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Fremont Federal Credit Union Go to main content

Online Banking

Loan Rates

Autos  RV & Boats  Motorcycle & ATVs  Credit Cards  Quick Cash  Share Secured  Student Tuition  Mortgages  Home Equity  Unimproved Property

Automobile Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
New/Used Automobile/Trucks/Vans Up to 36 Months As low as 2.75% 3.206%
*APR = Annual Percentage Rate and is based on a loan amount of $20,000, rate of 2.75% amd 36 monthly payments of $579.42.

RV and Boat Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
New/Used RV and Boat Loans As low as 36 Months As low as 3.25% 3.321%
*APR = Annual Percentage Rate and is based on a loan amount of $15,000, rate of 3.25% and 36 monthly payments of $437.87

Motorcycle Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
New/Used Motorcycle and ATV's Up to 36 Months As low as 3.75% 4.362%
*APR = Annual Percentage Rate and is based on a loan amount of $15,000, rate of 3/75% and 36 monthly payments of $441.19.

Credit Cards

VISA® Platinum Credit Card

APR for Purchases: 9.99% APR** 10.99% APR** 11.99% APR**
APR for Balance Transfers: 9.99% 10.99% 11.99%
APR for Cash Advances: 9.99% 10.99% 11.99%
Grace Period: 25 Days 25 Days 25 Days
**APR: Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Call us at 419-334-4434 for current rates, terms and conditions.
For Credit Card Tips from the CFPB: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/learnmore
 
Annual Fee: None None None
Transaction Fees:
Foreign Transaction

1% of each multiple currency transaction in U.S. Dollars. 0.80% of each single currency transaction in U.S. Dollars
Penalty Fees:
Late Payment
Returned Check Fee
Over limit Fee

May be up to $39
May be up to $25
None

May be up to $39
May be up to $25
None

May be up to $39
May be up to $25
None

 

VISA® Classic Credit Card

APR for Purchases: 13.92% APR**
APR for Balance Transfers: 13.92%
APR for Cash Advances: 13.92%
Grace Period: 25 Days
*APR: Annual Percentage Rate. Qualification based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, forms, and conditions are subject to change at any time without notice. Call us at 419-334-4434 for current rates, terms and conditions.
For Credit Card Tips from the CFPB: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/learnmore
 
Annual Fee: None
Transaction Fees:
Foreign Transaction

Up to 2% of each currency transaction in U.S. Dollars
Penalty Fees:
Late Payment
Returned Check Fee
Over limit Fee

May be up to $39
May be up to $25
None

Personal Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
Unsecured Personal Loan Up to 60 Months As low as 9.25% 10.420%
*APR is Annual Percentage Rate and is based on a loan amount of $5,000.00, rate of 9.25% and 60 monthly payments of $107.31.

Quick Cash Loan Rates
Effective Date: Friday, October 19th, 2018
$75.00 Processing Fee
AmountTermFixed RateAPR*
$1,075.00 12 Month 3.75% 17.677%
$1,575.00 15 Month 9.50% 17.546%
$2,075.00 20 Month 12.0% 16.736%
$2,575.00 25 Month 14.0% 17.170%
*APR = Annual Percentage Rate.

Share Secured Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
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%.

Student Tuition/K-12 Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermFixed RateAPR*
Student Loan Up to 12 Months As low as 6.5% 12.392%
*The Annual Percentage Rate (APR ) is based on a loan amount of $4,500 rate of 6.5% and 12 monthly payments of $388.32.

Mortgage Loans
Effective Date: Friday, October 19th, 2018
Rates change daily. Please call us at 419-333-2934 for a current rate.

Home Equity Loan Rates
Effective Date: Friday, October 19th, 2018
Type of LoanTermRateAPR*
Home Equity Line of Credit (HELOC) up to 80% LTV Up to 15 Years As low as the Prime Rate 4.205%
*The Annual Percentage Rate (APR ) is based on a $10,000 loan at the floor rate of 4% and payments of $73.97 a month for 180 months. Draw period is 5 years and the initial payment during this period is calculated to amortize your payments required to pay off your loan balance over a 180 month period. Minimum credit line of $5,000 required. Ceiling Rate of 18%, and floor rate of 4%. Rates are subject to change quarterly based on updates to the Prime Rate.

Unimproved Property Loans
Effective Date: Friday, October 19th, 2018
TermA+ABCDE
Terms up to 60 months 6.50% 7.00% 7.50% 9.00% 11.00% 13.00%
Terms up to 120 months 7.50% 8.00% 8.50% 10.00% 14.00% 16.00%

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.

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