Small Business Funding Rates
Must be in business for at least 6 months
Factor rates vary by amount funded, credit history and length of term.
See the following websites for terms and conditions for Business Funding. Entrust Business Funders, CapVance, Advance Merchant.
New and Used Vehicle Loans
(2006-2004 model years)
5.39% A.P.R. for up to 36 months
5.99% A.P.R. for up to 48 months
6.39% A.P.R. for up to 60 months
7.99% A.P.R. for up to 72 months
(2003-2000 model years)
6.89% A.P.R. for up to 48 months
(1999 and older model years)
7.89% A.P.R. for up to 36 months
Recreational Vehicle Loans
New and used boats, ATVs, snowmobiles, motor homes, and motorcycles.
5.59% A.P.R. for up to 36 months
6.29% A.P.R. for up to 48 months
6.59% A.P.R. for up to 60 months
8.29% A.P.R. for up to 72 months
8.89% A.P.R. for up to 120 months
Share Secured
4.00% above annual percentage yield.
(Secured by share or certificate accounts)
Secured VISA Credit Card
12.9% A.P.R. No annual fee/share secured
Personal Unsecured Loans
13.75% A.P.R. Terms/Amounts vary
Unsecured Line of Credit Loans
Overdraft Protection 12.9% A.P.R. No annual fee
Credit Rebuilder Loans
18% A.P.R. Terms/Amounts vary
VISA Classic Credit Card
12.9% A.P.R. No annual fee/25-day grace period
VISA Platinum Credit Card
9.9% A.P.R. No annual fee/25-day grace period
Home Equity Loans
5-year loan with 80% LTV 6.89% A.P.R.
5-year loan with 90% LTV 8.59% A.P.R.
5-year loan with 100% LTV 9.39% A.P.R.
10-year loan with 80% LTV 8.29% A.P.R.
10-year loan with 90% LTV 8.69% A.P.R.
10-year loan with 100% LTV 10.29% A.P.R.
12-year loan with 80% LTV 8.89% A.P.R.
12-year loan with 90% LTV 9.29% A.P.R.
12-year loan with 100% LTV 10.39% A.P.R.
Home Equity Line of Credit Loans
Current Rate -- 8.25% A.P.R. / Max. LTV 100%
Variable Rate -- Wall Street Journal Prime Rate +0%. Max. Rate 18%
Rates may change monthly.
Student Loans
Contact the Lending Department. Lender ID# - 833379
For fixed and variable-rate first mortgage loan rates, call Pete at 612-726-9292 Ext. 12.
Rates include a .25% APR discount for repayment of a loan through payroll deduction or debit from a FSFCU share account. Add .25% to APR for loans with coupon payment (excluding real estate and VISA).
A.P.R. is annual percentage rate. Rates are effective July 01, 2006, but are subject to change without notice.
Contact FSFCU for further information about our rates. Click here for more information regarding FSFCU's privacy policy.
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