- APR = Annual Percentage Rate
- Loan rates are based on terms and credit score.
- All interest 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.
- 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.
- Vehicles over 10yrs/100k miles are not eligible for financing.
- 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 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.
- 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.
- 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.
- 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.