Rates & Fees

Great Rates for Our Members

One of the benefits of being a member of First Entertainment Credit Union is our higher returns on savings and lower loan rates. Click on the links below to see our current rates for a variety of products. You’ll also find a listing of our low fees. To find rates by telephone, call 888.800.3328 during business hours.

• Savings, Checking, Money Market, IRA, & HSA Rates
• Term Savings Certificates Rates
• Auto Loan Rates
• Personal Loan Rates
• Union Dues Loan Rates
• Visa^® Credit Card Rates
• Secured Loan Rates
• Recreational Vehicle Loan Rates
• Fees and Service Rates - Consumer Accounts
• Fees and Service Rates - Business Members
• Home Equity Loan and Line of Credit Rates
• Mortgage Center and Mortgage Rates

Savings, Checking, Money Market & Term Certificates

• Savings, Checking, Money Market, IRA, & HSA Rates

  Effective Date: March 26, 2023

  	Minimum Opening Balance	Minimum to Earn APY	APY*
  First500 Savings**	$0.00	$5.00	2.00%
  First500 Savings Base Rate**	$0.00	$5.00	0.20%
  Business Savings***	$0.00	$250.00	0.20%
  Money Market Savings (Consumer)	$2,500	$10,000†	0.80%
  Money Market Savings (Consumer)	$10,000	$25,000†	0.85%
  Money Market Savings (Consumer)	$25,000	$50,000†	0.90%
  Money Market Savings (Consumer)	$50,000	$100,000†	0.95%
  Money Market Savings (Consumer)	$100,000	$250,000†	1.05%
  Money Market Savings (Consumer)	$250,000	and up†	1.15%
  Money Market Savings (Business)	$2,500	$10,000†	0.70%
  Money Market Savings (Business)	$10,000	$25,000†	0.75%
  Money Market Savings (Business)	$25,000	$50,000†	0.80%
  Money Market Savings (Business)	$50,000	$100,000†	0.85%
  Money Market Savings (Business)	$100,000	$250,000†	1.00%
  Money Market Savings (Business)	$250,000	and up†	1.10%
  Coogan (Youth) Account^	$50.00††	$5.00††	0.20%
  Secondary Savings	$0.00	$0.00	0.20%
  Health Savings Account (HSA)^^	$0.00	$0.00	0.90%
  Holiday Savings ^^^	$0.00	$0.00	0.80%
  IRA (Daily)	$0.00	$0.00	0.40%
  Advantage Checking†††	$0.00	$0.00	0.10%
  Value Checking	$0.00	n/a	n/a
  Teen Checking	$1.00	n/a	n/a
  Business Essentials	$100.00	n/a	n/a
  Business Advantage Checking	$500.00	n/a	n/a

    *APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.

   **The APY for an account balance up to $500 in a First500 Account will be 2.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. First500 Youth Accounts will earn 2.00% APY on account balances up to $500 with Internet access and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.

  ***The APY for an account with a minimum daily balance of $250 or more. No dividends will be paid on balances below $250. If the minimum daily balance requirement is not met, a monthly service charge will apply (as disclosed in the Business Account Schedule of Fees and Charges) unless I maintain an active Business Checking Account. Check with the credit union for complete details. Business Savings Accounts are not eligible for the First500 Savings Account bump rate.

    ^†Rate on our multi-tiered Money Market Account is based on the Account’s daily balance. Account balances below $2,500 earn no dividends.

   ^††There is a minimum balance requirement of $50 for this account.

    ^The APY for an account balance up to $500 in First500 Youth Accounts (or Coogan Accounts) will be 2.00% APY on account balances up to $500 with Internet access and eStatement only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice.

   ^^One HSA per member. No minimum balance. Inherited accounts are still considered HSAs and are subject to no tax consequences unless unqualified withdrawals are made. Not intended as tax advice, please consult your tax advisor for details.

  ^^^No withdrawals are allowed prior to disbursement. Any withdrawal forfeits all dividends and closes account. Account balances above $5,000 earn the First500 Savings Base Rate.

  Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency.

  Fees and penalties may reduce earnings.

  ^†††To avoid a monthly service fee, a minimum daily checking account balance of $1,000 or an aggregate daily balance of $4,000 among all credit union accounts is required.

