Auto
New Auto Loans
*Rates are determined by each individual’s credit history and capacity to repay. RV represents Retail Value. Rates posted are subject to change without notice. Current rates are effective as of May 9, 2024.
705 FCU considers vehicles “new” when the vehicle is 1 year old (or less) and has under 30,000 miles on it.
Individuals with an E Credit Score can only finance up to $30,000 for a new vehicle.
| Finance Amount and Term | A+APR* | AAPR* | BAPR* | CAPR* | DAPR* | EAPR* |
|---|---|---|---|---|---|---|
| $5,000 and above (36 Month Term) | 5.00 | 5.50 | 6.50 | 8.50 | 10.50 | 17.00 |
| $10,000 and above (48 Month Term) | 5.25 | 5.75 | 6.75 | 8.75 | 10.75 | 17.00 |
| $15,000 and above (60 Month Term) | 5.50 | 6.00 | 7.00 | 9.00 | 11.00 | 17.00 |
| $25,000 and above (72 Month Term) | 5.75 | 6.25 | 7.25 | 9.25 | 11.25 | 17.00 |
| $40,000 and above (84 Month Term) | 6.00 | 6.50 | 7.50 | 9.50 | 11.50 | N/A |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 5.50% APR for 36-month financing, payments will be $29.97 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 120% of appraised value for a new vehicle depending on credit worthiness, purchase of GAP insurance, and term. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Pre-Owned Auto Loans
All are up to 100% Black Book RV with Gap Insurance up to 120%. The price of the vehicle determines the term of the loan and APR (Annual Percentage Rate.) 705 FCU only finances pre-owned vehicles between 1 year (with at least 30,000 miles) and 15 years.
Individuals with an E Credit Score can only finance up to $15,000 for a pre-owned vehicle.
| Finance Amount and Term | A+APR* | AAPR* | BAPR* | CAPR* | DAPR* | EAPR* |
|---|---|---|---|---|---|---|
| $5,000.00 and Above (36 Month Term) | 5.75 | 6.25 | 7.25 | 9.25 | 11.25 | 17.00 |
| $10,000.00 and Above (48 Month Term) | 6.00 | 6.50 | 7.50 | 9.50 | 11.50 | 17.00 |
| $15,000.00 and Above (60 Month Term) | 6.25 | 6.75 | 7.75 | 9.75 | 11.75 | NA |
| $25,000.00 and Above (72 Month Term) | 6.50 | 7.00 | 8.00 | 10.00 | 12.00 | NA |
| Pre-Owned Auto Loans 6 to 10 years old | ||||||
| Finance Amount and Term | A+ APR* | AAPR* | BAPR* | CAPR* | DAPR* | EAPR* |
|---|---|---|---|---|---|---|
| $5,000 and Above (36 Month Term) | 6.50 | 7.00 | 8.00 | 10.00 | 12.00 | 17.00 |
| $10,000 and Above (48 Month Term) | 6.75 | 7.25 | 8.25 | 10.25 | 12.25 | 17.00 |
| $15,000 and Above (60 Month Term) | 7.00 | 7.50 | 8.50 | 10.50 | 12.50 | N/A |
| $25,000 and Above (72 Month Term) | 7.25 | 7.75 | 8.75 | 10.75 | 12.75 | N/A |
| Pre-Owned Auto Loans 11 to 15 years old | ||||||
| Finance Amount and Term | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| Up to $15,000 (36 Month Term) | 7.50 | 8.00 | 9.00 | 11.00 | 13.00 | 17.00 |
| Up to $15,000 (48 Month Term) | 7.75 | 8.25 | 9.25 | 11.25 | 13.25 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 5.75% APR for 36 month financing, payments will be $30.31 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance between 100% and 120% of appraised value for a pre-owned vehicle depending on credit worthiness, age of vehicle, purchase of GAP insurance, and term. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
*APR = Annual Percentage Rate. Rates may vary based on credit score. See fee schedule for details.
Boat
* Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current Rates are effective as of May 9, 2024.
