Rates
Rates you can smile about.
Fortera Credit Union Savings and Loan Rates - effective March 1, 2021.
Auto Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
New Autos
| Term:
up to 36 Months
| APR*:
1.29% to 13.99%
|
Type:
New Autos
| Term:
up to 60 Months
| APR*:
3.49% to 13.99%
|
Type:
New Autos
| Term:
up to 72 Months
| APR*:
3.99% to 14.99%
|
Type:
New Autos
| Term:
up to 84 Months
| APR*:
4.99% to 6.74%
|
Type:
New Autos
| Term:
up to 96 Months
| APR*:
5.99% to 7.74%
|
Type:
Used Autos 2019 to 2021
| Term:
up to 36 Months
| APR*:
1.49% to 14.74%
|
Type:
Used Autos 2019 to 2021
| Term:
up to 60 Months
| APR*:
3.74% to 14.74%
|
Type:
Used Autos 2019 to 2021
| Term:
up to 72 Months
| APR*:
4.24% to 15.74%
|
Type:
Used Autos 2019 to 2021
| Term:
up to 84 Months
| APR*:
5.24% to 6.99%
|
Type:
Used Autos 2017 to 2018
| Term:
up to 60 Months
| APR*:
3.99% to 14.99%
|
Type:
Used Autos 2017 to 2018
| Term:
up to 72 Months
| APR*:
4.49% to 15.99%
|
Type:
Used Autos 2017 to 2018
| Term:
up to 84 Months
| APR*:
5.49% to 7.24%
|
Type:
Used Autos 2014 to 2016
| Term:
up to 60 Months
| APR*:
4.49% to 15.49%
|
Type:
Used Autos 2014 to 2016
| Term:
up to 72 Months
| APR*:
5.49% to 16.74%
|
Type:
Used Autos 2013 and Older
| Term:
up to 60 Months
| APR*:
5.49% to 16.99%
|
*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.
Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 115%.
Motorcycle and Recreational Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
New
| Term:
Up to 36 Months
| APR*:
2.79% to 14.99%
|
Type:
New
| Term:
Up to 60 Months
| APR*:
4.99% to 14.99%
|
Type:
New
| Term:
Up to 72 Months
| APR*:
5.49% to 15.99%
|
Type:
New
| Term:
Up to 84 Months
| APR*:
6.49% to 8.24%
|
Type:
New
| Term:
Up to 96 Months
| APR*:
7.49% to 9.24%
|
Type:
Used (2018-2020)
| Term:
Up to 36 Months
| APR*:
2.99% to 15.24%
|
Type:
Used (2019-2021)
| Term:
Up to 60 Months
| APR*:
5.24% to 15.24%
|
Type:
Used (2019-2021)
| Term:
Up to 72 Months
| APR*:
5.74% to 16.24%
|
Type:
Used (2019-2021)
| Term:
Up to 84 Months
| APR*:
6.74% to 8.49%
|
Type:
Used (2017-2018)
| Term:
Up to 60 Months
| APR*:
5.49% to 15.49%
|
Type:
Used (2017-2018)
| Term:
Up to 72 Months
| APR*:
5.99% to 16.49%
|
Type:
Used (2017-2018)
| Term:
Up to 84 Months
| APR*:
6.99% to 8.74%
|
Type:
Used (2014-2016)
| Term:
Up to 60 Months
| APR*:
5.99% to 15.99%
|
Type:
Used (2014-2016)
| Term:
Up to 72 Months
| APR*:
6.99% to 17.24%
|
Type:
Used (2013 and older)
| Term:
Up to 60 Months
| APR*:
6.99% to 17.49%
|
*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.
Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 110%.
Fortera Credit Card Rates
| Type | Term | APR* |
|---|---|---|
Type:
Fortera Credit Cards
| Term:
Open
| APR*:
8.40% to 18.00%
|
Credit Limit: $300 - $40,000.
Rapid Refi Rates
| Type | Term | APR* |
|---|---|---|
Type:
Fixed-Rate Rapid Refi
| Term:
5 Years
| APR*:
2.49% to 4.99%
|
Type:
Fixed-Rate Rapid Refi
| Term:
10 Years
| APR*:
2.74% to 5.24%
|
Type:
Fixed-Rate Rapid Refi
| Term:
15 Years
| APR*:
2.99% to 5.74%
|
The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.
