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We will be closed on Juneteenth National Independence Day, Monday, June 19th.

PLEASE NOTE:  Shared Branch is currently down. We apologize for the inconvenience, and we are working to resolve this as fast as we can. In the meantime please use Remote Deposit Capture through our Mobile Banking App, a Depositing accepting ATM, or one of the surcharge-free ATMs


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Loan Rates

Effective Date: Friday, June 9th, 2023
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 **5.75% - 17.25%
New RVs 6.50% - 16.50%
Used RVs 6.50% - 16.50%
New Motorcycles 6.50% - 16.50%
Used Motorcycles 6.50% - 16.50%
New Boats 6.50% - 16.50%
Used Boats 6.50% - 16.50%
Personal Loan 9.50% - 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) 17.90% - 17.90%
MasterCard (Secured) 17.90% - 17.90%
MasterCard Cash Advance 19.90%-19.90%

*Rates may vary (contact the loan department for details at

**Auto must be new or used purchased or transferred from another financial institution

Floor Rate 4.00 % APR


Subtract .25% for fully protected loans with life and                 
disability (subtract .10% for life only, .15% for disability only)                
Subtract .25% for members who have direct deposit and                
auto transfer of payment (auto must be new / used purchase                
or transfer from another financial institution)  
Discount rate IS NOT available with Big Savings Promotion

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