   

   

• Term Savings Certificate Rates

  Effective Date: March 26, 2023

  Regular Certificates

  Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
  6 Months	1.85% APY*	2.00% APY*	2.15% APY*
  Special 9 Months Promo	N/A	3.50% APY† ($5,000 minimum)	3.50% APY†
  1 Year	2.15% APY*	2.30% APY*	2.45% APY*
  Special 14 Months Promo	N/A	5.00% APY†† ($5,000 minimum, new money only)	5.00% APY††
  2 Years	2.40% APY*	2.55% APY*	2.70% APY*
  3 Years	2.65% APY*	2.80% APY*	2.95% APY*
  4 Years	2.90% APY*	3.05% APY*	3.20% APY*
  5 Years	3.15% APY*	3.30% APY*	3.45% APY*

   

  Retirement Certificates

  Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
  6 Months	2.05% APY*	2.20% APY*	2.35% APY*
  Special 9 Months Promo	N/A	3.50% APY‡ ($5,000 minimum)	3.50% APY‡
  1 Year	2.35% APY*	2.50% APY*	2.65% APY*
  Special 14 Months Promo	N/A	5.00% APY‡ ‡ ($5,000 minimum, new money only)	5.00% APY‡ ‡
  2 Years	2.60% APY*	2.75% APY*	2.90% APY*
  3 Years	2.85% APY*	3.00% APY*	3.15% APY*
  4 Years	3.10% APY*	3.25% APY*	3.40% APY*
  5 Years	3.35% APY*	3.50% APY*	3.65% APY*

   

  Business Certificates

  Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
  6 Months	1.65% APY*	1.80% APY*	1.95% APY*
  1 Year	1.95% APY*	2.10% APY*	2.25% APY*
  2 Years	2.20% APY*	2.35% APY*	2.50% APY*
  3 Years	2.45% APY*	2.60% APY*	2.75% APY*
  4 Years	2.70% APY*	2.85% APY*	3.00% APY*
  5 Years	2.95% APY*	3.10% APY*	3.25% APY*

  * Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period.

  ^† APY = Annual Percentage Yield. Rate and term valid as of March 20, 2023, for a 9-month Savings Certificate only. The new 9-month Term Savings Certificate must be opened with at least $5,000 or more. After the account is opened, additional deposits to the Account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the 9-month, funds will roll over to a 6-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate.

  ^†† APY = Annual Percentage Yield. Available for new money only. New money is defined as funds not currently or previously on deposit with First Entertainment Credit Union in the last 30 days. Rate and term valid as of March 20, 2023, for a 14-month Savings Certificate only. The new 14-month Term Savings Certificate must be opened with at least $5,000 or more. After the account is opened, additional deposits to the Account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the 14 months, funds will roll over to a 12-month Term Savings Certificate at the then current rate. See Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. Maximum of $5,000,000 per member in this special 14-month Term Certificate product.

  ^‡ APY = Annual Percentage Yield. Rate and term valid as of March 20, 2023, for a 9-month IRA Certificate only. New 9-month IRA Certificate must be opened with at least $5,000 or more. After the account is opened, additional deposits to the Account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the 9-month, funds will roll over to a 6-month IRA certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate.

  ^{‡ ‡}  APY = Annual Percentage Yield. Available for new money only. New money is defined as funds not currently or previously on deposit with First Entertainment Credit Union in the last 30 days. Rate and term valid as of March, 20, 2023, for a 14-month IRA Certificate only. New 14-month IRA Certificate must be opened with at least $5,000 or more. After the account is opened, additional deposits to the Account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the 14-month, funds will roll over to a 12-month IRA certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate.

  IRA Certificates are also available for the rates and terms shown above. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here.

  Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency.

  Fees and penalties may reduce principal.

  Open Your Certificate Today

Loans & Credit Card

• Auto Loan Rates

  Effective Date: January 3, 2023

  Type	Rates (APR) as low as	Maximum Amount Financed	Minimum Amount Financed	Maximum Years to Repay‡
  NEW* (Not Including Rate Discounts)	4.74%	up to 120% MSRP†	$2,500	3 Years‡
  	4.99%	up to 120% MSRP†	$8,500	4 Years
  	5.24%	up to 120% MSRP†	$10,000	5 Years
  	5.49%	up to 120% MSRP†	$15,000	6 Years
  	6.49%	up to 120% MSRP†	$25,000	7 Years
  USED** (Not Including Rate Discounts)	4.99%	up to 120% RKBB†	$2,500	3 Years‡
  	5.24%	up to 120% RKBB†	$8,500	4 Years
  	5.49%	up to 120% RKBB†	$10,000	5 Years
  	5.94%	up to 120% RKBB†	$15,000	6 Years
  	6.99%	up to 120% RKBB†	$25,000	7 Years

  * NEW vehicles: Any current year or previous year models with less than 10,000 miles.

