Loan Rates

New Car Loan Rates

Effective October 1, 2018
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
TermAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.
up to 60 months2.74%**
61 - 72 months3.24%**
73 - 84 months3.74%**

Used Car Loan Rates

Effective October 1, 2018
Model years 2011 through 2018. Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.
TermAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.
up to 60 months3.24%**
61 - 72 months3.74%**
73 - 84 months4.24%**

Visa Credit Card Terms & Rates

Effective October 18, 2018
TypeRate or Fee
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change.
View full terms and disclosures.
Purchasesas low as 10.25% APR*
Balance Transfersas low as 10.25% APR*
Cash Advancesas low as 10.25% APR*
Annual FeeNone
Balance Transfer FeeNone
Cash Advance FeeNone
Over-the-Credit Limit FeeNone
Late or Returned Payment Fee$20.00

Personal Lending Rates

Effective October 1, 2018
TypeTermAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed.
*** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate.
Personal Loanup to 60 months11.74%
Share Secured Loan**up to 60 monthsDividend + 2.00%
(Minimum 3.00%)
Personal Line of CreditRevolvingPrime*** + 5.00%

First Mortgage Rates

Effective October 1, 2018
TermInterest RateAPR* as low as
*APR = Annual Percentage Rate. All APRs in mortgage rate examples above are based on a $200,000 loan amount and 80% Loan-To-Value (LTV). Rates effective 10/1/18 and are subject to change without prior notice. FSFCU NMLS#721558. Financial Security Consultants, Inc. is a service partner of Five Star Federal Credit Union. Financial Security Consultants is a licensed mortgage broker in Maryland, DC, Delaware, Pennsylvania, and Virginia. Licensed in Pennsylvania by the Pennsylvania Department of Banking. NMLS #101557
10 Years3.250%3.629%
15 Years4.125%4.398%
20 Years4.375%4.591%
30 Years4.625%4.785%
33 1/3 Years (400 Months)4.750%4.900%

Home Equity Lending Rates

Effective October 1, 2018
Loan Amount $10,000 – $150,000
TermAmountAPR* as low as
* APR = Annual Percentage Rate. Minimum APR 2.27%; Maximum APR 18.00%. Credit union will pay closing costs; however, if the line of credit is paid off within 3 years, reimbursement is due to the credit union. Appraisal Fee: $350. Processing time: 3 to 4 weeks. New lines only; required min. advance of $15,000.
** Prime rate as published at www.fedprimerate.com. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate. Draw Period: 15 years (access with home equity checks); First Advance: $2,500 minimum; $500 increments thereafter.
Revolving Line of Credit80% Appraised Value less First Mortgage2.27% (9 months) then Prime** + .25% (after 9 months)
Revolving Line of Credit90% Appraised Value less First Mortgage2.27% (9 months) then Prime** + 1.00% (after 9 months)
5-Year Closed End90% Appraised Value less First Mortgage4.24%
10-Year Closed End90% Appraised Value less First Mortgage4.74%
15-Year Closed End90% Appraised Value less First Mortgage5.24%

Motorcycle & ATV Loan Rates

Effective October 1, 2018
TermAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.
up to 48 months3.24%**
49 - 72 months3.74%**

Recreational Vehicle Loan Rates

Effective October 1, 2018
TermAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.
up to 60 months3.99%**
61 - 84 months4.49%**

Boat Loan Rates

Effective October 1, 2018
No vessels over 5 ton net weight.
Condition, Amount & TermDown PaymentAPR* as low as
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.
*** Used amount financed based on Wholesale Book Value.
New up to $25,000; 7 Years
New over $25,000; 10 Years
10%3.24%**
New up to $25,000; 7 Years
New over $25,000; 10 Years
20%3.74%**
Used up to $25,000;*** 7 Years
Used over $25,000;*** 10 Years
Any6.74%

Dividend Rates

Savings Rates

Effective October 1, 2018
Share TypeDividend RateAPY*
* APY = Annual Percentage Yield.
Share Savings0.05%0.05%
Christmas Club0.05%0.05%
Planners Club0.05%0.05%

Regular Share Certificates

Effective October 1, 2018
Term & TypeDividend RateAPY*
* APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties.

**With our 48-month "Smart Savers Certificate," you have the option to change your interest rate one time during the 48-month term to the 48-month Certificate rate current at that time. Limited time offer; subject to change at any time.
6 Months0.50%0.50%
12 Months0.75%0.75%
30 Months1.25%1.25%
48 Months Bump-Up**1.75%1.75%

IRA & Education Share Certificates

Effective October 1, 2018
Term & TypeDividend RateAPY*
* APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties.

**With our 48-month "Smart Savers Certificate," you have the option to change your interest rate one time during the 48-month term to the 48-month Certificate rate current at that time. Limited time offer; subject to change at any time.
12 Months0.75%0.75%
30 Months1.25%1.25%
48 Months Bump-Up**1.75%1.75%