Rates

Rates Effective October 1, 2023

*Annual Percentage Rate (APR)
(APR) is the Annual Percentage Rate.  All loans are subject to approval, and the final rate may be based on several factors, including personal credit history, term of loan and value of collateral, if applicable.  Not everyone will qualify for the lowest possible rate.  Advertised rates are subject to change without notice.  Membership with Fidelis Catholic Credit Union is required. Annual Percentage Rate (APR) is valid as of publication date, and is subject to change. 

 Auto Loans- Qualifying for the lowest possible vehicle loan interest rate; is based on credit score(s) of 680 or above, qualified credit, loan to value not to exceed 125% including tax, title and warranty, a term no greater than 60-months, and a total debt ratio of 45% or less.  For example, a loan amount of $25,000, a term of 60 months, and an APR of 6.75%; the payment would be $492 per month.  Offer is not valid on existing loans with Fidelis Catholic Credit Union.  Other rates, terms, and discounts are available based on qualified credit.    Some restrictions may apply.  Offer can expire at any time at the sole discretion of the Credit Union.

Variable Rates:

**The Annual Percentage Rate (APR) will not go below the lowest possible rate at any time during the term of your loan.  Maximum (APR) for variable rate loans is 18.00%.  Variable rates are based on the Prime Index as published in the Wall Street Journal Money Rates section, to which we may add a margin.  Any increase in the Prime Index Rate may result in the form of a higher loan payment.  Not everyone will qualify for the lowest possible rate.  Advertised rates are subject to change without notice.  Membership at Fidelis Catholic Credit Union is required.

***Mortgage Loans-The Annual Percentage Rate (APR*) is for well qualified borrowers. Not everyone will qualify for the rates in the examples. All applications are subject to credit approval and the final APR* and points vary based on several factors. Membership is required. Rates and fees are subject to change without notice.

The payment above are only a sample of the wide variety of rates or terms available. Please contact us to discuss the loan program that is applicable to your financing needs. Contact us at www.fideliscu.org or at 303-424-5037. Fidelis Catholic Credit Union NMLS# 646618.

****Freedom Loan- APR* Annual Percentage Rate.  Rates quoted are the lowest rates possible. Not everyone will qualify. The Freedom Loan is a first lien position loan, and must be on the borrower(s) primary residential property.   Borrower(s) combined credit scores must be 680 or higher, loan amounts cannot exceed $350,000.  No Balloon payments.  Borrower(s) must pay their own property taxes and homeowner’s insurance.  Other approval qualifications will apply and fees will be applicable. 

Payment example for a five (5) year term.  A loan amount of $50,000, an interest rate of 6.25%, and a term of 5 years, would result in a payment of $973.00

Payment example for a ten (10) year term.  A loan amount of $75,000, an interest rate of 6..50%, and a term of 10 years, would result in a payment of $852.00
Payment example for a fifteen (15) year term.  A loan amount of $125,000, an interest rate of 6.75%, and a term of 15 years, would result in a payment of $1107.00

Rates Effective October 24, 2024

***Annual fee applies. Fees may reduce earnings.

Certificate rates are subject to change daily. The minimum certificate purchase is $500.00 for non-IRA, Traditional, Roth IRA, and Education IRA certificates.

Dividends on regular and IRA certificates are compounded within the certificate each month, unless otherwise requested. APY is based on compounding dividends within the certificate. The early withdrawal penalty for certificates of  one year or less original maturity is all earned dividends up to a maximum of three months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of six months earnings.

Notice: Dividends are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.

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