  ** USED vehicles: Pre-owned vehicles with Wholesale Kelley Blue Book value exceeding $2,500. For used vehicles older than 6 years or with more than 100,000 miles, please call the Credit Union for current details and rates.

  ***Sales Price includes purchase price, tax, GAP, MBI, license, and service contract.

  † Maximum Loan amount – NEW: up to 120% Retail Kelly Blue Book; USED: up to 120% Retail Kelly Blue Book (84 months max).

  ‡ Rate And Term Dependent on Loan Amount.

• Personal Loan Rates

  Effective Date: March 26, 2023

  Type	APR1 (as low as)	Maximum Financed	Loan Amount	Maximum Term
  Personal Loan	6.90%	$30,000	$500 - $30,000	3 Yrs
  Personal Loan	7.40%	$30,000	$5,000 - $30,000	4 Yrs
  Personal Loan	7.90%	$30,000	$10,000 - $30,000	5 Yrs
  Personal Line of Credit	11.90%	$30,000	$500 - $3,000

• Union Dues Loan Rates

  Effective Date: March 26, 2023

  Type	APR* (as low as)	Maximum Financed	Loan Amount	Maximum Term
  Union Dues Loan*	5.90%	$10,000	$500 - $10,000	3 Years

  *APR = Annual Percentage Rate. Loan proceeds must be “Paid Directly” to the Union and/ or Guild. All loans subject to credit approval. Not all members may qualify for the preferred rate; other rates and terms may apply. Loan proceeds may not be used to refinance existing First Entertainment Credit Union loans. Offer may be discontinued at any time.

• Visa® Credit Card Rates

  Effective Date: March 26, 2023

  	APR* (as low as)	Maximum Financed	Loan Amount	Maximum Term
  Visa® - Platinum**	13.49% - 21.15%	$25,000	$500 - $25,000	—
  Visa - Preferred Cash***	14.99% - 22.65%	$25,000	$500 - $25,000	—
  Business Visa - Platinum***	14.99% - 22.65%	$50,000	$5,000 - $50,000	—
  Business Visa - Preferred Cash†	16.99% - 24.65%	$50,000	$5,000 - $50,000	—
  Visa - Savings Secured††	21.15% to 22.65%	$2,000	$500 - $2,000	—
  Visa - Spotlight*	17.99% - 26.15%	$50,000	$5,000 - $25,000	—

  * Annual Percentage Rate

  ** APR shown is for Purchases = (Prime + 5.99%) to (Prime + 13.65%) : Cash Advance APR = Purchase APR + 3% : Balance Transfer APR = Purchase APR + 3% : Penalty APR = Same as Purchase APR

  *** APR shown is for Purchases = (Prime + 7.49%) to (Prime + 15.15%) : Cash Advance APR = Purchase APR + 3% : Balance Transfer APR = Purchase APR + 3% : Penalty APR = Same as Purchase APR

  † APR shown is for Purchases = (Prime + 9.49%) to (Prime + 17.15%) : Cash Advance APR = Purchase APR + 3% : Balance Transfer APR = Purchase APR + 3% : Penalty APR = Same as Purchase APR

  †† Savings hold is placed equal to credit limit amount, 25 day grace period on purchases.
  
  – No Annual Fee for Visa Platinum, Visa Preferred Cash, Business Visa Platinum, Business Visa Preferred, and Visa Savings Secured Credit Cards.
  – $75 Annual Fee for Visa Spotlight Credit Card.
  – Minimum monthly payment for Visa Credit Cards is 2% of statement balance or $5, whichever is greater.
  – Minimum monthly payment for Business Visa Credit Cards is 2% of statement balance or $10, whichever is greater.

