Personal

Rates & Fees

DEPOSIT ACCOUNTS

Personal Checking

Account Type

Minimum Opening Balance

Minimum to Earn APY

APY*

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

**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.

Account Type

Advantage Checking**

Minimum Opening Balance

$0.00

Minimum to Earn APY

$0.00

APY*

0.10%

Account Type

Value Checking

Minimum Opening Balance

$0.00

Minimum to Earn APY

n/a

APY*

n/a

Account Type

Youth Checking

Minimum Opening Balance

$1.00

Minimum to Earn APY

n/a

APY*

n/a

Learn more
First500 Savings

Account

Minimum Opening Balance

Minimum to Earn APY

APY*

*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 5.00% 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 5.00% APY on account balances up to $500 with Digital Banking enrollment 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.

Account

First500 Savings**

Minimum Opening Balance

$0.00

Minimum to Earn APY

$5.00

APY*

5.00%

Account

First500 Savings Base Rate**

Minimum Opening Balance

$0.00

Minimum to Earn APY

$5.00

APY*

0.15%

Learn more
Secondary Savings

Minimum Opening Balance

Minimum to Earn APY

APY*

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

Minimum Opening Balance

$0.00

Minimum to Earn APY

$0.00

APY*

0.15%

Learn more
Coogan Account*

Minimum Opening Balance

Minimum to Earn APY

APY**

*The APY for an account balance up to $500 in First500 Youth Accounts (or Coogan Accounts) will be 5.00% 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.

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

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

Minimum Opening Balance

$50.00††

Minimum to Earn APY

$5.00††

APY**

0.15%

Learn More
Personal Money Market Savings

Minimum Opening Balance

Minimum to Earn APY

APY*

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

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

Minimum Opening Balance

$2,500

Minimum to Earn APY

$2,500**

APY*

0.80%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$10,000**

APY*

0.95%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$25,000**

APY*

1.00%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$50,000**

APY*

1.05%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$100,000**

APY*

1.25%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$250,000**

APY*

1.30%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$500,000**

APY*

1.35%

Minimum Opening Balance

$2,500

Minimum to Earn APY

$1,000,000 & up**

APY*

1.65%

Learn more
Term Savings Certificates

Term

$1,000 Minimum

$25,000 Minimum

$100,000 Minimum

* 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 June 10, 2024, for a 13-month Term Savings Certificate only. New 13-month Term Savings Certificate minimum balance required of $2,500 or more to earn 5.10% APY. The maximum total deposit amount for a 13-month Term Savings Certificate is $5,000,000.00 per member. New and existing funds qualify for this offer. 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 promotional 13-month term, funds will roll over to a standard non-promotional 12-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.

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.

Term

6 Months

$1,000 Minimum

2.25% APY*

$25,000 Minimum

2.40% APY*

$100,000 Minimum

2.55% APY*

Term

1 Year

$1,000 Minimum

2.55% APY*

$25,000 Minimum

2.70%*

$100,000 Minimum

2.85% APY*

Term

Special 13 Month Promo

$1,000 Minimum

n/a

$25,000 Minimum

5.10% APY** ($2,500 minimum, new and existing funds)

$100,000 Minimum

5.10% APY** ($2,500 minimum, new and existing funds)

Term

2 Years

$1,000 Minimum

2.80% APY*

$25,000 Minimum

2.95% APY*

$100,000 Minimum

3.10% APY*

Term

3 Years

$1,000 Minimum

3.05% APY*

$25,000 Minimum

3.20% APY*

$100,000 Minimum

3.35% APY*

Term

4 Years

$1,000 Minimum

3.30% APY*

$25,000 Minimum

3.45% APY*

$100,000 Minimum

3.60% APY*

Term

5 Years

$1,000 Minimum

3.55% APY*

$25,000 Minimum

3.70% APY*

$100,000 Minimum

3.85% APY*

Learn more
Retirement Certificates

Term

$1,000 Minimum

$25,000 Minimum

$100,000 Minimum

* 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 June 10, 2024, for a 13-month Term Savings Certificate only. New 13-month Term Savings Certificate minimum balance required of $2,500 or more to earn 5.10% APY. The maximum total deposit amount for a 13-month Term Savings Certificate is $5,000,000.00 per member. New and existing funds qualify for this offer. 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 promotional 13-month term, funds will roll over to a standard non-promotional 12-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.

