0 - $24,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Premium Money Market
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$25,000 - $49,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Premium Money Market
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$50,000 - $99,999
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Premium Money Market
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$100,000 +
Dividends Compounded:
Monthly
Dividends Credited:
Monthly

Transactions are limited to six (6) transfers or withdrawals during a monthly statement cycle to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.

The Money Market and Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.

The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month. The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.

ChangeUp Savings Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
ChangeUp Savings Account | $0.00 to $2,000.00 Tier
Dividend Rate:
1.491%
APY*:
1.50%
Balances:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly
Type:
ChangeUp Savings Account | $2,000.01 + Tier
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$2,000.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Dividends Credited:
Quarterly

Checking Account (Share Draft) Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
Type:
Full Circle Checking | $0-$999.99 Tier
Dividend Rate:
N/A
APY*:
N/A
Balances:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Full Circle Checking | $1,000 + Tier
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$1,000 Minimum Balance to Earn Stated APY
Dividends Compounded:
Monthly
Dividends Credited:
Monthly
Type:
Go Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Flex Checking
Dividend Rate:
N/A
APY*:
N/A
Balances:
$5 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A
Type:
Restricted Transactions
Dividend Rate:
N/A
APY*:
N/A
Balances:
$25 Minimum Opening Deposit
Dividends Compounded:
N/A
Dividends Credited:
N/A

Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can avoid the monthly fee by making 15 debit card transactions per month (excluding ATM transactions and recurring payments) or by having a Fortera loan (mortgages and credit cards are included).

Restricted Transactions have a $10.00 Monthly Fee.

Cumulative IRA Share Rates

Type Dividend Rate APY* Balances Dividends Compounded
Type:
Cumulative IRA Share | $5.00 - $9,999.99
Dividend Rate:
0.100%
APY*:
0.10%
Balances:
$5.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Cumulative IRA Share | $10,000.00 - $24,999.99
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$10,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Cumulative IRA Share | $25,000.00 - $49,999.99
Dividend Rate:
0.150%
APY*:
0.15%
Balances:
$25,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Cumulative IRA Share | $50,000.00 - $74,999.99
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$50,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Cumulative IRA Share | $75,000.00 - $99,999.99
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$75,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Cumulative IRA Share | $100,000.00 +
Dividend Rate:
0.200%
APY*:
0.20%
Balances:
$100,000.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly

The Cumulative IRA is a tiered account. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.

Fixed Rate IRA Certificate Rates

Type Dividend Rate APY* Balances Dividends Compounded
Type:
Fixed Rate IRA Certificate | 12 Month
Dividend Rate:
0.299%
APY*:
0.30%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate IRA Certificate | 18 Month
Dividend Rate:
0.349%
APY*:
0.35%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate IRA Certificate | 24 Month
Dividend Rate:
0.399%
APY*:
0.40%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate IRA Certificate | 36 Month
Dividend Rate:
0.399%
APY*:
0.40%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate IRA Certificate | 48 Month
Dividend Rate:
0.445%
APY*:
0.45%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Fixed Rate IRA Certificate | 60 Month
Dividend Rate:
0.748%
APY*:
0.75%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly

No deposits allowed except at maturity or during the grace period.

Smart Start and Variable Rate IRA Certificate Rates

Type Dividend Rate APY* Balances Dividends Compounded
Type:
Smart Start IRA Certificate | 12 Month
Dividend Rate:
0.250%
APY*:
0.25%
Balances:
$100.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly
Type:
Variable Rate IRA Certificate | 18 Months
Dividend Rate:
0.299%
APY*:
0.30%
Balances:
$500.00 Minimum Balance to Earn Stated APY
Dividends Compounded:
Quarterly

Smart Start IRA Certificate - Additional deposits allowed during the term, $5 minimum.

Variable Rate IRA Certificate - Additional deposits allowed, $5 minimum. Dividend rate & APY subject to change during the term.

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