• Secured Loan Rates

  Effective Date: March 26, 2023

  	APR*	Maximum Financed	Maximum Term
  Savings Secured	Variable rate 3% above First500 Savings Base Rate	100% of Deposit	5 Years‡
  Certificate Secured	3% above Certificate Rate	90% Certificate	60 months or certificate maturity; whichever is less

  Annual Percentage Rate
  For example, based on an average rate of 3.10% for Savings Secured loan up to 60 months, your monthly payment would be approximately $18.01 per $1,000 borrowed.

  ‡ Term dependent upon loan amount.

• Recreational Vehicle Loan Rates

  Effective Date: March 26, 2023

  Type	APR	Maximum Amount Financed	Loan Amount	Maximum Years to Repay
  RV's, Travel Trailers & Boats (NEW)	6.90%	100%**	$15,000+	5 to 7 years‡
  RV's, Travel Trailers & Boats (NEW)	7.40%	100%**	$50,000-100,000	10 years‡
  RV's, Travel Trailers & Boats (USED)1	7.90%	90%**	$50,000-100,000	10 years‡
  RV's, Travel Trailers & Boats (USED)1	8.40%	90%**	$25,000+	7 years‡
  RV's, Travel Trailers & Boats (USED)1	8.90%	90%**	$50,000-100,000	10 years‡
  Motorcycle (80% financing)	5.00% 5.25% 5.50% 5.75%	New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book. Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.	—	Up to 6 years‡
  Motorcycle (90% financing)	5.00% 5.25% 5.50% 5.75%	New: Up to 90% of purchase price including tax and license, not to exceed 100% of Retail Kelly Blue Book. Used: Up to 90% of purchase price including tax and license, or up to 90% of Wholesale Blue Book, whichever is lower. Max. age 10 years.	—	Up to 6 years‡
  Off Road Vehicles (new only)	12.90%	80%	—	3 years

  ¹ USED RV’s, Travel Trailers & Boats are: Older than 6-yrs and/or with more than 100,000 miles – please call the Credit Union for current rates and details.

  Annual Percentage Rate:
  For example, based on an average rate of 6.90% for new RV’s, Travel Trailers and Boats up to 72 months, your monthly payment would be approximately $17.00 per $1,000 borrowed. Based on an average rate of 7.90% APR for used RV’s, Travel Trailers and Boats (maximum age 6 years old) for up to 60 months, your monthly payment would be approximately $20.23 per $1,000 borrowed. For example, based on an average rate of 4.75% for new or used motorcycles up to 72 months (80% financing), your monthly payment would be approximately $15.99 per $1,000 borrowed. For example, based on an average rate of 5.00% for new or used motorcycles up to 72 months (90% financing), your monthly payment would be approximately $16.10 per $1,000 borrowed. For example, based on an average rate of 12.90% for new Off Road Vehicles up to 36 months, your monthly payment would be approximately $33.65 per $1,000 borrowed. No additional discounts may be applied to these rates.

  ** Maximum amount financed is the percentage of purchase price, appraised value, or Wholesale bluebook where applicable, and whichever is less. Financing also includes tax, license and service contract (for RV’s).

  ‡ Term dependent upon loan amount.

Fees

• Schedule of Fees and Charges - Consumer Accounts

  Effective Date: March 26, 2023

  Item Description	Fee or charge
  Cashier’s Checks Payable to Third Party	$5.00
  Account-to-Account ACH Returns	$20.00
  Check Printing	varies by style
  Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)	$5.00
  Escheat Notice	$2.00
  Insufficient Funds (NSF)(each)	$29.00
  IRA Annual Maintenance Fee	$15.00
  IRA Transfer to Another Institution	$35.00
  Legal Processing (per hour, except where prohibited by law)	$50.00
  Levy, Subpoena Processing (each)	$60.00
  Monthly Service Fee (First500 Savings Account)1	$6.00
  Overdraft Fee (each)2	$19.00
  Overdraft Protection Transfers from Savings (per transaction)2	$3.00
  Par Value	$1.00
  Payments by Phone	$5.00
  Research/Account Reconciliation (per hour) ($25.00 minimum plus any related document copy fees, except if prohibited by Law)3	$25.00
  Returned Deposited/Cashed Item3	$20.00
  Rush Delivery Charges (cards or documents requested for expedited delivery)	$50.00
  Skip-a-Pay/Loan Extension	$30.00
  Stop Payment Request (check or ACH)3	$20.00
  Verification of Deposit	$15.00
  Wire Transfer - Domestic (outgoing)	$25.00
  Wire Transfer - International (outgoing)	$50.00
  Zelle®	$0.00

  ¹See Member Account Agreement and Disclosure for specific details on the terms of this account/service and when this fee is charged.