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.

Term

6 Months

$1,000 Minimum

2.45% APY*

$25,000 Minimum

2.60% APY*

$100,000 Minimum

2.75% APY*

Term

1 Year

$1,000 Minimum

2.75% APY*

$25,000 Minimum

2.90% APY*

$100,000 Minimum

3.05% APY*

Term

Special 13 Month Promo

$1,000 Minimum

n/a

$25,000 Minimum

5.10% APY** ($2,500 minimum, new and existing funds)

$100,000 Minimum

5.10% APY** ($2,500 minimum, new and existing funds)

Term

2 Years

$1,000 Minimum

3.00% APY*

$25,000 Minimum

3.15% APY*

$100,000 Minimum

3.30% APY*

Term

3 Years

$1,000 Minimum

3.25% APY*

$25,000 Minimum

3.40% APY*

$100,000 Minimum

3.55% APY*

Term

4 Years

$1,000 Minimum

3.50% APY*

$25,000 Minimum

3.65% APY*

$100,000 Minimum

3.80% APY*

Term

5 Years

$1,000 Minimum

3.75% APY*

$25,000 Minimum

3.90% APY*

$100,000 Minimum

4.05% APY*

Learn more

CREDIT CARDS & LOANS

Visa® Platinum Credit Card

Credit Card

APR* (as low as)

Loan Amount

* Annual Percentage Rate

Credit Card

Visa® Platinum

APR* (as low as)

14.49% – 22.15%

Loan Amount

$500 – $30,000

Learn more
Visa® Preferred Cash Credit Card

Credit Card

APR* (as low as)

Loan Amount

* Annual Percentage Rate

Credit Card

Visa® Preferred Cash

APR* (as low as)

15.99% – 23.65%

Loan Amount

$500 – $30,000

Learn more
Spotlight Visa® Credit Card

Credit Card

APR* (as low as)

Loan Amount

* Annual Percentage Rate

Credit Card

Spotlight Visa®

APR* (as low as)

18.99% – 27.15%

Loan Amount

$5,000 – $30,000

Learn more
Personal Loans

APR* (as low as)

Maximum Term

Loan Amount

*APR = Annual Percentage Rate. 11.15% APR is the preferred rate for personal loans for amounts from $500 to $30,000 up to three (3) year term. Monthly payment per $1,000 for 36 months at 11.15% APR is $32.81. This payment example is for illustration purposes only. Your actual payment may vary. Not all members will qualify for the preferred rates; other rates and terms may apply. All Credit Union loan programs, rates, terms, and conditions are subject to change without notice. Loan proceeds may not be used to refinance existing First Entertainment Credit Union loans. Debt consolidation loans are subject to direct pay to your creditors. All loans are subject to credit approval. Proof of income may be required depending on your credit rating and other underwriting factors.

Maximum unsecured amount per Member is $30,000, which includes the combined totals on Personal Loans, Union Dues, PLOC, and Credit Cards. Business Credit Cards maximum is $50,000.

APR* (as low as)

11.15%

Maximum Term

3 Years

Loan Amount

$500 – $30,000

APR* (as low as)

11.65%

Maximum Term

4 Years

Loan Amount

$5,000 – $30,000

APR* (as low as)

11.90%

Maximum Term

5 Years

Loan Amount

$10,000 – $30,000

Learn more
Union Dues Loans

APR* (as low as)

Maximum Term

Loan Amount

*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.

Maximum unsecured amount per Member is $30,000, which includes the combined totals on Personal Loans, Union Dues, PLOC, and Credit Cards. Business Credit Cards maximum is $50,000.

