Rates

Consumer Loans

Printable Rates

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Table data for Auto Loan Rates
 07-16-2018
Type Term1 APR (as low as)2 Alert Me
New Auto up to 36 months 1.79% Receive a notification when this rate changes
up to 48 months 2.94% Receive a notification when this rate changes
up to 60 months 3.09% Receive a notification when this rate changes
up to 72 months 3.84% Receive a notification when this rate changes
up to 84 months 4.34% Receive a notification when this rate changes
Used Auto3 up to 36 months 2.49% Receive a notification when this rate changes
up to 48 months 3.39% Receive a notification when this rate changes
up to 60 months 3.49% Receive a notification when this rate changes
up to 66 months 3.95% Receive a notification when this rate changes
up to 72 months 4.35% Receive a notification when this rate changes
External Refinances4 up to 72 months4 .25% rate discount5 Receive a notification when this rate changes
  • 1Term restrictions may apply for excess miles/mileage (100,000+ up to 175,000). Refinance terms up to 72 months only.
  • 2Annual Percentage Rates (APRs) are based on an evaluation of credit. Maximum LTV may vary, based on borrower's credit profile.
  • 32015 to 2018 model years only for used auto loans up to 72 months.
  • 42015 to 2018 model years only for refinance terms up to 72 months.
  • 5Refinancing of loans from other institutions only; existing FCFCU loans and auto purchases are not eligible for rate discount. Rates are subject to change at any time and without notice. Ask for details.

Printable Rates

Table data for Boat & RV Loan Rates
 07-16-2018
Type Term APR (as low as)1 Alert Me
New & Used up to 60 months 5.74% Receive a notification when this rate changes
up to 84 months 6.74% Receive a notification when this rate changes
up to 120 months2 7.74% Receive a notification when this rate changes
  • 1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
  • 2$10,000 minimum loan amount for 85+ months.

Table data for Motorcycle Loan Rates
 07-16-2018
Type Term APR (as low as) Alert Me
New Motorcycle up to 84 months 5.24% Receive a notification when this rate changes
Used Motorcycle up to 66 months 6.24% Receive a notification when this rate changes

Printable Rates

Table data for Credit Cards
 07-16-2018
Credit Card APR (as low as) Alert Me
VISA Platinum 8.74%1
VISA Platinum Rewards 10.00%1
VISA Platinum Secured 8.74%1
VISA Platinum Rewards Secured 10.00%1
  • 1APR=Annual Percentage Rate. All applicants applying for a Visa will be reviewed for creditworthiness. If approved, the type of card (Platinum, Platinum Rewards), rate and the credit line granted are subject to the credit union’s underwriting guidelines. VARIABLE RATE INFORMATION: Visa Platinum: The APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%; Visa Platinum Rewards: The APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.
VISA Credit Card Agreement

Printable Rates

Table data for Personal Loan Rates
 07-16-2018
Type Term APR (as low as)1 Alert Me
Personal Line of Credit (variable rate) N/A 10.75%
Personal Loan Special (fixed rate)2 up to 12 months 4.99%
Personal Loans (fixed rate) up to 24 months 9.24%
up to 60 months 10.24%
Secured Loan (fixed rate) up to 60 months 4.00%
  • 1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
  • 2$2,500 Maximum

Mortgages and Home Equity

Printable Rates

Table data for Mortgage - Fixed Rate
 07-16-2018
Term Points Rate (as low as) APR1 Alert Me
10 Years 0 4.125% 4.295% Receive a notification when this rate changes
3 3.625% 4.449% Receive a notification when this rate changes
15 Years 0 4.250% 4.368% Receive a notification when this rate changes
3 3.750% 4.321% Receive a notification when this rate changes
20 Years 0 4.500% 4.593% Receive a notification when this rate changes
3 4.000% 4.448% Receive a notification when this rate changes
30 Years 0 4.750% 4.824% Receive a notification when this rate changes
3 4.250% 4.578% Receive a notification when this rate changes
NMLS 595144
  • 1All APR calculations for fixed and adjustable mortgage rates are based on $100,000 loan amount with 20%, 30 days of interest, and applicable repaid charges.

