APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 06/30/2020. Fees may reduce earnings. Rates may change after accounts are opened.
Penalties may apply for early withdrawals Effective Date:09/11/2020
Term
Dividend Rate
Annual Percentage Yield
Min. Balance to open
3 Month
0.25%
0.25%
$500
6 Month
0.40%
0.40%
$500
12 Month
0.50%
0.50%
$500
24 Month
0.55%
0.55%
$500
36 Month
0.65%
0.65%
$500
48 Month
0.75%
0.75%
$500
60 Month
0.85%
0.85%
$500
CD Plus – 6 Month
0.30%
0.30%
$100
Jumbo 12 Month
0.55%
0.55%
$25,000
Jumbo 24 Month
0.65%
0.65%
$25,000
Jumbo 36 Month
0.75%
0.75%
$25,000
Jumbo 48 Month
0.85%
0.85%
$25,000
Jumbo 60 Month
0.95%
0.95%
$25,000
Save to Win-1 Year
0.25%
0.25%
$25.00
Loans
Secured Loans
Effective Date: 07/01/2020
Autos, Motorcycles, Boats, Campers, RV’s and Mobile Homes
Term
Annual Percentage Rate (As Low As)
24 months
2.49%
36 months
2.74%
48 months
2.99%
60 months
3.24%
72 months
3.49%
84 months
3.74%
*Longer terms may be available on Boats and RV’s
Unsecured Loans and Lines of Credit
Effective Date: 04/01/2019
Term
Annual Percentage Rate (As Low As)
All Reasons, All Seasons
6.90%* or 7.90%**
*Up to $3,000 for 12 months. **Up to $3,000 for 24 months.
Personal Loans-Up to 60 months
9.50%
Personal Line of Credit
18.00%
Home Equity Loans
Effective Date: 04/01/2019
Rate
Fixed Rate Home Equity Loan
As low as 4.50% APR*
Home Equity Line of Credit
As low as 4.00% APR*
APR=Annual Percentage Rate. Homes securing loan must be borrower’s primary residence and must be located within Allegan, Kent, Mason, Montcalm, Muskegon, Newaygo, Oceana, or Ottawa counties in Michigan. Loan rates may vary based on the borrower’s credit profile as determined by Family Financial Credit Union. Rates subject to change. Rates and terms shown may not apply to every borrower. Other rates and terms available. The Home Equity Line of Credit is a variable rate product and may change. The maximum APR that can apply is 18.00%.
For current mortgage rates, call Member First Mortgage toll free at 866.898.1818 or visit them online at www.memberfirstmortgage.com.
Visit Us
Membership is open to the community. Anyone who lives, works, worships or attends school in Allegan, Kent, Mason, Montcalm, Muskegon, Ottawa, Oceana, or Newaygo County can join and benefit from the great financial products and services offered by Family Financial Credit Union.
Don’t wait! Join the credit union today and enroll your family members. A referral is the best compliment. Tell your friends and neighbors to join Family Financial Credit Union too.
For more information on the benefits of membership in Family Financial Credit Union, stop by one of our four convenient locations or call 231.733.4600 or toll free 800.332.0779.