Disclaimer Summary

Loan Products

APR = Annual Percentage Rate

Loan rates are based on terms and credit score.

All rates are subject to change at any time.

Additional restrictions may apply. Please give us a call for more information at 1-800-228-8513.

Vehicle Loans

Rates are determined by vehicle value; based on NADA Clean Trade-In Value or NADA Clean Retail Value.

100% financing does not apply to First Time Auto Buyer and Credit Restoration Auto Loans

72 month vehicle loan financing requires a minimum loan amount of $25,000.

84 month vehicle loan financing requires a minimum loan amount of $30,000.

FedEx Employees Credit Association must be listed as lienholder on title paperwork.

Motorcycle/Recreational loans may require a 10% down payment.  Ask your loan officer for details.  Used motorcycle rates will be 1.00% higher than new motorcycle rates.

Home Equity

Home Equity products are unavailable in Texas, Puerto Rico, and areas determined to be in a Flood Zone.

Home Equity Line of Credit availability is limited to the draw period allowed for this loan type.

Additional closing costs may apply for full appraisals, title resolution, tax stamps, etc.

Please contact our Mortgage Department for additional requirements on Land & Lot Loans.


Dividend rates may change at any time. Dividend rates depend on account type.

Annual Percentage Yields based on Daily Average Balance.

Member must establish $25 PAR value in a primary savings account to be eligible for services.

Money Market account opening balance requirement is $5,000.00. To receive dividends, a balance of $5,000.00 must be maintained. $2,500.00 minimum daily balance required to avoid maintenance fee.

Share Certificates

Minimum share certificate amount is $500.00.

Penalties may be imposed for early withdrawal.

Dividends will be credited to your share account upon maturity. Dividends will not be compounded.

Youth Bonus = add your age at account opening in basis points to the dividend rate! (example, if you are 11 years old and the rate is .35%, then .35+.11=.46%) Available to members under 22 years old.


REXAnywhere subscribers must be enrolled in REX Online Services. Cell phone carrier charges may apply.

Cash limits and check holds may apply at shared branch locations.

An open checking account is required to obtain a VISA® ExpressCheck debit card.

Some restrictions apply to medical exam waiver for Term Life Insurance.

Members must apply for $2,000 free AD&D Insurance coverage during enrollment periods. Additional coverage is available for a premium.


Click here for an updated fee schedule.