Rates

Loans

New & Pre-Owned Auto Loans

Term APR* as low as
48 months 3.99%
60 months 3.99%
72 months 4.49%
84 months 5.99%

*APR=Annual Percentage Rate. Offer valid 12/1/2022 – 12/31/2022. Loans subject to credit approval and standard underwriting criteria. Other rates and terms available. No other discounts available. Maximum interest rate is 18% APR. Minimum loan amount is $5,000. Eligibility is based on credit approval and standard underwriting criteria. Your actual rate may vary depending on your individual credit score and term. Down payment may be required depending on creditworthiness of the borrower, age of vehicle, amount, and term of the loan. Cannot be used to refinance an existing FSU Credit Union loan. Rates are subject to conditions including the applicant’s credit score, and loan is for vehicles years 2016 or newer. Membership eligibility required. Interest accrues from the date of loan disbursement and will be collected on the first payment applied to the loan.  For a $10,000.00 auto loan with a term of 48 months, and a 3.99% APR, the monthly payment will be $226.09. For a $10,000.00 auto loan with a term of 60 months, and a 3.99% APR, the monthly payment will be $184.40. For a $10,000.00 auto loan with a term of 72 months, and a 4.49% APR, the monthly payment will be $158.97. For a $10,000.00 auto loan with a term of 84 months, and a 5.99% APR, the monthly payment will be $146.37.Please contact a credit union representative at 877-GO-FSU-CU for more details.

New & Pre-Owned Motorcycles, RVs, Boats, Campers & Other Recreational Vehicles

Term APR* as low as
48 months 4.99%
60 months 4.99%
72 months 5.49%
84 months 6.99%

*APR=Annual Percentage Rate. Offer valid 12/1/22 – 12/31/22. Loans subject to credit approval and standard underwriting criteria. Other rates and terms available. No other discounts available. Maximum interest rate is 18% APR. Minimum loan amount is $5,000. Eligibility is based on credit approval and standard underwriting criteria. Your actual rate may vary depending on your individual credit score and term. Down payment may be required depending on creditworthiness of the borrower, age of vehicle, amount, and term of the loan. Cannot be used to refinance an existing FSU Credit Union loan. Rates are subject to conditions including the applicant’s credit score, and loan is for vehicles years 2016 or newer. Membership eligibility required. Interest accrues from the date of loan disbursement and will be collected on the first payment applied to the loan. Information accurate as of 10/1/2022. For a $10,000.00 recreational vehicle loan with a term of 48 months, and a 4.99% APR, the monthly payment will be $230.68. For a $10,000.00 recreational vehicle loan with a term of 60 months, and a 4.99% APR, the monthly payment will be $189.03. For a $10,000.00 recreational vehicle loan with a term of 72 months, and a 5.49% APR, the monthly payment will be $163.67. For a $10,000.00 recreational vehicle loan with a term of 84 months, and a 6.99% APR, the monthly payment will be $151.28 .Please contact a credit union representative at 877-GO-FSU-CU for more details.

Other Loan Types

Loan Type APR* as low as
Personal Loan 7.99%
Home Equity Line of Credit WSJ Prime plus 1%

*APR =Annual Percentage Rate. Offer valid through 12/31/22. Loans subject to credit approval and standard underwriting criteria. Other rates and terms available. No other discounts available. Your actual rate may vary depending on your individual credit score and term. For a $10,000.00 loan with a term of 36 months, and a 7.99% APR, the monthly payment will be $314.31. Cannot be used to refinance an existing FSU Credit Union loan. Rates are subject to conditions including the applicant’s credit score. Membership eligibility required. Interest accrues from the date of loan disbursement and will be collected on the first payment applied to the loan. Information accurate as of 9/1/2022. Offer may be revised or withdrawn at any time. Please contact a credit union representative at 877-GO-FSU-CU for more details

Deposit (Savings) Accounts

Main Share Savings

Balance APY* Dividend Rate
$100 – $2,499.99 0.05% 0.05%
$2,500 – $4,999.99 0.10% 0.10%
$5,000 and greater 0.15% 0.15%

*APY=Annual Percentage Yield. All Share and Share Draft Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you.