APR* (as low as)

10.15%

Maximum Term

3 Years

Loan Amount

$500 – $10,000

Learn More
Personal Line of Credit

APR* (as low as)

Loan Amount

*APR = Annual Percentage Rate. 11.90% APR is the preferred rate for personal lines of credit. Minimum Payment: $18.00 per $500.00 of the monthly outstanding balance or $40.00, whichever is greater.  However, your minimum payment will never exceed your outstanding balance. Not all members will qualify for the preferred rates; other rates and terms may apply. All Credit Union loan programs, rates, terms, and conditions are subject to change without notice. Loan proceeds may not be used to refinance existing First Entertainment Credit Union loans. Debt consolidation loans are subject to direct pay to your creditors. All loans are subject to credit approval. 

Maximum unsecured amount per Member is $30,000, which includes the combined totals on Personal Loans, Union Dues, PLOC, and Credit Cards. Business Credit Cards maximum is $50,000.  

 

APR* (as low as)

11.90%

Loan Amount

$500 – $3,000

Learn more

HOME EQUITY LENDING

Home Equity Line of Credit (HELOC)

Type of Ownership 

Maximum CLTV

Interest Rate

Loan Amount

Maximum Years to Pay

Annual Percentage Rates and terms subject to change without notice. All loans are subject to credit, income, and collateral approval.
Combined Loan to value (CLTV) – 1st mortgage balance and new HELOC loan amount Prime Rate is based on that published by the Wall Street Journal.
Alternative rates and terms apply depending on applicant’s credit and collateral qualifications.

Type of Ownership 

Owner Occupied 60%

Maximum CLTV

Maximum 60%

Interest Rate

9.00%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 70%

Maximum CLTV

Maximum 70%

Interest Rate

9.24%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 80%

Maximum CLTV

Maximum 80%

Interest Rate

9.50%

Loan Amount

$25,000-$500,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Owner Occupied 90%

Maximum CLTV

Maximum 90%

Interest Rate

9.74%

Loan Amount

$25,000-$250,000

Maximum Years to Pay

10 year draw/15 year repayment

Type of Ownership 

Non-Owner Occupied (Investment)

Maximum CLTV

Maximum 60%

Interest Rate

11.50%

Loan Amount

$25,000-$250,000

Maximum Years to Pay

10 year draw/15 year repayment

 

Home Equity Fixed Rate

Type of Ownership

Interest Rate

APR*

Maximum CLTV**

Loan Amount

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a 45 day Locked Commitment. APR examples above are based on an owner-occupied, detached single family residence, loan amount of $200,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 45-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest.

*APR – Annual Percentage Rate- The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees.

** Combined Loan to value (CLTV) All second liens greater than 80% are limited to Owner Occupied transactions.

Type of Ownership

Owner Occupied 60%

Interest Rate

7.500%

APR*

7.536%

Maximum CLTV**

Maximum 60%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 70%

Interest Rate

7.500%

APR*

7.551%

Maximum CLTV**

Maximum 70%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 80%

Interest Rate

7.500%

APR*

7.551%

Maximum CLTV**

Maximum 80%

Loan Amount

$45,000-$500,000

Type of Ownership

Owner Occupied 90%

Interest Rate

8.500%

APR*

8.560%

Maximum CLTV**

Maximum 90%

Loan Amount

$45,000-$250,000

Type of Ownership

Non-Owner Occupied (Investment) 60%

Interest Rate

8.500%

APR*

8.560%

Maximum CLTV**

Maximum 60%

Loan Amount

$45,000-$250,000

Learn more

MORTGAGE LOANS

Fixed and Adjustable Rate Mortgages

Term

Rate

APR*

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.

*APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.

