Rates

APY = Annual Percentage Yield.  APR = Annual Percentage Rate. Rates effective as of April 1, 2017. Fees may reduce earnings.

Select a Rates Category Below:

Savings & Certificates
Low Cost Loans

Regular Savings

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Balance Rate APY

$250 - $9,999

0.05%

0.05%

$10,000 +

0.10%

0.10%

Minimum $25 to open, $250 to earn dividends.

Reward Checking*

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Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $25 2.00% 2.03%
$10,000+ $25 0.047% 2.03% to 0.23%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Have at least one (1) automatic payment (ACH) or bill pay post and settle
  • Receive eStatements
  • Have at least one (1) Direct Deposit post and settle

It's really that easy! And even if you don't meet the qualifications one month, you can get back to earning your rewards the very next month.

REAL Savings*

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Balance Rate APY
0 - $10,000 0.75% 0.75%
$10,000+ 0.05% 0.75% to 0.11%
Qualifications not met 0.01% 0.01%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Reward Checking or Cash Back Checking account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Have at least one (1) automatic payment (ACH) or bill payment post and settle
  • Receive eStatements
  • Have at least one (1) Direct Deposit post and settle

See? It's that easy! And even if you don't meet the qualifications one month, you can get back to earning your rewards the very next month.

Money Market Accounts

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Balance Rate APY

$1,500 -$99,999.99

0.05%

0.05%

$100,000 and over

0.35%

0.35%

Minimum $1,500 to open, $1,500 to earn dividends

IRA Savings

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Balance Rate APY

$100 – $9,999.99

0.15%

0.15%

$10,000 - $24,999.99

0.45%

0.45%

$25,000 and over

0.50%

0.50%

Minimum $25 to open, $100 to earn dividends

Vehicle Loans

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Term Fixed APR as low as:
New - up to 60 months 1.99%*
New - 61 to 84 months 2.75%
Used - up to 60 months 2.75%
Used - 61 to 84 months 3.00%

*Annual Percentage Rate. Existing First American Credit Union loans are ineligible. Offer available for direct vehicle new or used loan purchases or refinance. Rates, terms, and conditions vary based on qualifications, credit worthiness and collateral conditions. Offer can end at any time without prior notice.Offer available for auto loan pre-approvals or refinancing a non-First American auto loan only. Indirect loans are not eligible. Rates, terms, and conditions vary based on qualifications, credit worthiness and collateral conditions. Membership in First American Credit Union is required ask us for specific details. Offer is ONLY good from May 1 through May 31 2017. Other restrictions may apply

Rates are subject to change without notice.

APR = Annual Percentage Rate. Rates are based on evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

Credit Cards

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Card APR
Platinum MasterCard 9.25% to 11.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Gold MasterCard 13.65% to 14.65% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Standard MasterCard 15.65% to 20.65% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Secured MasterCard 8.75%
Click here to view more details.

Personal Loans

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Loan Fixed APR as low as:
Signature Loan 9.99%
Line of Credit Loan 9.99%
EZ Loan 18.00%

Rates are subject to change without notice.

APR = Annual Percentage Rate. Rates are based on evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

Real Estate Loans

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*APR=Annual Percentage Rate. Fixed Intro Rate of 2.40% APR for first 12 months and as low as 4.50% APR after first 12 months. Home Equity Line of Credit (HELOC) Promotional APR shown is available only for new HELOC applications received on or after April 1, 2017 for a limited time. Minimum loan amount of $5000 and maximum loan-to-value of 90%. Home Equity Line of Credit is a Variable Rate product, which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal as of the 15th of each month. ("Index") plus the margin - the Index plus the margin equals the Interest Rate.  On March 15, 2017 that index was 4.00%; resulting APR with a 0.5% margin is 4.50%. Floor rate at the end of the initial 12-month period is 2% APR will never exceed 18.00%. “As low as” rate assumes excellent borrower credit history. ***Closing costs waived unless the loan is paid off within the first two years. Fees range from $100 to $800.   $50 annual fee applies at anniversary date.  A home equity line of credit is not available on investment or rental homes. Manufactured (mobile) homes are not eligible properties, unless the home is fixed to the property and legally recorded as such. Existing FACU loans are not eligible for consideration/refinance offers. All loans subject to credit worthiness, collateral conditions, and location. Other restrictions may apply contact us for specific details. Not all customers will qualify for this promotional offer.  **Consult a tax adviser.  First American Credit Union NMLS ID #811468

Recreational Vehicle Loans

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Type Term Fixed APR as low as:
New Motorhomes, 5th wheels, and horse trailers up to 72 months 5.75%
New Motorhomes, 5th wheels, and horse trailers 73 to 120 months 6.50%
New Motorhomes, 5th wheels, and horse trailers 121 to 180 months 7.50%
New Motorcycle, ATV, Quads up to 60 months 5.25%
Used Motorhomes, 5th wheels, and horse trailers up to 72 months 6.75%
Used Motorhomes, 5th wheels, and horse trailers 73 to 120 months 7.50%
Used Motorhomes, 5th wheels, and horse trailers 121 to 180 months 8.00%
Used Motorcycle, ATV, Quads up to 60 months 6.25%

Rates are subject to change without notice.

APR = Annual Percentage Rate. Rates are based on evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

Term Share Certificates

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Term Rate APY
6 month $500 minimum 0.10% 0.10%
1 year $1,000 and over 0.25% 0.25%
2 year $1,000 and over 0.35% 0.35%
3 year $1,000 and over 0.50% 0.50%
4 year $1,000 and over 0.75% 0.75%
5 year $1,000 and over 1.00% 1.00%

APY = Annual Percentage Yield. Interest compounded quarterly. Interest paid monthly on Certificates over $100,000. A penalty will be imposed for early withdrawals. New accounts are subject to membership eligibility. No additional deposits accepted during certificate term. These certificates will automatically renew to a non-promotional certificate upon maturity. Must specify at account opening to transfer dividends to First American personal checking or savings. Rates, terms, and conditions subject to change at any time. Ask a credit union representative for details. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance. Contact us for more information concerning the terms and conditions of these accounts.