All dividends are calculated on the average daily balance. Rates are subject to change. Fees may reduce earnings. Contact our Member Service Department at (419) 334-4434 for more information.
Effective Date: Sunday, October 11th, 2026
| Name | Nominal Rate | APY* | Min. Daily Balance to Earn Dividends | Min. Amt to Open | Dividends Compound & Paid |
|---|---|---|---|---|---|
| Regular Savings Share Account | 0.15% | 0.15% | $100.00 | $5.00 | Quarterly |
| Dollar Dog Kids Club Savings | 0.15% | 0.15% | All Balances | $5.00 | Quarterly |
| Cha-Ching Teen Club Savings | 0.15% | 0.15% | All Balances | $5.00 | Quarterly |
| Club Accounts | 0.15% | 0.15% | All Balances | $0.00 | Quarterly |
| Regular Checking | 0.15% | 0.15% | $1,000.00 | $50.00 | Monthly |
| Premier Checking | 0.35% | 0.35% | All Balances | $50.00 | Monthly |
| Hi/Lo Checking** | 10.00% | 10.47% | $0.01-$1,500.00 | $50.00 | Monthly |
| Ohio Homebuyers Plus | 7.25% | 7.50% | $500.00 | $500.00 | Monthly |
| IRA Savings | 0.15% | 0.15% | $.01-999.99 | $0.00 | Quarterly |
| HSA Savings | 0.15% | 0.15% | $1,000.00 and higher | $0.00 | Quarterly |
*APY = Annual Percentage Yield. Rates and APYs are tiered and variable and may change at any time. Dividends are calculated using the average daily balance method. Fees may reduce earnings. Qualification requirements apply. Rates effective: October 11, 2026
**Hi-Lo Checking. Hi–Lo Checking can earn a max of 10.47% APY* on balances up to $1,500.00 when monthly qualification requirements are met. Additional Balances over $1,500.00 earn 0.00% APY. If qualifications are not met, the entire balance earns 0.00% APY. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| Nominal Rate | APY* | Min. Daily Balance to Earn Dividends | Min. Amt to Open | Dividends Compound & Paid |
|---|---|---|---|---|
| 0.00% | 0.00% | $0-999.99 | $1,000.00 | Monthly |
| 0.50% | 0.50% | $1,000 – 4,999 | $1,000.00 | Monthly |
| 1.50% | 1.51% | $5,000 – 24,999 | $1,000.00 | Monthly |
| 2.25% | 2.27% | $25,000 – 99,999 | $1,000.00 | Monthly |
| 3.00% | 3.04% | $100,000 and higher | $1,000.00 | Monthly |
*APY=Annual Percentage Yield
Effective Date: Sunday, October 11th, 2026
| Term | Type of Certificate | Nominal Rate | APY* | Min. Daily Balance to Earn Dividends | Dividends Compound & Paid |
|---|---|---|---|---|---|
| 6 Month | Regular/IRA | 4.31% | 4.40% | $1,000.00 | Daily |
| 12 Month | Regular/IRA | 4.41% | 4.50% | $1,000.00 | Daily |
| 18 Month | Regular/IRA | 4.46% | 4.55% | $1,000.00 | Daily |
| 24 Month | Regular/IRA | 4.51% | 4.60% | $1,000.00 | Daily |
| 30 Month | Regular/IRA | 4.55% | 4.65% | $1,000.00 | Daily |
| 36 Month | Regular/IRA | 4.60% | 4.70% | $1,000.00 | Daily |
| 36 Month Freedom | Regular/IRA | 4.60% | 4.70% | $5,000.00 | Daily |
| 48 Month | Regular/IRA | 4.70% | 4.80% | $1,000.00 | Daily |
| 60 Month | Regular/IRA | 4.79% | 4.90% | $1,000.00 | Daily |
| 84 Month | Regular/IRA | 4.98% | 5.10% | $1,000.00 | Daily |
*APY=Annual Percentage Yield
Dollar Dog Kids and Cha-Ching Teen Club members can open Share Certificates with a minimum deposit of $500.00. Freedom Certificates do not apply, the minimum deposit to open is $5,000.00.
Features of the 36 Month Freedom Share Certificate include a one-time additional deposit and a one-time rate bump during the term.
IRA Certificates available in terms of 6 Months or longer. Share Certificate Specials are offered for IRAs at our discretion.
Deposits insured up to $250,000.00 per ownership type. IRAs are insured separately up to $250,000.00 per ownership type. Learn more about insurance coverage at www.ncua.gov.
