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Loan Rates

Loans
Effective Date: Sunday, September 25th, 2022
NameAnnual Percentage Rates*
Rates and terms subject to changes at any time at the discretion of Financial Access Federal Credit Union Board of Directors.
New or used auto-loan **3.25% - 15.25%
New RVs 5.50% - 15.50%
Used RVs 5.50% - 15.50%
New Motorcycles 5.50% - 15.50%
Used Motorcycles 5.50% - 15.50%
New Boats 5.50% - 15.50%
Used Boats 5.50% - 15.50%
Personal Loan 8.50% - 16.50%
Term line of credit (Term LOC- provides overdraft protection on associated checking account. Advances processed in any dollar amount available on Loc.) 8.50% - 16.50%
Overdraft Protection (Provides overdraft protection on associated checking account. Advances made by overdraft only.) 8.50% - 16.50%
Fresh Start (Credit Re-builder) 8.50% - 8.50%
Credit Builder 15.70% - 18.00%
Saving Secured Loan 3.00% over the rate paid on the account being pledged
Certificate Secured Loan 3.00% over the rate paid on the account being pledged
MasterCard (Regular) 13.92% - 13.92%
MasterCard (Secured) 13.92% - 13.92%

*Rates may vary (contact the loan department for details at information@financialaccessfcu.org)

**Auto must be new or used purchase or transfer from other financial institution
Discounts Available:
.25% rate reduction for fully protected loans with life and disability (subtract .10% for life only, .15% for disability only)
.25% rate reduction for members who have direct deposit and auto transfer of payment (auto must be new/used purchase or transfer from other financial institution) 
Discount rate NOT available with Big Savings Promotion 
The qualifications must be met at the time of approval and loan disbursement
Floor Rate 3.25%

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