Table data for Mortgage - FHA Rate
 07-16-2018
Term Points Rate (as low as) APR Alert Me
30 years 0 4.500% 4.590%
APR calculations for FHA rates are based on a $75,000 loan amount, and applicable prepaid charges. Please contact the mortgage department for down payment requirements - 610.997.6390. NMLS 595144

Table data for Mortgage - Adjustable Rate
 07-16-2018
Term1 Points Rate (as low as) APR Alert Me
1/1 Adjustable 0 3.875% 3.940%
3/1 Adjustable 0 4.625% 4.693%
5/1 Adjustable 0 3.375% 3.439%
7/1 Adjustable 0 3.500% 3.564%
10/1 Adjustable 0 3.750% 3.815%
5/5 Adjustable2 0 3.625% 3.689%
NMLS 59514
  • 1Maximum term is 30 years.
  • 25/5 Rate: Rate can increase or decrease up to 2% after 5 years, and 60 months thereafter. Lifetime Cap is 6%. Rates are based on an evaluation of applicant credit.

Table data for Mortgage - JUMBO Adjustable Rate
 07-16-2018
Term Points Rate (as low as) APR (as low as)1 Alert Me
1/1 Adjustable 0 4.125% 4.191%
3/1 Adjustable 0 4.875% 4.944%
5/1 Adjustable 0 3.625% 3.639%
7/1 Adjustable 0 3.750% 3.764%
10/1 Adjustable 0 4.000% 4.014%
5/5 Adjustable 0 3.875% 3.889%
Loan Amounts from $417,001 up to $750,000. Margin is based on credit score. Terms up to 360 months. Please contact the Mortgage Department for down payment requirements at 610.997.6390. NMLS 59514
  • 1APR denotes Annual Percentage Rate

Printable Rates

Table data for Home Equity Loans
 07-16-2018
Term Loan to Value 1st Lien Position - APR (as low as) 2nd Lien Position - APR (as low as) Alert Me
5 Years up to 80% 3.59% 3.89%
up to 90% 3.84% 4.89%
10 Years up to 80% 3.74% 4.39%
up to 90% 4.24% 5.79%
15 Years up to 80% 4.49% 5.24%
up to 90% 4.74% 6.39%
20 Years up to 80% 4.74% 5.74%
up to 90% 4.99% 6.89%
APR denotes Annual Percentage Rate. All APR calculations on Home Equity Loans are based on a $20,000 loan amount. The rates for this loan type are based on an evaluation of applicant credit. Maximum LTV for loan amounts up to $150,00 is up to 90%. The Maximum LTV for any loan amounts over $150,00 and up to $500,000 is 80%.

Table data for Home Equity Line of Credit
 07-16-2018
Term Loan to Value APR (as low as) Non-Promo Rate Alert Me
1-Year Fixed-Rate Introductory Period up to 80% 2.49% 5.00%
up to 85% 2.99% 5.50%
3-Year Fixed-Rate Introductory Period up to 80% 4.25% 5.00%
up to 85% 4.75% 5.50%
1-Year Fixed-Rate Introductory Period with Interest Only Payments up to 75% 2.49% 5.00%
3-Year Fixed-Rate Introductory Period with Interest Only Payments up to 75% 4.24% 5.00%
APR denotes Annual Percentage Rate. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate plus a margin with a minimum floor of 3.50% ARPR and a maximum ceiling of 15% APR. The rates for this loan type after the introductory period are based on the applicant’s credit score at time of application.

Savings

Printable Rates

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Table data for Savings Account Rates
 07-16-2018
Type Minimum Balance Dividend Rate APY1 Alert Me
Savings $5 0.10% 0.10%
Club Account None 0.10% 0.10%
IRA Savings None 0.10% 0.10%
Health Savings $10,000 or greater 0.30% 0.30%
$1,500 or greater 0.15% 0.15%
Less than $1,500 0.10% 0.10%
  • 1APY = Annual Percentage Yield

Table data for Money Market Account Rates
 07-16-2018
Type Balance Dividend Rate APY1 Alert Me
Money Market/Money Market IRA $50,000 or greater 0.33% 0.33%
$25,000 or greater 0.30% 0.30%
$10,000 or greater 0.24% 0.24%
$2,500 or greater 0.21% 0.21%
Less than $2,500 0.00% 0.00%
Elite Money Market/Elite Money Market IRA $250,000 or greater 0.43% 0.43%
$100,000 or greater 0.37% 0.37%
$50,000 or greater 0.35% 0.35%
Less than $50,000 0.10% 0.10%
  • 1APY = Annual Percentage Yield