Dividends are paid on all share accounts. Dividend rates and annual percentage yields (APYs) are determined by the Credit Union’s Board of Directors and are subject to change at any time. Dividends are based on Credit Union earnings and cannot be guaranteed. For share certificate accounts, the rate and APY are fixed for the term of the certificate at account opening.
Share Certificate Penalties – we may impose a penalty if you withdraw any of the principal before the maturity date. For all accounts, the early withdrawal penalty amount is based on your account’s terms. The penalty schedule is as follows: terms of 1 year or less = 90 days dividend penalty. Terms of more than 1 year = 180 days dividend penalty.
Exceptions to Share Certificate Penalties – at our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction; where the account is an Individual Retirement Account (IRA), and any portion is paid within seven (7) days after establishment, or where the account is an IRA or Keogh. The owner attains age 59 1/2 or becomes disabled.
The interest rate and APR for all products are subject to qualification and approval and are based on several factors including but not limited to, loan-to-value, credit score, and requested term and model year (for applicable products). The listed rates assume a member with excellent credit. Rates and terms are subject to change without notice. Longer loan terms may be available. Membership eligibility is required. Please call one of our loan officers today at (419) 334-4434 for additional information and disclosures.
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| New/Used Automobile/Trucks/Vans | 36 Months | As low as 4.25% | 4.713% |
| New/Used Automobile/Trucks/Vans | 48 Months | As low as 4.50% | 4.853% |
| New/Used Automobile/Trucks/Vans | 60 Months | As low as 4.75% | 5.036% |
| New/Used Automobile/Trucks/Vans | 72 Months | As low as 5.25% | 5.493% |
| New/Used Automobile/Trucks/Vans | 84 Months | As low as 5.75% | 5.962% |
*APR = Annual Percentage Rate and is based on a loan amount of $25,000, a rate of 4.25%, and 36 monthly payments of $747.81. Based on a 730+ credit score. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| New/Used RV and Boat Loans | 120 Months | As low as 6.25% | 6.405% |
| New/Used RV and Boat Loans | 240 Months | As low as 6.50% | 6.522% |
*APR = Annual Percentage Rate and is based on a loan amount of $100,000, a rate of 6.50%, and 240 monthly payments of $747.48. Based on a 730+ credit score. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| New/Used Motorcycle and ATV’s | Up to 72 Months | As low as 6.50% | 6.746% |
*APR = Annual Percentage Rate and is based on a loan amount of $25,000, a rate of 6.50%, and 72 monthly payments of $424.19. Based on a 730+ credit score. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| APR* for Purchases | APR* for Balance Transfers | APR* for Cash Advances |
|---|---|---|
| 13.70% to 18.00% | 13.70% to 18.00% | 13.70% to 18.00% |
| 11.70% to 18.00% | 11.70% to 18.00% | 11.70% to 18.00% |
*Annual Percentage Rate. APR is variable and based on the Prime Rate index, which may change quarterly. APR ranges from 13.70% to 18.00% based on creditworthiness and loan terms. Rates effective: October 11, 2026
Foreign Transaction: 2% of each multiple currencies in U.S. Dollars. 2% of each single currency in U.S. Dollars.
Late Payment: May be up to $25.00, if you are 5 or more days late.
Returned Check: May be up to $25.00, if your payment is returned for any reason.
Over Limit Fee: None
Annual Fee: None
Balance Transfer Fee: None
Cash Advance Transfer Fee: None
Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge: If you are charged interest, there is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore/
How we will calculate your balance: We use the method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Prime Rate: The Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate as published in the Wall Street Journal as of 30 days immediately preceding the billing cycle. The Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month’s statement. As of December 11, 2025, the index was 6.75%.
Rates, fees, and terms may change: We may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit reports, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive 45-day advance notice in writing and a right to opt-out in accordance with applicable law.
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| Unsecured Personal Loan | Up to 60 Months | As low as 10.75% | 11.395% |
*APR is Annual Percentage Rate and is based on a loan amount of $10,000.00, a rate of 10.75%, and 72 monthly payments of $192.38. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| Amount | Term | Fixed Rate | APR* | Processing Fee |
|---|---|---|---|---|
| $1,000.00 | 12 Month | 3.75% | 17.432% | $75 |
| $1,500.00 | 15 Month | 9.50% | 17.087% | $75 |
| $2,000.00 | 20 Month | 12.00% | 16.419% | $75 |
| $2,500.00 | 25 Month | 14.00% | 16.910% | $75 |
*APR = Annual Percentage Rate.
