First Eagle

RATES

Auto & Vehicle Loan Rates

NEW AUTO TERM APR* (AS LOW AS) MONTHLY PAYMENT AS PER $1,000
2019 & 2020 36 months 2.49% $28.86
  48 months 2.49% $21.91
  60 months 2.74% $17.85
  72 months 2.99% $15.19
  84 months 3.74% $13.55

 

USED  AUTO TERM APR* (AS LOW AS) MONTHLY PAYMENT AS PER $1,000
  36 months 2.74% $28.97
  48 months 2.74% $22.02
  60 months 2.99% $17.96
Minimum finance $15,000 72 months 3.24% $15.30
Minimum finance $35,000 84 months 3.99% $13.66
Model Year-Older than 10 yrs. 5.24%

Boats & RV's

 

NEW BOATS / REC. VEHICLES  TERM APR* (AS LOW AS) MONTHLY PAYMENT AS PER $1,000
  60 months 4.59% $18.68
  84 months 2.74% $14.41
  120 months 5.79% $11.00
  144 months 5.99% $9.75

 

USED BOATS / REC. VEHICLES  TERM APR* (AS LOW AS) MONTHLY PAYMENT AS PER $1,000
  60 months 4.99% $18.87
  84 months 5.79% $14.57
  120 months 5.99% $11.10

*APR=Annual Percentage Rate. Rates are based on an evaluation of each applicant’s credit history, your rate could be higher. The above New/Used Auto rates are also based on a down payment of 10% or more. Add 0.25% to the advertised rate if down payment is less than 10%. Monthly payment example based on a minimum finance of $30,000, unless otherwise noted.

¹New auto purchase or refinance is for vehicles that are less than 12 months old and registered to the original owner.
²Used vehicles are based on NADA values.

Motorcycle Loans – Terms up to 5 years –see Auto Loan terms and down payment–

New rates as low as 4.59% APR*
Used rates as low as 5.59% APR*

Personal Loan Rates

AMOUNT MAX. TERM APR*
(AS LOW AS)
MONTHLY PAYMENT PER $1,000
$1,001.00 – $2,500.00 24 months 9.00% $45.69
$2,501.00 – $5,000.00 36 months 9.00% $31.81
$5,000.00 – $15,000.00 48 months 9.00% $24.89
$2,500 or more 24 months or less 8.00% $45.24

 

*APR=Annual Percentage Rate. Any amount over $5,000 must be secured on a debt consolidation
**Personal Loans $1,000 or less, have a fixed rate of 18.00% APR (Annual Percentage Rate). Maximum term= 24 months. Monthly payment per $1,000= $15.21.

Share Secured Loan

Loan secured by a balance of Share Savings account; variable rate 3.00% above index*

*The APR (Annual Percentage Rate) for a Share Secured advance will be 3.00% above the dividend rate paid on the shares; maximum term 144 months. Payment example: $5,000 @ 3.15% for 60 months = 60 payments of $90.18 per month.

Share Certificate Secured Loan

Loan secured by a balance of Share Certificate; variable rate 3.00% above index*

*The APR (Annual Percentage Rate) for a Share Certificate Secured advance will be 3.00% above the dividend rate paid on the share certificate; term of the loan must be less or equal to the share certificate term.

First Mortgages

Home Equity Line Of Credit

MINIMUM AMOUNT MAXIMUM AMOUNT APR* (AS LOW AS)
$5,000.00 $150,000.00 4.00%

 

Home Equity Early Disclosure

Home Equity Early Disclosure (TX)

*APR=Annual Percentage Rate. Adjusted on the 1st day of each month, rate is based on the Prime Rate as published in the Wall Street Journal on the last day of the previous month. The maximum rate that can apply is 18.00% APR.

Home Equity Loans (Second Mortgages)

TERM APR* (AS LOW AS) MONTHLY PAYMENT PER $1,000
5 Year 4.39% $18.59
7 Year 4.59% $13.94
10 Year 4.79% $10.50
15 Year 4.99% $7.90

*APR=Annual Percentage Rate.

Credit Card Rates

Platinum: as low as 9.55% APR*

*APR=Annual Percentage Rate. The rate adjusts quarterly, on the first day of January, April, July, and October. The rate applied on those dates is based upon the Prime Rate in effect on the 20th of the month prior and remains in effect until the next change date. For example, Prime Rate effective 7/1/20 is 3.25% as published in the Wall Street Journal.

FEES:

  • Cash Advance Fee – $10.00 or 3.00% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee – 3.00% of each transaction in U.S. dollars

Overdraft Protection**

Maximum Amount $2,000.00
APR* 18.00%

 

*APR=Annual Percentage Rate
**Free transfer from savings or line of credit, based on Credit Union approval

Savings & Checking Rates

TYPE OF ACCOUNT BALANCE DIVIDEND RATE APY
Share Savings 0.10% 0.10%
Money Market Account $2,500 – $19,999.99 0.25% 0.25%
Split Rate $20,000 – $49,999.99 0.30% 0.30%
$50,000 and over 0.35% 0.35%
Premier Checking $25 minimum opening deposit 0.05% 0.05%
Essential Checking $25 minimum opening deposit 0.00% 0.00%
Freedom Checking $25 minimum opening deposit 0.00% 0.00%
Simple Checking $25 minimum opening deposit 0.00% 0.00%
Christmas Club Account 0.10% 0.10%
Vacation Club Account 0.10% 0.10%
IRA Shares $20 minimum 0.25% 0.25%

APY=Annual Percentage Yield. The required balance to earn dividends on a Club Account (Christmas or Vacation) is $100.00. Rates effective 7/1/20.

For Club accounts, dividends are paid at the end of the Club year. Balance plus dividends are rolled into the Prime Share account at the end of the Club year. The maturity date of a Vacation Club account is May 1st; the maturity date of a Christmas Club account is October 1st. Early withdrawal will result in loss of dividends, plus a fee of $3.00 per withdrawal.

Certificate Rates

SHARE CERTIFICATES ($500.00 MIN. BALANCE) DIVIDENDE BALANCE APY
3-Month Certificate 0.25% 0.25%
6-Month Certificate 0.40% 0.40%

 

IRA & SHARE CERTIFICATES ($500.00 MIN. BALANCE) DIVIDENDE BALANCE APY
1 Year Certificate 0.65% 0.65%
1½ Year Certificate 0.65% 0.65%
2 Year Certificate 0.75% 0.75%
2½ Year Certificate 0.75% 0.75%
3 Year Certificate 0.85% 0.85%
4 Year Certificate 0.90% 0.90%
5 Year Certificate 1.00% 1.00%

APY=Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce the earning of the account. Rates effective 7/28/20.

All rates in effect as of date listed and are subject to change without notice. Your savings insured to $250,000.00 by NCUA, a U.S. Government Agency. Rev 7/1/20.

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