Term

30 YEAR FIXED

Rate

6.875%

APR*

6.935%

Term

30 YEAR FIXED JUMBO

Rate

6.875%

APR*

6.913%

Term

15 YEAR FIXED

Rate

6.375%

APR*

6.469%

Term

10/1 ARM

Rate

7.250%

APR*

7.434%

Term

7/1 ARM

Rate

7.125%

APR*

7.421%

Term

5/5 ARM

Rate

7.000%

APR*

6.837%

Term

5/1 ARM

Rate

6.875%

APR*

7.378%

Term

3/3 ARM

Rate

6.750%

APR*

6.809%

Learn more

VEHICLE LOANS

New Auto Loans (Not Including Rate Discounts)

APR (as low as)

Maximum Years to Repay*

Minimum Amount Financed

NEW vehicles: Any current year or previous year models with less than 10,000 miles.
*Rate And Term Dependent on Loan Amount.
Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).

APR (as low as)

6.99%

Maximum Years to Repay*

3 Years*

Minimum Amount Financed

$2,500

APR (as low as)

7.24%

Maximum Years to Repay*

4 Years

Minimum Amount Financed

$8,500

APR (as low as)

7.49%

Maximum Years to Repay*

5 Years

Minimum Amount Financed

$10,000

APR (as low as)

7.74%

Maximum Years to Repay*

6 Years

Minimum Amount Financed

$15,000

APR (as low as)

8.24%

Maximum Years to Repay*

7 Years

Minimum Amount Financed

$25,000

Learn more
Used Auto Loans (Not Including Rate Discounts)

APR (as low as)

Maximum Years to Repay*

Minimum Amount Financed

USED vehicles: Any vehicle that doesn’t match NEW vehicle requirements. 
*Rate And Term Dependent on Loan Amount.
Maximum Loan amount financed – NEW: up to 120% Manufacturer Suggested Retail Price (MSRP); USED: up to 120% Retail Kelly Blue Book (84 months max).

APR (as low as)

7.24%

Maximum Years to Repay*

3 Years*

Minimum Amount Financed

$2,500

APR (as low as)

7.49%

Maximum Years to Repay*

4 Years

Minimum Amount Financed

$8,500

APR (as low as)

7.74%

Maximum Years to Repay*

5 Years

Minimum Amount Financed

$10,000

APR (as low as)

8.24%

Maximum Years to Repay*

6 Years

Minimum Amount Financed

$15,000

APR (as low as)

8.74%

Maximum Years to Repay*

7 Years

Minimum Amount Financed

$25,000

Learn more
New RVs, Travel Trailers & Boats

APR*

Maximum Financed **

Loan Amount

Maximum Years to Repay***

*Annual Percentage Rate:
For example, based on an average rate of 8.99% for new RV’s, Travel Trailers and Boats up to 72 months, your monthly payment would be approximately $18.02 per $1,000 borrowed. Based on an average rate of 9.24% 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 $20.88 per $1,000 borrowed. No additional discounts may be applied to these rates.

**Maximum is up to 90% of vehicle value.

***Term dependent upon loan amount.

APR*

8.74%

Maximum Financed **

90%

Loan Amount

$15,000

Maximum Years to Repay***

5 years

APR*

8.99%

Maximum Financed **

90%

Loan Amount

$15,000

Maximum Years to Repay***

6 years

APR*

9.24%

Maximum Financed **

90%

Loan Amount

$25,000

Maximum Years to Repay***

7 years

APR*

9.74%

Maximum Financed **

90%

Loan Amount

$50,000

Maximum Years to Repay***

10 years

Used RVs, Travel Trailers & Boats

APR*

Maximum Financed Amount**

Loan Amount

Maximum Years to Repay***

USED RVs, 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 8.99% for new RV’s, Travel Trailers and Boats up to 72 months, your monthly payment would be approximately $18.02 per $1,000 borrowed. Based on an average rate of 9.24% 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 $20.88 per $1,000 borrowed. No additional discounts may be applied to these rates.

**Maximum is up to 90% of vehicle value.

***Term dependent upon loan amount.

APR*

9.24%

Maximum Financed Amount**

90%

Loan Amount

$15,000

Maximum Years to Repay***

5 years

APR*

9.49%

Maximum Financed Amount**

90%

Loan Amount

$15,000

Maximum Years to Repay***

6 years

APR*

9.74%

Maximum Financed Amount**

90%

Loan Amount

$25,000

Maximum Years to Repay***

7 years

APR*

10.24%

Maximum Financed Amount**

90%

Loan Amount

$50,000

Maximum Years to Repay***

10 years

Learn more
New Motorcycle Loans

APR*

Maximum Amount Financed**

Loan Amount 

Maximum Years to Repay***

NEW: Listed as new on purchase order.