Holiday Club, Share Kids, Summer Pay Club, Save 4 It, Senior Year Saver Account, Special Kids Share, and Imagine the Possibilities Savings

Balance APY* Dividend Rate
$0.01 – $4,999.99 0.05% 0.05%
$5,000 – $24,999.99 0.10% 0.10%
$25,000 – $49,999.99 0.10% 0.10%
$50,000 – $74,999.99 0.10% 0.10%
$75,000 and greater 0.15% 0.15%

*APY=Annual Percentage Yield. All Share and Share Draft Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you. Holiday Club Accounts, all funds will be transferred to the member’s draft account on or after November 1st of each year. If you make a withdrawal at ANY TIME before November 1st, ALL accrued interest will be forfeited and the account will be closed. Senior Year Saver Account will earn 5.84% APR/6.00% APY on the first $500 and the remainder at the applicable rate. Fund will become available August 1st of the student’s anticipated senior year. If withdrawn before then, the member forfeits all dividends earned during the month of closure. Account will automatically be closed June 1 of the anticipated year of graduation and funds will be transferred to the main share account. Special Share Kids Accounts and Imagine the Possibilities Share Accounts earning 6%, 7%, or 10% APY will be paid at 5.84%, 6.78% & 9.57% APR, respectively, on the first $500. The remainder will be paid at the applicable rate.

True Student Savings

Balance APY* Dividend Rate
$5.00 – $1,000.00
with True Student Checking
10% 9.57%
$5.00 – $1,000.00
without True Student Checking
6% 5.84%

*APY=Annual Percentage Yield. All Share and Share Draft Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you. Member must have an active TRUE Student Checking Account to earn the 10% APY account.

Money Mint Account

Balance APY* Dividend Rate
$1,000.00 – $4,999.99 0.05% 0.05%
$5,000.00 – $74,999.99 0.10% 0.10%
$75,000 and greater 0.15% 0.15%

*APY=Annual Percentage Yield.

Business Money Mint

Balance APY* Dividend Rate
$1,000.00 – $24,999.99 1.00% 0.995%
$25,000.00 – $99,999.99 1.50% 1.49%
$100,000 – $199,999.99 2.00% 1.98%
$200,000 and greater 2.50% 2.47%

*APY=Annual Percentage Yield.

Promotional Rate Certificates

Certificates of Deposit Terms APY*
5 months 3.00%
17 months 3.85%
33 months 4.75%

*Annual Percentage Yield (APY) is accurate as of 11/5/2022. CD=Certificate of Deposit. Terms, restrictions, and conditions apply. Early withdrawals will be subject to a substantial penalty and any fees could reduce the earnings on the account. Minimum balance to open a Veteran’s promotional certificate of deposit is $5,000. After maturity, if you choose to roll over your CD, you will earn interest according to the CD Dividend and Interest Rate Schedule. Limited time offer subject to change at any time without notice. No other promotions or other premiums may be applied. Visit www.fsucu.org for membership eligibility requirements. Insured by NCUA. Equal housing opportunity.

Champion's Choice Platinum Level, Alumni Advantage, and Booster Benefits Certificates

Certificates of Deposit Terms APY* Dividend Rate
6 months 0.35% 0.35%
12 months 0.40% 0.40%
13 months 0.45% 0.45%
18 months 0.55% 0.55%
24 months 0.60% 0.60%
36 months 0.65% 0.65%

*APY=Annual Percentage Yield. All Certificate. (CD)Accounts are available for some IRA Accounts. There is a grace period of 20 days following the maturity of any Share Certificate Account. During this 20-day period, you may make withdrawals or additions to the Share Certificate without penalty. All 24- and 36-Month Certificates are available as step-up CDs. If our rates increase during the term of your CD, you may “step-up”, one time, to that new higher rate! You must request the higher rate. The original term of the CD will renew effective the step up date. Withdrawals within the first 6 days of the initial deposit will incur a 7-day simple interest penalty on the amount withdrawn.

All Other Certificates

Certificates of Deposit Terms APY* Dividend Rate
6 months 0.10% 0.10%
12 months 0.15% 0.15%
13 months 0.20% 0.20%
18 months 0.30% 0.30%
24 months 0.35% 0.35%
36 months 0.40% 0.40%

*APY=Annual Percentage Yield. All Certificate (CD)Accounts are available for IRA Accounts. There is a grace period of 20 days following the maturity of any Share Certificate Account. During this 20-day period, you may make withdrawals or additions to the Share Certificate without penalty. All 24- and 36-Month Certificates are available as step-up CDs. If our rates increase during the term of your CD, you may “step-up”, one time, to that new higher rate! You must request the higher rate. The original term of the CD will renew effective the step up date. Withdrawals within the first 6 days of the initial deposit will incur a 7-day simple interest penalty on the amount withdrawn.

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