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Current Rates – Loans

Loan Rates

Personal Loans/Lines of Credit – Rates as low as 8.99% APR*, terms up to 60 months.

Auto Loans APR* Loan Term**
New Vehicles 1.99%     Terms up to 84 Months
Used Vehicles 3.00%     Terms up to 84 Months
Recreational Vehicles 3.75%     Terms up to 120 Months
Home Loans APR* Loan Term**
Home Equity Loans*** 4.00% Contact Credit Union
First Mortgage Contact Credit Union Terms up to 180 Months
Fixed Rate Second Mortgage Contact Credit Union Terms up to 180 Months

Credit Card Rates

APR* Minimum Grace Period for Purchases Minimum Finance Charge Annual Fee Method of Computing Balance for Purchases
Visa Classic 12.00% to 17.20% 25 Days $0.01 None Average Daily Balance (Including new purchases)
Visa Gold 11.00% to 17.20% 25 Days $0.01 None Average Daily Balance (Including new purchases)
Visa Platinum 9.25% to 17.20% 25 Days $0.01 None Average Daily Balance (Including new purchases)

Other Fees:

Transaction Fee for Purchases………$0
Cash Advance Fee……………………..$0
Late Payment Fee…………………$20.00
Over Credit Limit Fee………………….$0
Cash Advance APR………………..Purchase APR
Foreign Transaction Fee.. 1.00% of transaction amount

*Annual Percentage Rate. Rates as low as. Your credit rating, collateral value, and loan term are used to determine your final rate.
**The longest term does not always qualify for the lowest rate.
*** Variable rate tied to Prime as published in the Wall Street Journal on the business day of each month. Floor rate is 4.00% APR. Maximum rate is 18.00% APR.
All loan rates offered by First Education Federal Credit Union are subject to change without notice. Call the Credit Union at (307)432-­7400 for the most current rates.
Most loans qualify for a relationship discount. If you have an active checking account and/or an active Visa card with First Education, you may qualify for an additional .50% APR discount.

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