*Annual Percentage Rate:
For example, based on an average rate of 7.99% for new Motorcycle up to 36 months, your monthly payment would be approximately $31.33 per $1,000 borrowed. Based on an average rate of 8.49% APR for used Motorcycle for up to 36 months, your monthly payment would be approximately $31.56 per $1,000 borrowed. No additional discounts may be applied to these rates.

**Maximum is up to 90% of vehicle value.

***Term dependent upon loan amount.

APR*

7.99%

Maximum Amount Financed**

90%

Loan Amount 

$2,500

Maximum Years to Repay***

3 years

APR*

8.49%

Maximum Amount Financed**

90%

Loan Amount 

$8,500  

Maximum Years to Repay***

4 years

APR*

8.74%

Maximum Amount Financed**

90%

Loan Amount 

$10,000

Maximum Years to Repay***

5 years

APR*

8.99%

Maximum Amount Financed**

90%

Loan Amount 

$15,000

Maximum Years to Repay***

6 years

Learn more
Used Motorcycle Loans

APR*

Maximum Amount Financed**

Loan Amount

Maximum Years to Repay***

NEW: Listed as new on purchase order.

*Annual Percentage Rate: For example, based on an average rate of 7.99% for new Motorcycle up to 36 months, your monthly payment would be approximately $31.33 per $1,000 borrowed. Based on an average rate of 8.49% APR for used Motorcycle for up to 36 months, your monthly payment would be approximately $31.56 per $1,000 borrowed. No additional discounts may be applied to these rates. 

**Maximum is up to 90% of vehicle value.

***Term dependent upon loan amount.

APR*

8.49%

Maximum Amount Financed**

90%

Loan Amount

$2,500

Maximum Years to Repay***

3 years

APR*

8.99%

Maximum Amount Financed**

90%

Loan Amount

$2,500

Maximum Years to Repay***

4 years

APR*

9.24%

Maximum Amount Financed**

90%

Loan Amount

$10,000

Maximum Years to Repay***

5 years

APR*

9.49%

Maximum Amount Financed**

90%

Loan Amount

$15,000

Maximum Years to Repay***

6 years

Learn more
New Off Road Vehicle Loans

APR*

Maximum Amount Financed**

Loan Amount

Maximum Years to Repay***

*Annual Percentage Rate:

For example, based on an average rate of 7.99% for New Off Road Vehicle up to 36 months, your monthly payment would be approximately $31.33 per $1,000 borrowed. No additional discounts may be applied to these rates.

**Maximum is up to 90% of vehicle value.

***Term dependent upon loan amount.

APR*

7.99%

Maximum Amount Financed**

80%

Loan Amount

$2,500

Maximum Years to Repay***

3 years

APR*

8.49%

Maximum Amount Financed**

80%

Loan Amount

$8,500

Maximum Years to Repay***

4 years

APR*

8.74%

Maximum Amount Financed**

80%

Loan Amount

$15,000

Maximum Years to Repay***

5 years

Learn more

FEE SCHEDULE

Schedule of Fees & Charges – Personal Accounts

Item Description

Fee or charge

*See Member Account Agreement and Disclosure for specific details on the terms of this account/service and when this fee is charged.
**See Member Account Agreement and Disclosure for specific details on the Overdraft program.
***No charges are assessed in connection with the investigation of an alleged billing error.
****An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.