Home Equity Line of Credit Rates
| Type | Term | APR* |
|---|---|---|
Type:
Interest Only Payment
| Term:
Less than 80%
| APR*:
4.00 to 8.50%**
|
Type:
Interest Only Payment
| Term:
From 80.1% - 100%
| APR*:
4.50 to 7.50%**
|
HELOC's adjust quarterly on Jan.1, April 1, July 1, and Oct. 1. Maximum adjustment of 1% per quarter. The maximum rate is 15.00%.
*APR=Annual Percentage Rate. The ANNUAL PERCENTAGE RATE you receive will be based on credit worthiness and loan to value amount. Not all members will qualify for the best or lowest rate.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.
**Loan to Value Ratio (LTV): A ratio used by lenders to calculate the loan amount requested as a percentage of the value of a home. To determine the loan to value ratio, divide the loan amount by the home's value. The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.
Closed-End Home Equity Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
Closed End Home Equity Loan
| Term:
5 Year Term
| APR*:
3.24% to 8.24%
|
Type:
Closed End Home Equity Loan
| Term:
10 Year Term
| APR*:
4.99% to 9.49%
|
Type:
Closed End Home Equity Loan
| Term:
15 Year Term
| APR*:
5.49% to 8.74%
|
Type:
Closed End Home Equity Loan
| Term:
20 Year Term
| APR*:
6.24% to 7.74%
|
The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.
Homeowners Advantage Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
Homeowners Advantage Loan
| Term:
up to 120 months
| APR*:
9.49% to 15.99%
|
*APR = Annual Percentage Rate. The APR you receive for advances will be within the range disclosed above and is based on the member's credit history. Not all members will qualify for the best or lowest rate and the credit union will evaluate your credit history at the time of every advance. No Equity Required.
Share Account Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Share Savings
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$50 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Quarterly
|
Type:
Spare Share Savings
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$50 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Quarterly
|
Type:
Sprout Share Savings
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$25 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Quarterly
|
Type:
Flex Share Savings
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$25 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Quarterly
|
*APY=Annual Percentage Yield. Dividend Rate and Annual Percentage Yield may change at any time in the discretion of the Credit Union. Fees may reduce earnings. Limited to six (6) preauthorized, automatic, telephonic, or audio response transfers to another account with us or to a third party during a fee cycle.
Fixed Rate Certificate Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded |
|---|---|---|---|---|
Type:
Fixed Rate Certificate | 6 Month
|
Dividend Rate:
0.250%
| APY*:
0.25%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 12 Month
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 18 Month
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 24 Month
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 36 Month
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 48 Month
|
Dividend Rate:
0.499%
| APY*:
0.50%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate Certificate | 60 Month
|
Dividend Rate:
0.548%
| APY*:
0.55%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
No additional deposits allowed except at maturity or during the grace period.
Access, Choice, and Smart Start Certificate Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Access Certificate | 12 Months
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$25.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Choice Certificate | 36 Month | New Money Only
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Choice Certificate | 60 Month | New Money Only
|
Dividend Rate:
0.548%
| APY*:
0.55%
| Balances:
$1,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
Smart Start Variable Rate Certificate | 24 Months
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$100.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Access Certificate - Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal allowed during the term.
Smart Start Variable Certificate - Additional deposits allowed during the term, $5 minimum. Dividend rate & APY subject to change during the term.
Choice Certificate 36 Month - One bump rate allowed after first 12 months and additional new money deposit allowed at time of bump minimum deposit of $1000.00.
Choice Certificate 60 Month - Two bump rates allowed after first 12 months and additional new money deposit allowed at time of bump minimum deposit of $1000.00.
Money Market Account Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Money Market
|
Dividend Rate:
0.100%
| APY*:
0.10%
| Balances:
$2,500 - $9,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Money Market
|
Dividend Rate:
0.100%
| APY*:
0.10%
| Balances:
$10,000 - $24,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$25,000 - $49,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$50,000 - $74,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$75,000 - $99,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$100,000 +
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Transactions are limited to six (6) transfers or withdrawals during a monthly statement cycle to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.
The Money Market and Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.
The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month. The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.
