Rates

APY = Annual Percentage Yield.  APR = Annual Percentage Rate.  Rates effective as of June 1, 2018.  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%

APY = Annual Percentage Yield.  Minimum $25 to open, minimum $250 to earn dividends. Rates effective as of January 1, 2018. Fees may reduce earnings.

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.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by us as ATM transactions. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  Reward Information: When your Reward Checking account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $9.999.99 receive APY of 2.03%; and balances over $10,000 earn 0.047% interest rate on the portion of balance over $10,000, resulting in a range from 2.03% to 0.23% APY depending on the account’s balance and (2) you will receive reimbursements up to $15.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher. When Reward Checking qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded.  Dividends and ATM fee reimbursements will be credited to your Reward Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs mentioned above are accurate as of 01/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.  Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  $25 minimum deposit is required to open the account. Monthly Direct Deposit is a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements, may be required to meet some of the account’s qualifications.  There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. 

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.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by us as ATM transactions. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  Reward Information: When your Reward Checking or Real Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle. Real Saver: Balances up to $9,999.99 receive APY of 0.75%; and balances over $10,000.00 earn 0.046% interest rate on the portion of balance over $9,999.99, resulting in a range from .75% to 0.11% APY depending on the account’s balance.  When Reward Checking or Real Cash Back Checking qualifications are not met, Saver: All balances earn 0.010% APY.  Reward Checking: All balances earn a non-compounding APY* of 0.01%. Real Cash Back Checking: No cash back payments are made. *When linked to the Saver account, the dividends earned within the Reward Checking account does not compound since it is automatically transferred to the Real Saver account within one day. This automatic transfer may cause an overdraft to your Reward Checking account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs mentioned above are accurate as of 01/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.  Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  $25 minimum deposit is required to open the account. Monthly Direct Deposit is a condition of this account. A Real Cash Back or Reward checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Federally insured by NCUA.

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%

APY = Annual Percentage Yield.  Minimum $1,500 to open, $1,500 to earn dividends.  Fees may reduce earnings.

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%

APY = Annual Percentage Yield.  Minimum $25 to open, $100 to earn dividends.  Fees may reduce earnings.

Vehicle Loans

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Term Fixed APR as low as:
New - up to 60 months 2.49%
New - 61 to 84 months 3.50%
Used - up to 60 months 3.50%
Used - 61 to 84 months 3.75%

Annual Percentage Rate (APR) shown effective May 15, 2018 and may change without notice. “As low as” APR shown assumes excellent borrower credit history.  Actual rates and APRs dependent upon credit history, type of product, loan term and loan to value (LTV). All loans subject to credit approval.  Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.  Monthly Payment Example: Financing a New Auto Loan (2017 ≤10,000 miles or newer) in the amount of $20,000 for 60 months at 2.49% APR will have a monthly payment of $354.86.

Credit Cards

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Card Fixed APR
Platinum Mastercard®

3.99%APR introductory rate for six months on purchases and balance transfers.

After the intro period, a low fixed rate applies ranging from 6.99%APR  to 9.99%APR  when you open your account, based on your creditworthiness. 

Standard Mastercard® 15.99%APR  to 18.99%APR  when you open your account, based on your creditworthiness. 
Secured Mastercard® 8.50%APR 

APR = Annual Percentage Rate. Subject to credit approval. Please read the following Solicitation Disclosure that contains rates, fees, and other cost information that are related to the First American Mastercard® Credit Cards.  Please read the following Credit Agreement that contains agreement and terms that are related to the First American Mastercard® Credit Cards.

Compare the rates and fees for all First American Mastercard® credit cards.

EZ Loan

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 EZ LoanRate*
$500.00  28.00%

*Annual Percentage Rate = (APR) is 28% with a maximum term of 4 months. A $500 loan at 28% APR for a term of four months has a payment of $132.45.  ** 5% APR discount available with Automatic Payment transfer authorization from your direct deposit at First American Credit Union. Membership must be established for at least one full month prior to applying for an EZ Loan. $10 new membership fee applies. $20 EZ Loan non-refundable application fee applies and is due at the time of the application. Each application requires six months of employment and verification of two most current pay stubs.  Only one EZ may be open at a time.  Maximum of three (3) EZ Loans in any rolling six (6) month period (No rollovers permitted, each loan is fully amortized.). Your courtesy pay overdraft limit will be disabled during the life of the loan. Courtesy pay overdraft will be re-evaluated after the EZ loan is paid in full. EZ Loans subject to EZ Loan eligibility requirements. See application disclosure for full eligibility requirements, terms and conditions.

Personal/Lifestyle Loans

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Loan Term Fixed APR as low as:
Personal/Lifestyle Loan1 Up to 60 Months1 9.99%
Line of Credit Loan Open-end plan 9.99%

Rates are subject to change without notice.  APR = Annual Percentage Rate. Rates are based on evaluation of applicant credit.  Not all applicants will qualify for the lowest rate. Your actual APR will be disclosed at the time of disbursement.  1Monthly Payment Example: Financing a personal loan in the amount of $5,000 for 60 months at 9.99% APR will have a monthly payment of $106.21.  

Real Estate Loans

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*APR=Annual Percentage Rate. Fixed Intro Rate of 3.15% APR for first 12 months and as low as 5.50% APR after first 12 months.  Home Equity Line of Credit (HELOC) Promotional APR shown is available only for new HELOCs with a minimum loan amount of $5,000 and a maximum loan-to-value (LTV) of 90%.  $50 annual fee applies; Promotional APR is fixed for initial 12 months of the term.  On the anniversary day of loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On June 14, 2018 that index was 5.00%; resulting APR with a 0.50% margin is 5.50%.  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, 90% or less Loan-to-Value.  Alternative rates and terms are available.   Actual rates and APRs dependent on credit history, type of product, loan term and loan to value (LTV).    This line has a 10-year draw period. Eligible property includes single-family, owner-occupied, primary residence and vacation homes (located in AZ or NM only). Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility.  Closing costs are waived unless the loan is paid off within the first two years. An estimated range of fees is $100 to $800.  Not all members will qualify for this promotional offer.  All loans subject to credit worthiness, collateral conditions, and location. Other restrictions may apply.  If the borrower is not a member, a $10 fee is required to join the Credit Union. Contact us for specific details.  See the Home Equity Early Disclosure for complete details.  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%
Used Motorhomes, 5th wheels, and horse trailers up to 72 months 6.75%
New Motorcycle, ATV, Quads up to 60 months 5.25%
Used Motorcycle, ATV, Quads up to 60 months 6.25%

Annual Percentage Rate (APR) shown effective February 1, 2018 and may change without notice. “As low as” APR shown assumes excellent borrower credit history.  Actual rates and APRs dependent upon credit history, type of product, loan term and loan to value (LTV).  Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.  All loans subject to credit approval. Monthly Payment Example: Financing a New Motorcycle in the amount of $10,000 for 60 months at 5.25% APR will have a monthly payment of $200.49.

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.  First American Credit Union Share Certificates of Deposits are federally insured to at least $250,000 through the National Credit Union Administration (NCUA). A penalty may be imposed for withdrawals before the maturity of a share certificate.  For full terms and conditions or additional details contact First American.