New Boat Loans – Up to 100% Financing
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 144 months – 12 years | 6.25 | 6.75 | 7.75 | 9.75 | 11.75 | 17.00 |
Credit criteria applies with approved credit. *APR = Annual Percentage Rate. Based on a 6.25% APR for 144-month financing, payments will be $9.89 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 100% of NADA or appraised value for a new boat. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Used Boat Loans – Up to 80% NADA or Appraised Value
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 84 months – 7 years | 6.75 | 7.25 | 8.25 | 10.25 | 12.25 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 6.75% APR for 84 month financing, payments will be $14.97 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 80% of NADA or appraised value for a pre-owned boat. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
*APR = Annual Percentage Rate. Rates may vary based on credit score. See fee schedule for details.
Campers
* Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current Rates are effective as of May 9, 2024.
New Camper Loan – 100% Financing
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 180 months – 15 years | 6.25 | 6.75 | 7.75 | 9.75 | 11.75 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 6.25% APR for 180 month financing, payments will be $8.57 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 100% of NADA or appraised value for a new camper. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Used Campers Loan – 90% NADA or Appraised Value
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 120 months – 10 years | 6.75 | 7.25 | 8.25 | 10.25 | 12.25 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 7.25% APR for 120 month financing, payments will be $11.48 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. Membership Eligibility Required. The credit union will finance up to 90% of NADA or appraised value for a new camper. Equal Opportunity Lender. Federally Insured by NCUA.
*APR = Annual Percentage Rate. Rates may vary based on credit score. See fee schedule for details.
Dividends
Current Dividend Rates are effective as of July 10, 2023.
| Savings | Dividend Rate | APY* | Term |
|---|---|---|---|
| Checking | 0.000% | 0.000% | n/a |
| Christmas Club | 0.000% | 0.000% | n/a |
| Regular Share ($100.00 required to earn interest) | 0.250% | 0.250% | n/a |
| Kasasa Cash Checking | 3.928% | 4.000% | n/a |
| Kasasa Saver | 0.995% | 1.000% | n/a |
| Lucky Lagniappe Savings ($100 required to earn interest) | 0.150% | 0.150% | 12 |
| Vacation Club | 0.000% | 0.000% | n/a |
| Super Green Balances $1,000.00 – $9,999.99 | 0.750% | 0.750% | n/a |
| Super Green Balances $10,000 to $24,999.99 | 1.250% | 1.250% | n/a |
| Super Green Balances $25,000 to $49,999.99 | 1.500% | 1.500% | n/a |
| Super Green Balances $50,000 and above | 2.000% | 2.000% | n/a |
| IRA | 0.750% | 0.756% | n/a |
*APY=Annual Percentage Yield. Annual Percentage Yield may change after account is open. The APY is effective as of 07/10/2023 and is subject to change. Minimum deposit of $25 to open a Regular Share account. Minimum deposit of $5 to open a Lucky Lagniappe account. Minimum deposit of $1,000 to open a super green account. Fees may reduce earnings.
Current Dividend Rates are effective as of November 6, 2024.
| Certificates | Dividend Rate | APY* | Term |
|---|---|---|---|
| Share Certificates – $500.00* | 3.350% | 3.395% | 6 |
| Share Certificates – $500.00 * | 3.150% | 3.188% | 12 |
| Share Certificates – $1,000.00 * | 3.000% | 3.035% | 18 |
| Share Certificates – $1,000.00 * | 2.750% | 2.779% | 24 |
| Share Certificates – $2,500.00 * | 2.750% | 2.779% | 36 |
| Share Certificates – $2,500.00 * | 2.750% | 2.779% | 48 |
| Share Certificates – $25,000.00 * | 3.500% | 3.548% | 12 |
| Share Certificates – $50,000.00 * | 3.250% | 3.291% | 18 |
*APY=Annual Percentage Yield *
Minimum Opening Deposit Required to Receive Advertised APY
Penalties will be imposed for early withdrawal. See fee schedule for details. Fees may reduce earnings.
Mortgage
Mortgage
The credit union will loan up to 90% of appraised value of property. Certain qualifications do apply. Rates are dependent on market. Call to talk to one of our mortgage officers for more information. Current rates are effective as of May 1, 2023.