  ²See Member Account Agreement and Disclosure for specific details on the Overdraft program.

  ³ No charges are assessed in connection with the investigation of an alleged billing error.

  ⁴ An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

• Value Checking

  VALUE CHECKING	Fee or charge
  Monthly Service Charge With eStatements	$0
  Monthly Service Charge Without eStatements	$6.00
  Per-Check charges	none
  Dividend bearing	no
  eStatements, Bill Pay, and Mobile Deposits	Free
  Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)	Free
  Out-of-Network ATM Withdrawals (each)*	$2.00

  ^* An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases. Additional surcharges may be assessed by ATM Operators.

• Advantage Checking

  ADVANTAGE CHECKING	Fee or charge
  Monthly Service Charge With Daily Minimum Balance Requirement ($1,000 in Checking or an aggregate daily balance of $4,000 among all credit union accounts)	$0
  Monthly Service Charge Without Daily Minimum Balance Requirement (if daily balance drops below $1,000 in Checking or below $4,000 aggregate among all credit union accounts)	$8.00
  Per-Check charges	none
  Dividend Bearing (Balance required to earn Dividends)	$0.00
  eStatements, Bill Pay, and Mobile Deposits	Free
  Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)	Free
  6 Free Out-of-Network ATM Withdrawals (each thereafter)*	$2.00

  ^* An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases. Additional surcharges may be assessed by ATM Operators.

• Teen Checking

  TEEN CHECKING	Fee or charge
  Monthly Service Charge	$0
  Per-Check charges	none
  Dividend bearing	no
  eStatements, Bill Pay, and Mobile Deposits	Free
  Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)	Free
  Out-of-Network ATM Withdrawals (each)*	$2.00

  ^* An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases. Additional surcharges may be assessed by ATM Operators.

• Schedule of Fees and Charges - Business Members

  Effective Date: March 26, 2023

  Item Description	Fee or charge
  Cashier’s Checks Payable to Third Party	$5.00
  Check Printing	varies by style
  Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)	$5.00
  Escheat Notice	$2.00
  Excessive Card Replacement Fee (more than 2 in 12 months)	$15.00
  Foreign Check Processing/Collection Items (additional bank fees may apply)	$25.00
  Insufficient Funds (NSF)(each)	$29.00
  Legal Processing (per hour, except if prohibited by law)	$60.00
  Levy, Subpoena Processing (each)	$60.00
  Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM operators)1	$2.50
  Overdraft Fee (Each)2	$19.00
  Overdraft Protection Transfers from Savings (per transaction)2	$3.00
  Par Value	$1.00
  Payments by Phone	$5.00
  Research/Account Reconciliation (per hour) ($25.00 minimum plus any related document copy fees, except if prohibited by Law)3	$25.00
  Returned Deposited/Cashed Item3	$20.00
  Rush Delivery Charges (cards or documents requested for expedited delivery)	$50.00
  Stop Payment Request (check or ACH)3	$20.00
  Wire Transfer - Domestic (outgoing)	$25.00
  Wire Transfer - International (outgoing)	$50.00

  ¹ An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

  ² See Business Account Agreement and Disclosure for specific details on the Overdraft program.

  ³ No charges are assessed in connection with the investigation of an alleged billing error.

• Business Online Services

  BUSINESS ONLINE SERVICES - Monthly Service Charge	Fee or charge
  Business Access - Digital Platform	Free
  Business Access with Online ACH Origination (monthly)1	$25.00
  Business Access with Online Wire Origination (monthly)1	$30.00
  Business Access with Online ACH and Wire Origination (monthly)1	$40.00
  Discounted Online Wire Origination Fee for Business Access with Online Wires or Online ACH or Wires (per wire) - Domestic Wire	$15.00
  Discounted Online Wire Origination Fee for Business Access with Online Wires or Online ACH or Wires (per wire) - International Wire	$30.00

  ¹ ACH and Wire Business Access require an application and approval.