Premium Money Market Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Premium Money Market
|
Dividend Rate:
0.100%
| APY*:
0.10%
| Balances:
$0 - $24,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Premium Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$25,000 - $49,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Premium Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$50,000 - $99,999
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Premium Money Market
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$100,000 +
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Transactions are limited to six (6) transfers or withdrawals during a monthly statement cycle to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order made by the depositor and payable to third parties.
The Money Market and Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.
The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month. The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.
ChangeUp Savings Account Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
ChangeUp Savings Account | $0.00 to $2,000.00 Tier
|
Dividend Rate:
1.986%
| APY*:
2.00%
| Balances:
$0.01 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Type:
ChangeUp Savings Account | $2,000.01 + Tier
|
Dividend Rate:
0.199%
| APY*:
0.20%
| Balances:
$2,000.01 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Dividends Credited:
Quarterly
|
Checking Account (Share Draft) Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded | Dividends Credited |
|---|---|---|---|---|---|
Type:
Full Circle Checking | $0-$999.99 Tier
|
Dividend Rate:
N/A
| APY*:
N/A
| Balances:
$0.01 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
N/A
|
Dividends Credited:
N/A
|
Type:
Full Circle Checking | $1,000 + Tier
|
Dividend Rate:
0.100%
| APY*:
0.10%
| Balances:
$1,000 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Monthly
|
Dividends Credited:
Monthly
|
Type:
Go Checking
|
Dividend Rate:
N/A
| APY*:
N/A
| Balances:
$25 Minimum Opening Deposit
|
Dividends Compounded:
N/A
|
Dividends Credited:
N/A
|
Type:
Flex Checking
|
Dividend Rate:
N/A
| APY*:
N/A
| Balances:
$5 Minimum Opening Deposit
|
Dividends Compounded:
N/A
|
Dividends Credited:
N/A
|
Type:
Restricted Transactions
|
Dividend Rate:
N/A
| APY*:
N/A
| Balances:
$25 Minimum Opening Deposit
|
Dividends Compounded:
N/A
|
Dividends Credited:
N/A
|
Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can avoid the monthly fee by making 15 debit card transactions per month (excluding ATM transactions and recurring payments) or by having a Fortera loan (mortgages and credit cards are included).
Restricted Transactions have a $10.00 Monthly Fee.
Cumulative IRA Share Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded |
|---|---|---|---|---|
Type:
Cumulative IRA Share | $5.00 - $9,999.99
|
Dividend Rate:
0.100%
| APY*:
0.10%
| Balances:
$5.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Cumulative IRA Share | $10,000.00 - $24,999.99
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$10,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Cumulative IRA Share | $25,000.00 - $49,999.99
|
Dividend Rate:
0.150%
| APY*:
0.15%
| Balances:
$25,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Cumulative IRA Share | $50,000.00 - $74,999.99
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$50,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Cumulative IRA Share | $75,000.00 - $99,999.99
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$75,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Cumulative IRA Share | $100,000.00 +
|
Dividend Rate:
0.200%
| APY*:
0.20%
| Balances:
$100,000.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
The Cumulative IRA is a tiered account. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.
Fixed Rate IRA Certificate Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded |
|---|---|---|---|---|
Type:
Fixed Rate IRA Certificate | 12 Month
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate IRA Certificate | 18 Month
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate IRA Certificate | 24 Month
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate IRA Certificate | 36 Month
|
Dividend Rate:
0.445%
| APY*:
0.45%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate IRA Certificate | 48 Month
|
Dividend Rate:
0.499%
| APY*:
0.50%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Fixed Rate IRA Certificate | 60 Month
|
Dividend Rate:
0.548%
| APY*:
0.55%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
No deposits allowed except at maturity or during the grace period.
Smart Start and Variable Rate IRA Certificate Rates
| Type | Dividend Rate | APY* | Balances | Dividends Compounded |
|---|---|---|---|---|
Type:
Smart Start IRA Certificate | 12 Month
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$100.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Type:
Variable Rate IRA Certificate | 18 Months
|
Dividend Rate:
0.399%
| APY*:
0.40%
| Balances:
$500.00 Minimum Balance to Earn Stated APY
|
Dividends Compounded:
Quarterly
|
Smart Start IRA Certificate - Additional deposits allowed during the term, $5 minimum.
Variable Rate IRA Certificate - Additional deposits allowed, $5 minimum. Dividend rate & APY subject to change during the term.
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