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 15 Years, Vacant Properties | 5.25 | 5.75 | 6.75 | 8.75 | 10.75 | 17.00 |
| 15 Years, No Points | Market Rate | |||||
| 20 Years, No Points | Market Rate | |||||
| 25 Years, No Points | Market Rate | |||||
| 30 Years, No Points | Market Rate | |||||
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 5.25% APR for 15 year financing, payments will be $8.04 per every thousand borrowed. Loan Application Fee of $100.00 for all loan application requests. The loan origination fee is 1%. The Annual Percentage Rate will not increase after consummation. The credit union will loan up to 90% of appraised value of property. Payments do not include amounts for taxes and insurance premiums. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Motorcycle
* Rates are determined by each individual’s credit history and capacity to repay. RV represents Retail Value. Rates posted are subject to change without notice. Current Rates are effective as of May 9, 2024. See fee schedule for details.
New Motorcycle Loan – 100% Financing
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 84 months – 7 years | 5.50 | 6.00 | 7.00 | 9.00 | 11.00 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 5.50% APR for 84 month financing, payments will be $14.37 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance 100% of the appraised value for a new motorcycle. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Used Motorcycle Loan – Up to 100% NADA Retail Value
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 60 months – 5 years | 6.00 | 6.50 | 7.50 | 9.50 | 11.50 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 6.00% APR for 60 month financing, payments will be $19.33 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 100% of the NADA Retail Value. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
*APR = Annual Percentage Rate. Rates may vary based on credit score. See fee schedule for details.
Personal
Current rates are effective as of February 1, 2024.
Personal Loan Up To $20,000.00 – Closed End
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| Up to 60 months – 5 years | 12.25 | 12.75 | 13.75 | 15.75 | 16.75 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 12.00% APR for 60-month financing, payments will be $22.37 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
VISA Credit Card
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| VISA Credit Card | 7.90 | 7.90 | 9.90 | 11.90 | 13.90 | 15.90 |
APR* = Annual Percentage Rate. No introductory rate or annual fees. Monthly minimum payment is only 2% of the outstanding balance. The Annual Percentage Rate can be increased after consummation. The APR is fixed. Maximum credit card amount offered is $10,000 with a 36 month term.
Personal Loan Less Than $5,000 – Line of Credit
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| Line of Credit | 11.50 | 12.00 | 13.00 | 15.00 | 17.00 | 18.00 |
The Annual Percentage Rate can be increased after consummation. The APR is fixed.
| Loan | Rate | APR* | Term |
|---|---|---|---|
| Share Secured – 2% above regular share rate | 0.000 | 36 | |
| Share Secured – Zero % | 0.000 | 120 | |
| Certificate Secured – 2% above current rate | 0.000 | n/a |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. Loan Application Fee of $30.00 for all loan application requests. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
*APR=Annual Percentage Rate. Rates may vary based on credit worthiness. See fee schedule for details.
Recreational Vehicle
*Rates are determined by each individual’s credit history and capacity to repay. Rates posted are subject to change without notice. Current rates effective as of May 9, 2024.
New Recreational Vehicle Loan – Up to 100% Financing
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 72 months – 6 years | 6.25 | 6.75 | 7.75 | 9.75 | 11.75 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 6.75% APR for 72-month financing, payments will be $16.69 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 100% of appraised value or NADA for a new recreational vehicle. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
Used Recreational Vehicle Loan – Up to 80% NADA or Appraised Value
| Credit Rating | A+ APR* | A APR* | B APR* | C APR* | D APR* | E APR* |
|---|---|---|---|---|---|---|
| 60 months – 5 years | 6.75 | 7.25 | 8.25 | 10.25 | 12.25 | 17.00 |
Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. *APR = Annual Percentage Rate. Based on a 6.75% APR for 60-month financing, payments will be $19.68 per every thousand borrowed. Loan Application Fee of $30.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. The credit union will finance up to 80% NADA or appraised value. Membership Eligibility Required. Equal Opportunity Lender. Federally Insured by NCUA.
*APR = Annual Percentage Rate. Rates may vary based on credit score. See fee schedule for details.
