Rates

Loan Rates

Contact the Loan Department for current rates.   Rates effective as of 01/09/2012

New Auto/Boat/Motorhome/Motorcycle

Term (months)
Rate* From
Rate* To
Up to 60 months 3.75% 13.00%
61 to 72 months 4.50% 14.00%

Used Auto/Boat/Motorhome/Motorcycle 2010-2011-2012

Term (months)
Rate* From
Rate* To
Up to 60 months 3.75% 13.50%

Used Auto/Boat/Motorhome/Motorcycle 2005-2009

Term (months)
Rate* From
Rate* To
49 to 60 months 4.75% 14.50%

Used Auto/Boat/Motorhome/Motorcycle 2004-Older

Term (months)
Rate* From
Rate* To
Up to 48 months 5.50% 14.50%

ATV/Waverunner/Travel Trailer

Term (months)
Rate* From
Rate* To
Up to 60 months 6.75% 16.50%

ATV/Waverunner/Travel Trailer

Term (months)
Rate* From
Rate* To
Up to 48 months 7.75% 18.50%

Signature Loan/Unsecured

Term (months)
Rate* From
Rate* To
Up to 24 months 9.90% 19.00%
Up to 48 months 10.90% 24.00%

Overdraft Protection

Term
Rate* From
Maximum Limit
Open LOC 13.50% $1,000

Share Secured

Term
Rate* From
Maximum Rate
Open 4.00% Floor 2.00% over savings rate

Christmas Loan – Only Available November 1 thru January 31

Term
Rate* From
Maximum Limit
10 months 10.00% $1,000

Student Loan

Term
Rate* From
Maximum Limit
Up to 10 Yr LOC 6.00% variable $12,000

Home Equity

Term
Rate* From
Maximum LTV
5 Yr Balloon
15 Yr Amortization		 Contact Loan Department 573-636-9198
Line of Credit
10 Yr Amortization		 Contact Loan Department 573-636-9198

Vacation Loan

Term (months)
Rate* From
Maximum Limit
12 months 12% $1200

Land Loan

Term (months)
Rate* From
Rate* To
Land 1 Yr Adjustable Contact Loan (573) 636-9198
Land 3 Yr Adjustable Department  
Land 5 Yr Balloon All Loans 60 mile radius  

* All rates for qualified borrowers. Actual rate and payment amount you receive may depend on your individual credit worthiness. Rates are based on credit score. For rates on other loans including Home Loans, please contact the credit union.

Loan Department
E-mail Addresses
(573) 636-7447
David Miller -Loan Officer dmiller@ffcu4u.com ext 116
Stan Culley - Collections sculley@ffcu4u.com ext 118
Carla Karr – Loan Department Manager ckarr@ffcu4u.com ext 114
Kim Stieferman – Loan Processor kstieferman@ffcu4u.com ext 117
Darla Luebbert – Loan Officer/Collections dluebbert@ffcu4u.com ext 115
Nicole Coonce – Loan Processor ncoonce@ffcu4u.com ext 113

Share Rates

Contact Member Service Department for competitive rates.

APY= Annual Percentage Yield             Rates effective as of 10/01/11

Type of Account
Dividend Earned On Balances Of:
APY
Share Savings Account $0 – $5,000.00 0.10%
$5,000.01 and over 0.30%
 
IRA/Roth IRA $0 – $9,999.99 0.20%
  $10,000.00 – $24,999.99 0.30%
  $25,000.00 – $49,999.99 0.50%
  $50,000.00 and Over 0.70%
 
Share Draft (Checking) No Dividends Paid  
 
Interest Share Draft $300 or over 0.30%
 
Money Market $1,000.00 – $9,999.99 0.15%
$10,000.00 – $24,999.99 0.25%
$25,000.00 and Over 0.45%
 
Christmas Club   0.50%
 
Certificate of Deposit Certificates Compound Quarterly  
180 Days $500 Minimum 0.25%
9 months 0.35%
12 months 0.55%
15 months 0.60%
18 months 0.65%
24 months 0.75%
30 months 1.00%
36 months 1.10%
48 months 1.25%
60 months 1.50%
Member Services
E-mail Addresses
(573) 636-7447
Donna Toebben – Chief Operations Officer dtoebben@ffcu4u.com ext 103
Mary McCormick – Member Sevices Rep mmccormick@ffcu4u.com ext 105
Angela Donaldson – Member Services Rep adonaldson@ffcu4u.com ext 101
Tracy Higgins – Member Services Rep thiggins@ffcu4u.com ext 127
Marshall Boessen – Teller Supervisor mboessen@ffcu4u.com ext 107