Rates

Savings Rates

Rates are determined by underwriting factors and may vary based on the information submitted on an application. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice. Contact the Credit Union for the latest on rate information.

 

Effective: January 1, 2017

 

All rates are subject to change without notice.

 

Share Savings and Club Savings Account

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. As of January 1, 2017, your Primary/Club Savings Account will earn dividends according to the following schedule:

 

Balance Limits Dividend Rate APY
$100.00 – $999.99 (aver. daily balance) 0.05% 0.05%
$1,000.00 – $4,999.99 (aver. daily balance)  0.05% 0.05%
$5,000.00 and over (aver. daily balance) 0.10% 0.10%

 

Nature of Dividends

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Compounding and Crediting
Dividends will be compounded every day and will be credited to your account quarterly.

 

Dividend Period
For this account type, the dividend period is quarterly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

 

Minimum Balance Requirements
The minimum balance to open this account is $5.00. You must open a Share Savings Account to be a member. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

 

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day.

 

Accrual of dividends on non-cash deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed these transfer limitation set forth above, your account may be subject to a fee or may be closed.

 

Par Value of Share
The par value of a regular share in this Credit Union is $5.

 

Fees and Charges
Please refer to our Fee Schedule.

 

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

 

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

 

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

Money Market

This account is a Variable Rate Account. The Dividend Rate and Annual Percentage Yield (APY) may change daily. As of January 1, 2017, your Money Market Account will earn dividends according to the following schedule:

 

Balance Limits  Dividend Rate APY
$1,000 – $2,499.99 (aver. daily balance)  0.05% 0.05%
$2,500.00 – $4,999.99 (aver. daily balance) 0.10% 0.10%
$5,000.00 and over (aver. daily balance) 0.15% 0.15%

 

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

 

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly.

 

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

 

Minimum Balance Requirements
The minimum balance required to open this account is $1,000.00. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.

 

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day.

 

Accrual of dividends on non-cash deposits.

 

Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account may be subject to a fee or may be closed.

 

Fees and Charges
An excess withdrawal fee of $5.00 will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of six during a month.) Please refer to our Fee Schedule.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

 

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

 

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

IRA Share Account


This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. As of January 1, 2017, your IRA Share Account will earn dividends according to the following schedule:

 

Type Dividend Rate APY
Regular 0.15% 0.15%
ROTH 0.15% 0.15%

 

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

 

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you close this account before dividends are paid, you will receive the accrued dividends.

 

Minimum Balance Requirements
The minimum balance to open this account is $0.00. You must maintain a minimum daily balance of $0.00 to earn dividends on this account.

 

Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. ?Daily? means that a daily periodic rate is applied to the principal in the account each day.

 

Date Dividends Accrue
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Fees and Charges
Please refer to our Fee Schedule.

 

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

 

Par Value of Shares; Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is monthly, beginning on the first day of the month and ending on the last day of the month.

 

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

 

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

 

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a co-maker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

Share Checking Account - Share Draft

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. Rate as of January 1, 2017, are as follows:

 

Balance Limits Dividend Rate APY
$250.00 – $999.99 (aver. daily balance)  0.05% 0.05%
$1,000.00 – $2,499.99 (aver. daily balance)  0.05% 0.05%
$2,500.00 and over (aver. daily balance) 0.05% 0.05%

 

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

 

Compounding and Crediting
Dividends will be compounded every month and will be credited to your account monthly.

 

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

 

Minimum Balance Requirements
You must maintain a minimum daily balance of $250.00 in your account to avoid a monthly service charge fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a monthly service charge fee. Please refer to our Fee Schedule You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

 

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits.

Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

Prime Time Checking - Share Draft

This account applies to members 60 years of age or older, proof of age is required. This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. Rate as of January 1, 2017, are as follows:

 

Balance Limits Dividend Rate APY
$250.00 – $999.99 (aver. daily balance)  .05% .05%
$1,000.00 – $2,499.99 (aver. daily balance)  .05% .05%
$2,500.00 and over (aver. daily balance)  .05% .05%

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

 

Compounding and Crediting
Dividends will be compounded every month and will be credited to your account monthly.

