Rates

Rates effective as of September 29th, 2025. 

Rates may change after accounts are opened. Fees may reduce earnings.

APR = Annual Percentage Rate

APY = Annual Percentage Yield


Member accounts are insured to $1,000,000 (one-million dollars) - Federally insured by NCUA to $250,000 and an additional $750,000 by ESI, a private insurance company.

Share Certificates / IRA Certificates
Term Minimum Deposit Dividend Rate APY
180 Days* $500 3.50%
3.55%
12 Months* $500  3.31% 3.35%
18 Months* $500  3.31% 3.35%
24 Months* $500 2.97% 3.00%
36 Months* $500 2.97% 3.00%
48 Months* $500 2.97% 3.00%
60 Months* $500 2.97% 3.00%

* Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.   

IRA Share Accounts
Balance Tier Minimum Opening Deposit Dividend Rate APY
$0.01 - $2,000* $100 0.15% 0.15%
$2,000.01 - $10,000* $100 0.35% 0.35%
$10,000.01 and above* $100 0.45% 0.45%
IRA Withholding Notice (PDF)


* Dividends compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.


Checking
Account Balance Dividends Minimum Opening Deposit
NGAGE Spending - Qualified* $0.01 - $25,000 3.00% APY $25
NGAGE Spending - Qualified*  $25,000 and up 3.00 - 1.00% APY $25
NGAGE Spending - Non-qualified* $0.01 and up 0.05% APY $25
Share Draft/Checking Accounts $10,000.01 and up 0.10% APY $25

* All members are required to have eDocuments to open and/or maintain any NGAGE account with Family Savings. See NGAGE Spending Account Terms and Conditions for more information. 

** No minimum balance requirements. To qualify, members must have one (1) ACH electronic payment or electronic deposit, twelve (12) debit card transactions per month and keep a valid email address on file for eDocuments. Dividends are compounded and credited monthly to the account. No penalty for non-qualified accounts.

Savings
Account Balance Dividends Minimum Opening Deposit
NGAGE Saving -
qualified* **
 $0.01 - $25,000 1.50% APY $5
NGAGE Saving -
qualified* **
 $25,000.01 and up 1.50% - 0.70% APY $5
NGAGE Saving -
non-qualifed* **
 $0.01 and up 0.05% APY $5
Regular Share Savings $2,000.01 - $10,000 0.20% APY $5
Regular Share Savings $10,000.01 and up 0.30% APY $5
Christmas Club Accounts $1 0.20% APY $1 in-branch

* All members are required to have eDocuments to open and/or maintain any NGAGE account with Family Savings. See NGAGE Account Terms and Conditions to learn more. 

** Members who have an NGAGE Checking account automatically have an NGAGE Saving account. There are no penalties for non-qualifying NGAGE Spending accounts. QUALIFYING: Members must qualify in the NGAGE Spending account to qualify for the higher dividend rates in the NGAGE Saving Account. Dividends are compounded and credited monthly. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Money Market Account
Balance Up to APY
$499.99 0.00%
$500.00 - $9,999.99 1.50%
$10,000.00 - $24,999.99 2.00%
$25,000.00 - $49,999.99 2.50%
$50,000 and up 2.75%

* APY may change after account opening. Fees could reduce earnings.

APY = Annual Percentage Yield.
Must meet Field of Membership requirements. You must keep the $5.00 par value of a regular share in FSCU to maintain this account. There is no minimum balance that must be kept in the Money Market Share Account, but no dividends are earned on average daily balances of $499.99 or less. Rates subject to change after account is opened. Rates may change every month as determined by the Board of Directors. These annual percentage yields are accurate as of the last dividend declaration date. Fees and other conditions could reduce earnings on the accounts. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Period for our Money Market accounts is monthly. ** Member accounts insured to $1,000,000. Federally Insured by NCUA up to $250,000 and additionally insured up to $750,000 by ESI, a private insurance company. ***A Money Market Excessive withdrawal fee will be assessed if more than six withdrawals clear the account in a month.

 

Mortgages
Type of Mortgage Rate APR Points Term
First Mortgage Fixed Real Estate Loans
10 Year 6.10% APR 
15 Year 6.25% APR
20 Year 6.40% APR
 0
Terms up to 20 years
Second Mortgage Fixed Real Estate Loans 7.60% APR 0 10 Years
Construction Loans 7.25% APR 
(Based on Prime Rate
- Minimum of 5%) 		0 12 Months
Manufactured Home
10 Year 6.10% APR
15 Year 6.25% APR
 0 Terms up to 15 years
HELOC (85% Program)
7.75% APR- variable rate
(Based on Prime Rate plus 0.50% )
 0 Contact CU for terms
HELOC (100% Program)
9.25% APR- variable rate
(Based on Prime Rate plus 2.00% )
 0 Contact CU for terms

Loans
Loans Rate Term
New/ Newer Autos
(current year model to 2 years)		 4.99% -15.50% APR 
Rates subject to credit score, loan term, collateral age/mileage 		up to 84 months
Used Autos 4.99% -16.50% APR 
Rates subject to credit score, loan term, collateral age/mileage 		up to 84 months
Personal Loans 8.99% -17.50% APR 
Rates subject to credit score and term
 See CU for terms
Tractor
8.24%-16.00% APR
Rates subject to credit score,
loan term, collateral age
 up to 60 months
Motorcycle/ATV/Recreational Vehicle/Watercraft/Motorhome/Travel Trailer/Camper 7.24% -17.50% APR 
Rates subject to credit score,
loan term, collateral age/mileage 		up to 144 months
Credit Cards 11.25% -18.00% APR-variable rate
Rates subject to credit score		 Signature Rewards Program Terms & Conditions