Printable Rates

Table data for Checking Account Rates
 07-16-2018
Type Minimum Balance Dividend Rate APY1 Alert Me
Value Checking None 0.00% 0.00%
Preferred Checking $10,000 or greater 0.05% 0.05%
$1,500 or greater 0.02% 0.02%
Less than $1,500 0.00% 0.00%
Elite Checking $25,000 or greater 0.10% 0.10%
Less than $25,000 0.00% 0.00%
  • 1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

Certificates

Printable Rates

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Table data for Certificate Specials
 07-16-2018
Term Dividend Rate APY1 Alert Me
8 Months2 1.39% 1.40%
8 Months (Jumbo)3 1.64% 1.65%
20 Months4 1.98% 2.00%
  • 1APY = Annual Percentage Yield
  • 2APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be open online; must be opened in a financial center or over the phone
  • 3APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $100,000 minimum balance to open. New money or current ongoing direct deposit of at least $500/month. Cannot be open online; must be opened in a financial center or over the phone. Includes IRA and Business Certificates.
  • 4APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 18-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be open online; must be opened in a financial center or over the phone

Table data for Certificates & IRA Certificates
 07-16-2018
Term Dividend Rate1 APY2 Alert Me
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
9 Months 0.35% 0.35%
12 Months 0.40% 0.40%
18 Months 0.75% 0.75%
24 Months 1.54% 1.55%
30 Months 0.85% 0.85%
36 Months 1.14% 1.15%
48 Months 1.59% 1.60%
60 Months 2.28% 2.30%
  • 1The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.
  • 2APY = Annual Percentage Yield

Table data for Easy Access Featured Certificate
 07-16-2018
Term1 Dividend Rate APY2 Alert Me
15 Months 0.35% 0.35%
  • 1May be redeemed one time without penalty. $2,000 minimum balance, $50,000 maximum balance.
  • 2APY = Annual Percentage Yield

Business

Printable Rates

Table data for Business - Checking Advantage I
 07-16-2018
Balance Dividend Rate APY1 Alert Me
$250,000 or greater 0.20% 0.20%
$100,000 or greater 0.15% 0.15%
$50,000 or greater 0.05% 0.05%
$10,000 or greater 0.05% 0.05%
$2,500 or greater 0.05% 0.05%
Less than $2,500 0.00% 0.00%
Minimum balance for this account is $1,000.
  • 1APY = Annual Percentage Yield

Table data for Business - Checking Advantage II
 07-16-2018
Balance Dividend Rate APY1 Alert Me
$250,000 or greater 0.15% 0.15%
$100,000 or greater 0.10% 0.10%
$50,000 or greater 0.03% 0.03%
$10,000 or greater 0.03% 0.03%
$2,500 or greater 0.03% 0.03%
Less than $2,500 0.00% 0.00%
Minimum balance for this account is $2,500.
  • 1APY = Annual Percentage Yield

Table data for Business - Money Market
 07-16-2018
Balance Dividend Rate APY1 Alert Me
$50,000 or greater 0.25% 0.25%
$25,000 or greater 0.25% 0.25%
$10,000 or greater 0.12% 0.12%
$2,500 or greater 0.10% 0.10%
  • 1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

Table data for Business - Elite Money Market
 07-16-2018
Balance Dividend Rate APY1 Alert Me
$250,000 or greater 0.35% 0.35%
$100,000 or greater 0.35% 0.35%
$50,000 or greater 0.30% 0.30%
Less than $50,000 0.10% 0.10%
  • 1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

Table data for Business - Savings
 07-16-2018
Dividend Rate1 APY2 Alert Me
0.10% 0.10%
  • 1Regular Savings Accounts require a $5.00 minimum balance when opening the account.
  • 2APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

Table data for Business Certificates
 07-16-2018
Term Dividend Rate1 APY2 Alert Me
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
9 Months 0.35% 0.35%
12 Months 0.40% 0.40%
18 Months 0.75% 0.75%
24 Months 1.54% 1.55%
30 Months 0.85% 0.85%
36 Months 1.14% 1.15%
48 Months 1.59% 1.60%
60 Months 2.28% 2.30%
  • 1The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.
  • 2APY = Annual Percentage Yield
Table data for Certificate Specials
 07-16-2018
Term Dividend Rate APY1 Alert Me
8 Months2 1.39% 1.40%
8 Months (Jumbo)3 1.64% 1.65%
20 Months4 1.98% 2.00%
  • 1APY = Annual Percentage Yield
  • 2APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be open online; must be opened in a financial center or over the phone
  • 3APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $100,000 minimum balance to open. New money or current ongoing direct deposit of at least $500/month. Cannot be open online; must be opened in a financial center or over the phone. Includes IRA and Business Certificates.
  • 4APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 18-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be open online; must be opened in a financial center or over the phone

