Rates

APY = Annual Percentage Yield.  APR = Annual Percentage Rate.  Rates effective as of February 11, 2019.  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.

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.

Term Share Certificates

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Term Rate APY
6 Months $500 minimum 0.35% 0.35%
12 Months $1,000 minimum 0.50% 0.50%
24 Months $1,000 minimum 0.60% 0.60%
36 Months $1,000 minimum 0.75% 0.75%
48 Months $1,000 minimum 1.00% 1.00%
60 Months $1,000 minimum 1.25% 1.25%

Rates subject to change without notice. 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.  Interest paid monthly on Certificates over $100,000.  For full terms and conditions or additional details contact First American.

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 - 36 months 3.49%
New - 48 months 3.74%
New - up to 60 months 3.99%
New - 61 to 84 months 4.19%
Used - 36 months 3.49%
Used - 48 months 3.74%
Used - up to 60 months 3.99%
Used - 61 to 84 months 4.29%

Annual Percentage Rate (APR) shown effective February 22, 2019 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 (2019 ≤10,000 miles or newer) in the amount of $25,000 for 60 months at 3.99% APR will have a monthly payment of $460.00.

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.

Real Estate Loans

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*APR=Annual Percentage Rate. Fixed Intro Rate of 3.90% APR for first 12 months and as low as 6.00% 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 December 20, 2018 that index was 5.50%; resulting APR with a 0.50% margin is 6.00%.  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.  

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.  

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.