Rates

Consumer Loans

Printable Rates

Auto Loan Rates

  •  04-28-2017
Type Term APR (as low as) Alert Me
New Auto up to 36 months 1.59%
up to 60 months 2.60%
up to 72 months 3.35%
up to 84 months 3.60%
Used Auto up to 36 months 2.34%
up to 60 months 3.10%
up to 66 months 3.85%
up to 72 months 3.85%
Maximum term for model years 2010 and older is 60 months for loan amounts of $10,000 and greater; 48 months for loan amounts under $10,000. Maximum LTV may vary, based on borrower's credit profile. Length of term is dependent on credit score. 2015 to 2017 model years only for used auto loans up to 72 months.

Printable Rates

Boat & RV Loan Rates

  •  04-28-2017
Type Term APR (as low as)1 Alert Me
New & Used up to 60 months 5.49%
up to 84 months 6.49%
up to 120 months2 7.49%
  • 1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.
  • 2$10,000 minimum loan amount for 85+ months.

Motorcycle Loan Rates

  •  04-28-2017
Type Term APR (as low as) Alert Me
New Motorcycle up to 84 months 4.99%
Used Motorcycle up to 66 months 5.99%

Printable Rates

Credit Cards

  •  04/01/2017
Credit Card APR (as low as) Alert Me
VISA Platinum 7.74%1
VISA Platinum Rewards 9.00%1
VISA Platinum Secured 7.74%1
VISA Platinum Rewards Secured 9.00%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

Personal Loan Rates

  •  04-28-2017
Type Term APR (as low as)1 Alert Me
Personal Line of Credit (variable rate) N/A 9.75%
Personal Loan Special (fixed rate)2 up to 12 months 4.99%
Personal Loans (fixed rate) up to 24 months 8.99%
up to 60 months 9.99%
Secured Loan (fixed rate) up to 60 months 3.25%
  • 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

Mortgage - Fixed Rate

  •  04-28-2017
Term Points Rate (as low as) APR1 Alert Me
10 Years 0 3.250% 3.376%
3 2.750% 3.519%
15 Years 0 3.375% 3.462%
3 2.875% 3.403%
20 Years 0 4.000% 4.069%
3 3.500% 3.917%
30 Years 0 4.250% 4.301%
3 3.750% 4.052%
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.

Mortgage - FHA Rate

  •  04-28-2017
Term Points Rate (as low as) APR Alert Me
30 years 0 4.000% 4.111%
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

Mortgage - Adjustable Rate

  •  04-28-2017
Term1 Points Rate (as low as) APR Alert Me
1/1 Adjustable 0 1.875% 1.919%
3/1 Adjustable 0 3.125% 3.172%
5/1 Adjustable 0 3.375% 3.423%
7/1 Adjustable 0 3.625% 3.674%
10/1 Adjustable 0 3.750% 3.799%
5/5 Adjustable2 0 3.625% 3.674%
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.

Mortgage - JUMBO Adjustable Rate

  •  04-28-2017
Term Points Rate (as low as) APR (as low as)1 Alert Me
1/1 Adjustable 0 2.125% 2.170%
3/1 Adjustable 0 3.375% 3.386%
5/1 Adjustable 0 3.625% 3.636%
7/1 Adjustable 0 3.875% 3.887%
10/1 Adjustable 0 4.000% 4.012%
5/5 Adjustable 0 3.875% 3.887%
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

Home Equity Loan Rate

  •  04/01/2017
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% 3.24% 3.89%
up to 90% 4.24% 4.89%
10 Years up to 80% 3.94% 4.49%
up to 90% 4.50% 5.79%
15 Years up to 80% 4.50% 5.39%
up to 90% 4.50% 6.39%
20 Years up to 80% 4.75% 5.89%
up to 90% 4.75% 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%.

Home Equity Line of Credit

  •  04/01/2017
Term Loan to Value APR (as low as) Non-Promo Rate Alert Me
1-Year fixed-rate introductory period up to 80% 2.24% 4.00%
up to 85% 2.74% 4.50%
3-Year fixed-rate introductory period up to 80% 4.00% 4.00%
up to 85% 4.50% 4.50%
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

Savings Account Rates

  •  04-28-2017
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

Money Market Account Rates

  •  04-28-2017
Type Balance Dividend Rate APY1 Alert Me
Money Market/Money Market IRA $50,000 or greater 0.23% 0.23%
$25,000 or greater 0.20% 0.20%
$10,000 or greater 0.14% 0.14%
$2,500 or greater 0.11% 0.11%
Less than $2,500 0.00% 0.00%
Elite Money Market/Elite Money Market IRA $250,000 or greater 0.33% 0.33%
$100,000 or greater 0.27% 0.27%
$50,000 or greater 0.25% 0.25%
Less than $50,000 0.10% 0.10%
  • 1APY = Annual Percentage Yield

Printable Rates

Checking Account Rates

  •  04-28-2017
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

Certificates & IRA Certificates

  •  04-28-2017
Term Dividend Rate1 APY2 Alert Me
3 Months 0.12% 0.12%
6 Months 0.15% 0.15%
9 Months 0.22% 0.22%
12 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.40% 0.40%
30 Months 0.50% 0.50%
36 Months 1.14% 1.15%
48 Months 1.54% 1.55%
60 Months 2.03% 2.05%
  • 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

Easy Access Featured Certificate

  •  04-28-2017
Term1 Dividend Rate APY2 Alert Me
15 Months 0.25% 0.25%
  • 1May be redeemed one time without penalty. $2,000 minimum balance, $50,000 maximum balance.
  • 2APY = Annual Percentage Yield

Business

Printable Rates

Business - Checking Advantage I

  •  04-28-2017
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

Business - Checking Advantage II

  •  04-28-2017
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

Business - Money Market

  •  04-28-2017
Balance Dividend Rate APY1 Alert Me
$50,000 or greater 0.22% 0.22%
$25,000 or greater 0.18% 0.18%
$10,000 or greater 0.12% 0.12%
$2,500 or greater 0.10% 0.10%
Less than $2,500 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.

Business - Elite Money Market

  •  04-28-2017
Balance Dividend Rate APY1 Alert Me
$250,000 or greater 0.32% 0.32%
$100,000 or greater 0.27% 0.27%
$50,000 or greater 0.24% 0.24%
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.

Business - Savings

  •  04-28-2017
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.

Business Certificates

  •  04-28-2017
Term Dividend Rate1 APY2 Alert Me
3 Months 0.12% 0.12%
6 Months 0.12% 0.12%
9 Months 0.22% 0.22%
12 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.40% 0.40%
30 Months 0.50% 0.50%
36 Months 1.14% 1.15%
48 Months 1.54% 1.55%
60 Months 2.03% 2.04%
  • 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

Consumer Fees

Printable Fees

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 branches.

Printable Fees

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, Fogelsville and Kutztown branches.