Item Description

Cashier’s Checks Payable to Third Party

Fee or charge

$5.00

Item Description

Account-to-Account ACH Returns

Fee or charge

$20.00

Item Description

Check Printing

Fee or charge

varies by style

Item Description

Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)

Fee or charge

$5.00

Item Description

Escheat Notice

Fee or charge

$2.00

Item Description

Insufficient Funds (NSF)(each)

Fee or charge

$29.00

Item Description

IRA Annual Maintenance Fee

Fee or charge

$15.00

Item Description

IRA Transfer to Another Institution

Fee or charge

$35.00

Item Description

Legal Processing (per hour, except where prohibited by law)

Fee or charge

$50.00

Item Description

Levy, Subpoena Processing (each)

Fee or charge

$60.00

Item Description

Monthly Service Fee (First500 Savings Account)*

Fee or charge

$6.00

Item Description

Overdraft Fee (each)**

Fee or charge

$19.00

Item Description

Overdraft Protection Transfers from Savings (per transaction)**

Fee or charge

$3.00

Item Description

Par Value

Fee or charge

$1.00

Item Description

Payments by Phone

Fee or charge

$5.00

Item Description

Research/Account Reconciliation (per hour) ($25.00 minimum plus any related document copy fees, except if prohibited by Law)***

Fee or charge

$25.00

Item Description

Returned Deposited/Cashed Item***

Fee or charge

$20.00

Item Description

Rush Delivery Charges (cards or documents requested for expedited delivery)

Fee or charge

$50.00

Item Description

Skip-a-Pay/Loan Extension

Fee or charge

$30.00

Item Description

Stop Payment Request (check or ACH)***

Fee or charge

$20.00

Item Description

Verification of Deposit

Fee or charge

$15.00

Item Description

Wire Transfer – Domestic (outgoing)

Fee or charge

$25.00

Item Description

Wire Transfer – International (outgoing)****

Fee or charge

$50.00

Item Description

Zelle®

Fee or charge

$0.00

Item Description

Fee or charge

Value Checking Account Fees

VALUE CHECKING

Fee or charge

*Additional surcharges may apply. Fee is not charged to Value Checking accounts with at least $1,000 per month in direct deposits and receive up to $15 per month in ATM surcharge-fee rebates per month.

VALUE CHECKING

Monthly Service Charge With eStatements

Fee or charge

$0

VALUE CHECKING

Monthly Service Charge Without eStatements

Fee or charge

$6.00

VALUE CHECKING

Per-Check charges

Fee or charge

None

VALUE CHECKING

Dividend bearing

Fee or charge

None

VALUE CHECKING

eStatements, Bill Pay, and Mobile Deposits

Fee or charge

Free

VALUE CHECKING

Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

Fee or charge

Free

VALUE CHECKING

Out-of-Network ATM Withdrawals (each)*

Fee or charge

$2.00

Advantage Checking Account Fees

ADVANTAGE CHECKING

Fee or charge

*Additional surcharges may be assessed by ATM Operators.

ADVANTAGE CHECKING

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)

Fee or charge

$0

ADVANTAGE CHECKING

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)

Fee or charge

$8.00

ADVANTAGE CHECKING

Per-Check charges

Fee or charge

None

ADVANTAGE CHECKING

Dividend Bearing (Balance required to earn Dividends)

Fee or charge

$0.00

ADVANTAGE CHECKING

eStatements, Bill Pay, and Mobile Deposits

Fee or charge

Free

ADVANTAGE CHECKING

Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

Fee or charge

Free

ADVANTAGE CHECKING

6 Free Out-of-Network ATM Withdrawals (each thereafter)*

Fee or charge

$2.00

Youth Checking Account Fees

YOUTH CHECKING

Fee or charge

*Additional surcharges may be assessed by ATM Operators.

YOUTH CHECKING

Monthly Service Charge

Fee or charge

$0

YOUTH CHECKING

Per-Check charges

Fee or charge

None

YOUTH CHECKING

Dividend bearing

Fee or charge

None

YOUTH CHECKING

eStatements, Bill Pay, and Mobile Deposits

Fee or charge

Free

YOUTH CHECKING

Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven® and select Costco® stores)

Fee or charge

Free

YOUTH CHECKING

Out-of-Network ATM Withdrawals (each)*

Fee or charge

$2.00