 

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

 

Minimum Balance Requirements
No minimum balance requirements apply to this account.

 

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits.

Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

Mini Checking - Share Draft


This account does not earn dividends.

 

Minimum Balance Requirements
You must maintain a minimum daily balance of $100.00 in your account to avoid a monthly service charge fee. If, during any month, you r account balance falls below the required minimum daily balance, your account wil be subject to a monthly service charge fee. Please refer to our Fee Schedule. You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

 

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

 

Share Certificates, IRA Certificates

 

Available Terms  Dividend Rate APY
Balance  $500 – $9,999
6 months 0.10% 0.10%
12 months 0.10% 0.10%
18 months 0.15% 0.15%
24 months 0.20% 0.20%
36 months 0.25% 0.25%
Balance $10,000 – $49,999
6 months 0.10% 0.10%
12 months 0.15% 0.15%
18 months 0.20% 0.20%
24 months 0.25% 0.25%
36 months 0.30% 0.30%
Balance $50,000 and over
6 months 0.10% 0.10%
12 months 0.20% 0.20%
18 months 0.25% 0.25%
24 months 0.30% 0.30%
36 months 0.35% 0.35%

 

Early Withdrawal Penalties

We may impose a penalty if you withdraw any of the principal in your account before the maturity date. Penalties are calculated as follows:
6, 12, 18, 24 and 36 month maturities
We may impose a penalty if you withdraw any of the principal in your account before the maturity date. The penalty will equal 90 days dividend on the amount withdrawn.

 

Renewal Policies
Your account will automatically renew on its maturity date. There is a 10 day grace period following the maturity of this account.

 

Bonuses
There are no bonuses associated with this account.

 

Transaction Limitations
After the account is opened, you may not make deposits into the account until the maturity date stated on the share certificate.

 

Accrual of Dividends
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

 

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

 

Compounding and Crediting
Dividends will be compounded monthly and will be credited to this share certificate account. The dividend period is monthly.

 

Minimum Balance Requirements
The minimum balance required to open an account is $500.00.

 

Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. “Daily” means that a daily periodic rate is applied to the principal in the account each day.

 

Fees and Charges
Please refer to our Fee Schedule.

 

Par Value Of Shares; Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is (monthly), beginning on the first day of the month and ending on the last day of the month.

 

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

 

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.
No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member’s total primary and contingent liability to the credit union.
No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.

Loan Rates

Don’t forget, we’ll match your rate!! Bring in your loan from another financial institution and we’ll match it. Members must provide proof of current loan rate. Fremont First will finance for the remaining term of the original loan. With NO early prepayment penalties, you can’t go wrong! The rate will not go below 2.99%. Loans excluded are First Mortgages, Home Equity Lines of Credit , Vehicle Leases, and Credit Cards. Subject to credit approval. New money only.

 

Rates are determined by underwriting factors and may vary based on the information submitted on an application. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice. Contact the Credit Union for the latest on rate information.

 

All rates listed are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher). Your estimated monthly payment amount is calculated by multiplying the “EST PAYMENT” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

 

Effective: January 1, 2017

 

All rates are subject to change without notice.

 

Model Year 2016 and Newer (secured)

Terms Up to APR* Est Payment*
36 Months As low as 3.24% $29.19
48 Months As low as 3.74% $22.46
60 Months As low as 3.99% $18.41
72 Months As low as 4.74% $15.98
84 Months As low as 5.74% $14.48

Rates and terms for new vehicles.

*Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher).

*Est Payment

Your estimated monthly payment amount is calculated by multiplying the “Est Payment” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

Used Car Loans (secured)

Year APR* EST Payment*
Based on 48 Month Term
2014 & 2015 As low as 4.25% $22.69
2011 – 2013 As low as 4.75% $22.92
2008 – 2010 As low as 5.25% $23.14
2007 and older As low as 9.90% $25.31

Rates and terms for used vehicles.

*Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher).

*Est Payment

Your estimated monthly payment amount is calculated by multiplying the “Est Payment” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

 

Other Collateral Loans

New (secured)
Term APR* Est Payment*
36 months As low as 4.00% $29.52
48 months As low as 4.50% $22.80
60 months As low as 5.00% $18.87
72 months As low as 5.50% $16.69
Used (secured)
Term APR* Est Payment*
36 months As low as 4.50% $29.75
48 months As low as 5.00% $23.03
60 months As low as 5.75% $19.22
72 months As low as 6.25% $16.69

Rates and terms for new and used boats, campers, motorcycles, and recreational vehicles.
*Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher).

*Est Payment

Your estimated monthly payment amount is calculated by multiplying the “Est Payment” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

Motor Home Loans

New (secured)
Term APR* Est Payment*
60 months As low as 4.00% $18.42
96 months As low as 5.00% $12.66
120 months As low as 6.00% $11.10
Used (secured)
Term APR* Est Payment*
60 months As low as 5.00% $18.87
96 months As low as 6.00% $13.14
120 months As low as 7.00% $11.61

Rates and terms for new and used boats, campers, motorcycles, and recreational vehicles.
*Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher).

*Est Payment

Your estimated monthly payment amount is calculated by multiplying the “Est Payment” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

Mortgage Lending

 

Home Equity Loans -Fixed Rate – 80% Loan to Value
Term APR* Est Payment*
60 months As low as 3.25% $18.08
84 months As low as 3.50% $13.44
120 months As low as 3.75% $10.01

Other rates and terms available, including up to 100% LTV

Rates and terms for Home Equity Loans- Fixed Rate

*Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant’s credit rating and credit history (your actual rate may be higher).

*Est Payment

Your estimated monthly payment amount is calculated by multiplying the “Est Payment” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category. The credit union’s loan programs, rates, terms and conditions are subject to change without notice.

 

Home Equity Line of Credit – Variable Rate
Line of Credit Options
80% LTV Prime Rate
90% LTV Prime + 1.00%
Floor Rate on the Open End Home Equity is 6.00% and the Ceiling Rate is 15.00%. Contact the Credit Union for current rates.

 

First Mortgage Loans
First mortgage loans are subject to change daily, contact the Credit Union for the current rate.

 

Centennial Lending

centennial-lending-logoChoose a mortgage plan that fits your needs.  We know that selecting a trusted lender comes down to more than just an interest rate. Our experienced residential and commercial mortgage loan officers understand that flexible rates and terms are just the beginning!
We offer the following services: residential mortgages, commercial loans, construction loans and vacant land loans. We offer conventional mortgage loans as well as VA and FHA loans. We also offer both residential and commercial construction loans with terms from 6 – 12 months.

 

 

 

 

VISA Credit Card

 

Description Disclosure
Annual Percentage Rate – Fixed Rate 11.90%
Annual Membership Fee $0.00
Grace Period for Purchases 25 days
Method of Computing Balances Average Daily Balance
Late Payment Fee $15.00
Cash Advance Fee  $2.00 ATM/Over the Counter


The Visa Classic credit card APR (Annual Percentage Rate) for purchases listed above is effective on 01-01-17. A finance charge will be imposed on credit purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement. A finance charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted, whichever is later, and will otherwise be calculated in the same manner as explained for Credit Purchases. Rates and terms are subject to change.

LOST OR STOLEN VISA DEBIT CARDS OR stolen card numbers SHOULD BE REPORTED TO 1-800-500-1044

LOST OR STOLEN VISA CREDIT CARDS OR stolen card numbers SHOULD BE REPORTED TO 1-800-808-7230

 

 

Other Lending Services

 

Please contact the Credit Union for more information about these services.
Certificate Secured Loan
Line of Credit
Overdraft Protection
Personal Loans
Share Secured Loan