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| Savings Account Secured | Up to 60 Months | Share Rate + 3.00% | 6.164% |
| Shared Certificate Secured | Up to 60 Months | CD rate + 3.00% | 6.164% |
*Annual Percentage Rate (APR) is based on a loan amount of $5,000, rate of 5% and 60 monthly payments of $94.35. The floor rate for Shared Secure products is 5%. Rates effective: October 11, 2026
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Fixed Rate | APR* |
|---|---|---|---|
| Student Loan | Up to 12 Months | As low as 9.25% | 12.533% |
*The Annual Percentage Rate (APR ) is based on a loan amount of $10,000 rate of 9.25% and 12 monthly payments of $891.03. Rates effective: October 11, 2026
Rates change daily. Please call us at 419-333-2934 for a current rate.
Effective Date: Sunday, October 11th, 2026
| Type of Loan | Term | Rate | APR* |
|---|---|---|---|
| Home Equity Line of Credit (HELOC) up to 80% LTV | Up to 15 Years | As low as the Prime Rate | 6.75% |
*Annual Percentage Rate (APR) is variable and based on the Wall Street Journal Prime Rate plus a margin determined by creditworthiness. APR may change quarterly and may increase after account opening. The minimum APR is 4.00% and the maximum APR is 18.00%. Minimum line of credit amount is $5,000. During the 5-year draw period, payments are calculated based on a 15-year amortization. After the draw period ends, payments may increase. Additional terms and conditions may apply. Contact us for full details. Rates effective: October 11, 2026
Rates change daily. Please call us at 419-333-2934 for a current rate.
Our service fees require adjustments from time to time to match the increased costs of business which the Schedule of Fees is subject to change without notice or as otherwise provided by law. Fees may differ through Shared Branch Network locations. For more information you can stop in to any FFCU location, call us at (419) 334-4434 or by checking this page. Physical copies of our fee schedule will be available upon request.
Effective Date: Sunday, October 11th, 2026
| Service | Charge |
|---|---|
| Non-Member Check Cashing Fee | $3.00 |
| Membership Open/Close Fee | $5.00 |
| Inactive/Dormant Account Assessed per month when an account has no activity for 12 consecutive months | $2.00 |
| Legal Processing Attachments, garnishments, tax levies, etc. | $50.00 |
| Non-Sufficient Funds (NSF) Assessed when an item (check, ATM withdrawal, ACH, VISA Check Card purchase) is presented against your checking or savings account in excess of available and collected funds and returned to the presenter by the credit union. | $30.00 |
| Overdraft Assessed when an item (check, ATM withdrawal, ACH, Visa Check Card purchase) is presented against your checking or savings account and is paid by the credit union. | $30.00 |
| Savings Transfer to Cover Checking Overdraft A per-item fee will be charged when an item (such as a check, ATM withdrawal, ACH transaction, or Visa Check Card purchase) is presented against your checking account and exceeds the available funds collected. In such cases, an automatic transfer from your savings account to your checking account will be initiated to cover the overdraft. | $5.00 |
| Return of Deposited Item | 1st & 2nd charge $10.00 thereafter will be charged $20.00 |
| Check Collection Fee | Determined per item |
| Stop Payment Order/Renewal | $25.00 |
| Copy of Paid Check | $5.00 |
| Research and Reconciliation | First hour is free, then $5.00 per hour after the first hour. |
| Interim Statement Copy | $5.00 |
| Hold and Return Statements | $5.00 |
| Money Orders | $3.00 |
| Official Check Order | $5.00 |
| Card Replacement | 1st card free after that a $15.00 fee is charged within a 3-year cycle period |
| Visa Check Card International Service Assessment (ISA) Fee involving foreign currency | 2% |
| Loose Coin Verification charged to non-members | 10% of total |
| Incoming & Outgoing Wire Transfers | $20.00 |
| Online Banking with Bill Payment Option | FREE |
| Check Order | Varies depending on the style and quantity ordered |
| Telephone Transfer Fee | $5.00 |
Effective Date: Sunday, October 11th, 2026
| Service | Charge |
|---|---|
| Monthly Service Fee – Basic Business | $10.00 |
| Monthly Service Fee – Service Plus | $35.00 |
| Exchange of Currency | No Cost |
| Per Transaction Fee | No Cost |
| Cash Deposits | No Cost |
| Online Banking/Bill Pay/ RDC/Mobile Banking | No Cost |
| Night Depository Bags/Clear Plastic | No Cost |