Disclaimer Summary

Loan Products

• APR = Annual Percentage Rate
• Loan rates are based on terms and credit score.
• All interest rates are subject to change at any time.
• Approvals are based on stated information and are subject to change.
• Additional restrictions may apply. Please give us a call for more information at 1-800-228-8513.

Auto 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 Credit Restoration Auto Loans
• 72 month auto loan financing requires a minimum loan amount of $25,000.
• 84 month auto loan financing requires a minimum loan amount of $30,000.
• FedEx Employees Credit Association must be listed as lienholder on title paperwork.
• Motorcycle/recreational vehicle 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 and lot loans.

Accounts

• Dividend rates may change at any time and depend on account type.
• Annual Percentage Yields based on daily average balance.
• Member must establish $25.00 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.

Services

• For mobile access, you must be enrolled in our online services. Cell phone carrier charges may apply.
• Cash limits and check holds may apply at shared branch locations.
• A 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.