Consumer Fees

Printable Fees

Table data for Consumer Fee Schedule
 08/15/2014
Fee Amount Alert Me
ELITE CHECKING
Minimum Balance Fee $15 if balance is below $25,000 at month end
PREFERRED CHECKING
Minimum Balance Fee $10 if balance is below $2500 at month end
Excess ATM/PIN Based Debits $1/each after 10 PIN based debits per month
VALUE & VISIONS CHECKING
Check Printing Fee Prices vary depend on style
Copy of Check (up to 12 months) $3
Excess ATM PIN Based Debits for Value Checking $1/each after 10 PIN based debits per month
Traditional Travelers Cheques 1% of purchase
Travelers Cheques for Two 1.5% of purchase
FRESH START CHECKING
Monthly Service $10
Excess ATM PIN Based Debits $1/each after 10 PIN based debits per month
SHARE SAVINGS ACCOUNT
Excess ATM/PIN Based Debits for $1/each after 5 PIN based debits per month
GENERAL FEE LISTING
Account Balancing Assistance $20Hour
Account Research $20/Hour
Account Activity Printout $5/Printout
Automatic Overdraft Transfer to and from Checking or Savings $5/Each
Dormant Savings Account Fee $5/Month if no activity for the prior 12 months.
Early Account Closure Fee $20 if closed within 90 days of opening
Collection Item (Outgoing) $100
Deposited Checks and Other Items Returned Unpaid $15
Failing to Update Address $5
Club Account Withdrawals $10/Withdrawal After 1 per term.
Locator Service $10/Bad Address
Mailing a Certificate Dividend Check $2
Mailing Club Account Check $2.00
Nonsufficient Funds and Other Returned Items $33
Courtesy Pay $33
Stop Payment ACH Fee $25
Stop Payment for Check Fee $22
Stop Payment (Series of Checks) Fee $27
Stop Payment "Bank Checks" Fee $25
Transferring IRA Funds from FCFCU $10
Transferring HSA Funds from FCFCU $10
OTHER SERVICE FEES
VISA Gift Cards $3
American Express Gift Cheques $2
Wire Transfer Fee (Outgoing-Domestic) $25/transfer
Wire Transfer Fee - (Incoming) $10
Western Union Fee $3 + Western Union Fee
Safe Deposit Box 3" x 5" x 24"1 $30 Annually
Safe Deposit Box 5" x 5" x 24"1 $40 Annually
Safe Deposit Box 3" x 10" x 24"1 $45 Annually
Safe Deposit Box 5" x 10" x 24"1 $65 Annually
Safe Deposit Box 10" x 10" x 24"1 $105 Annually
Drilling Safe Box Market
Lost Safe Box Key $5
Money Order $4.00/Money Order
External Transfer Fee (Outgoing) $3
LEGAL ACTIONS
IRS Levy/Garnishments/Other Up to $250.00
Escheatment Processing Fee $50
PLASTIC CARD(S) FEES
Monthly ATM Card Usage $1.50
Replacing a Plastic Card $10
VISA Gift Cards $3
  • 1Box access requires a key. Box owners are granted access after ID and signature are verified. Privacy booths are available for your convenience. Boxes available in our Allentown, Bethlehem, Easton, Fogelsville and Kutztown Financial Centers.

Printable Fees

Table data for Safe Deposit Box
 08-15-2014
Size of Box Amount Alert Me
3" x 5" x 24" $30 Annually
5" x 5" x 24 $40 Annually
3" x 10" x 24 $45 Annually
5" x 10" x 24" $65 Annually
10" x 10" x 24 $105 Annually
Box access requires a key. Box owners are granted access after ID and signature are verified. Privacy booths are available for your convenience. Boxes available in our Allentown, Bethlehem, Easton (4300 William Penn Hwy), Fogelsville and Kutztown Financial Centers.