Rates

Rates Effective: September 1, 2017*

VISA Credit Card Rates
Credit Card Program APR for Purchases Annual Membership Fee Grace Period for Purchases
VISA Classic 13.95% (fixed) $0.00 25 Days***
VISA Classic "Choice" 11.95% (fixed) $25.00 25 Days***
VISA Gold 8.70% (variable)** $0.00 25 Days***
VISA Gold "Choice" 6.70% (variable)** $45.00 25 Days***
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Vehicle Loans
Loan Type APR as low as*
New Vehicles (Cars & Trucks) 2.89%
Used Vehicles (Cars & Trucks) 2.89%
Motorcycle Loans 4.50%
Recreational Vehicle Loans 4.50%
Signature Loans (unsecured)
Loan Period APR as low as*
6 months 6.49%
12 months 6.99%
24 months 7.24%
36 months 7.49%
48 months 7.74%
60 months 7.99%
Home Equity and Second Mortgage Loans
Term   Rates as low as
1st Mortgages Fixed, Adjustable & Jumbo Loans View Rates
5 Year Fixed 2nd Mortgage Owner Occupied 3.99%
6 Year Fixed 2nd Mortgage Owner Occupied 4.14%
7 Year Fixed 2nd Mortgage Owner Occupied 4.19%
8 Year Fixed 2nd Mortgage Owner Occupied 4.24%
9 Year Fixed 2nd Mortgage Owner Occupied 4.29%
10 Year Fixed 2nd Mortgage Owner Occupied 4.34%
11 Year Fixed 2nd Mortgage Owner Occupied 4.39%
12 Year Fixed Mortgage Owner Occupied 4.49%
15 Year Variable Line of Credit Home Equity Line of Credit Prime plus or minus based on personalized lending 4.25% - 18.00%
Overdraft Loans & Shared Secured Loans
Overdraft Line of Credit 14.00% APR*
Share Secured Loans 1.75% Over Share Rate
Fixed Rate Lowest Possible Rate: 2.89% Highest Possible Rate: 18.00%
Variable Rate Lowest Possible Rate: 4.00% Highest Possible Rate: 18.00%

*Annual Percentage Rate (APR):
APR is the Annual Percentage Rate. All loans are subject to approval, and final rate may vary 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 at Fidelis is required.

Variable Rate:
*The Annual Percentage Rate (APR) will not go below the Floor Rate at any time during the term of your loan. Maximum APR for variable rates is 18%. Variable rates are based on the Prime Index Rate as published in the Wall Street Journal Money Rates section, to which we add a margin. Any increase in the Prime Index Rate may will result in 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 is required.

Rates Effective: September 1, 2017**

Share Savings Accounts
Account Type Dividend Rate APY* Compounded
Regular Share Savings 0.050% 0.050% monthly
Christmas Club Savings 0.075% 0.075% monthly
***Traditional IRA Shares 0.050% 0.050% monthly
***Roth IRA Shares 0.050% 0.050% monthly
***Educational IRA Shares 0.050% 0.050% monthly

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

Yield Plus (Money Market Checking)
Daily Balance Dividend Rate APY* Compounded
Projected Rate This Month:
$0 - $4,999 Deposit 0.200% 0.200% monthly
$5,000 - $19,999 Deposit 0.250% 0.250% monthly
$20,000 - $49,999 Deposit 0.300% 0.300% monthly
$50,000+ Deposit 0.350% 0.351% monthly
Share Certificates & IRA Certificates
Period Dividend Rate APY* Compounded
6-11 months 0.50% 0.50% monthly
12-23 months 0.60% 0.60% monthly
24-35 months 0.80% 0.80% monthly
36-47 months 1.25% 1.26% monthly
48-59 months 1.70% 1.71% monthly
60 months 2.00% 2.02% monthly

Share Certificates ($500 minimum); Traditional IRA ($500 minimum), Roth IRA ($500 minimum) & Education IRA ($400 minimum) Certificates. Fees may reduce earnings.

*APY = Annual Percentage Yield - Fees may affect APY.
Limited transactions per month for the Money Market Checking Account. Certificate rates are subject to change daily. The minimum certificate purchase is $500.00 for Non-IRA, Traditional and Roth IRAs and $400.00 for Education IRAs. An additional $100.00 must be maintained in the Regular Share Account or the applicable IRA Share Account during the entire term of the certificate. Dividends on all regular and IRA certificates are compounded within the certificate each month. The early withdrawal penalty for certificates of one year or less original maturity is all earned dividends up to a maximum of 3 months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of 6 months earnings. Notice: Dividends are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.

**Rates are subject to change without notice, after this date.

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