Loan Rates

 The following rates are effective as of

Vehicle Loans includes: Automobiles, Trucks, & Motorcycles *Free CARFAX availableRateAPRTerm
New & Used 2019-2026 as low as 4.59% 4.84% up to 36 months
New & Used 2019-2026
 as low as 4.99% 5.14% 37-63 months
New & Used 2019-2026 as low as 5.59% 5.70% 64-84 months
Recreational Vehicles includes: Motor Homes, Travel Trailers, Boats, ATV's, Campers, etc.Rate APRTerm
New & Used 2019-2026*
 as low as 6.59%  6.71% 64-84 months
New & Used 2019-2026*
 as low as 8.09%  8.18% 85-120 months (>$30,000)
Personal Loans & Personal Lines of CreditRateAPR
Personal Loans- up to $25,000, maximum term 60 months
 as low as 9.74% 9.90%
Personal Lines of Credit- minimum payment is 2% of the balance.  as low as 9.99% 10.15%
 
Share Secured LoansAPR
Shares-4% above dividend paid on Regular Shares 5.19%
Share Certificates-4% above dividend paid on Share Certificates APR varies based on rates 
Credit Builder Loan-10% fixed rate/using FFCOCU funds for pledge (24-36 months) 11.03%

First Mortgage Loans

Please click here or contact us at 937-228-1614 for current first mortgage rates.
Second Mortgage Loans
minimum loan amount $5,000		Rate APRTerm
Fixed Rate up to 100% LTV
  as low as 6.75% 6.91% up to 60 months
Fixed Rate < 80% LTV
  as low as 6.75% 6.83% 61-120 months
Fixed Rate < 80% LTV  as low as 7.75% 7.81% 121-180 months
Fixed Rate > 80% to <=90% LTV  as low as 7.25% 7.33% 61-120 months
Fixed Rate > 90% LTV  as low as 7.75% 7.84% 61-120 months
Home Equity Line of Credit
(HELOC)		RateAPR
Variable Rate ≤ 80% LTV  Prime Rate 6.83%
Variable Rate ≥ 80% LTV  Prime Rate + 1% 7.84%
VISAAPR
Shared Secure VISA 6.99%
VISA 7.99%-15.99% based on credit rating

 

  • APR = Annual Percentage Rate. APR includes a $75 document processing fee. APR can vary based on rate, loan amount and term. Additional fees could occur with a second mortgage or HELOC which would affect the APR.
  • Term = length of the loan in months.
  • LTV = Loan to Value.
  • LATE CHARGES: If you are more than 10 days late in making a payment, you will pay a late charge of $25.00.
  • COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law.

Footnotes

  1. Vehicle Loans APR: APR examples are based on loan amount of $20,000 and max term stated for each rate tier. For a $20,000 new car loan for a term of 84 months with a 5.70% APR, the monthly payment will be $290.41.⮐
  2. Vehicle Loans Term: Interest rates are subject to type of loan, credit score, terms, and borrower's credit history. All rates are subject to change. Other conditions may apply. Qualified Vehicles are 8 model years or newer and 100,000 miles or less. The model year of the vehicle, loan amount , and credit score may affect term and rate.⮐
  3. Recreational Vehicle Loans APR: APR example for terms up to 84 months is based on loan amount of $20,000. APR example above for terms from 85-120 months is based on loan amount of $30,000 and max stated term of 120 months. For a $20,000 new recreational vehicle loan for a term of 84 months with a 6.71% APR, the monthly payment will be $300.18.⮐
  4. Recreational Vehicle Loans Term: Interest rates are subject to type of loan, credit score, terms, and borrower's credit history. All rates are subject to change. Other conditions may apply. Qualified Vehicles are 8 model years or newer and 100,000 miles or less. The model year of the vehicle, loan amount , and credit score may affect term and rate.⮐
  5. Personal Loans & Personal Line of Credit: Loan rates are based on credit score. Limits based on credit and monthly income. Personal line of credit loans- minimum line $500, maximum line $25,000. Payments are based on 2% of the balance. Minimum payment is $25. ⮐
  6. Personal Loans & Personal Line of Credit APR: APR examples are based on loan amount of $20,000 and term of 60 months. For a $20,000 personal loan for a term of 60 months with a 9.90% APR, the monthly payment will be $425.61.⮐
  7. Shared Secure Loans Term: Adjustable Rate: Share Certificate – The rate will be the dividend rate being paid on the Certificate offered as security (Index) plus 4.00%. The Certificate must be renewed until the loan is completely paid. When the Certificate is renewed the rate will change to reflect the new dividend rate. When the rate increases, you will have the choice of choosing higher payments or keeping your payment the same, which results in more payments than if you choose to increase your payment amount. Share secured loans- Regular Shares – Rates for share secured loans will be the dividend rate being paid on regular shares (Index) on the date of the loan plus 4.00%. The rates are subject to change on the first day of every month to reflect any change in the index.⮐
  8. Shared Secure Loans APR: APR examples above are based on loan amount of $5,000 and term of 36 months. For a $5,000 share secured loan for a term of 36 months with a 5.19% APR, the monthly payment will be $152.57.⮐
  9. Second Mortgage Loans Term: Loans are at a fixed rate for a minimum of $5,000 and a maximum of $150,000, depending on LTV. Interest rates are subject to credit score, LTV, loan term, and borrower's credit history. All rates are subject to change. Other conditions may apply. HomeOwners insurance is required on all second mortgage loans. Average closing costs of $500-805 could apply. The payments do not include amounts for taxes and insurance premiums (if applicable), and the actual payment obligation will be greater.⮐
  10. Second Mortgage Loans APR: APR examples above are based on loan amount of $20,000 and max term stated for each rate tier. For an 80% LTV $20,000 fixed rate second mortgage for a term of 120 months with a 6.83% APR, the monthly payment will be $231.37. Additional fees could occur with a second mortgage which would affect the APR and payment.
  11. Home Equity Line of Credit Term: Payments are based on a 120 month repayment term with a minimum payment of $50. Maximum APR of 18%. Finance charges begin accruing immediately after the advance or purchase. There is no grace period. HELOC is based on the prime rate. The annual percentage rate may vary. Prime is determined on the first day of the last month before a new quarter begins. The prime rate as of 12/11/2025 was 6.75% APR. Average closing costs of $500-$805 could apply. Home Owners insurance is required on all HELOCs. The payments do not include amounts for taxes and insurance premiums (if applicable), and the actual payment obligation will be greater. ⮐
  12. Home Equity Line of Credit APR: APR examples above are based on loan amount of $20,000 and term of 120 months. Additional fees (closing costs) could occur with a HELOC which would affect the APR. ⮐