Rates

Loans

Promotional Auto Loan Rates

Term APR* as low as
Up to 72 months 4.99%

*APR=Annual Percentage Rate. Offer effective 2/1/2024. 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 72  months, and a 4.99% APR, the monthly payment will be $161.33. Please contact a credit union representative at 877-GO-FSU-CU for more details.

New & Pre-Owned Auto Loans

Term APR* as low as
48 months 5.49%
60 months 5.49%
72 months 5.99%
84 months 6.99%

*APR=Annual Percentage Rate. Offer effective 5/1/2023. 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 5.49% APR, the monthly payment will be $233.04. For a $10,000.00 auto loan with a term of 60 months, and a 5.49% APR, the monthly payment will be $191.39. For a $10,000.00 auto loan with a term of 72 months, and a 5.99% APR, the monthly payment will be $166.08. For a $10,000.00 auto loan with a term of 84 months, and a 6.99% APR, the monthly payment will be $151.31.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 6.49%
60 months 6.49%
72 months 6.99%
84 months 7.99%

*APR=Annual Percentage Rate. Offer effective 5/1/23. 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 6.49% APR, the monthly payment will be $237.73. For a $10,000.00 recreational vehicle loan with a term of 60 months, and a 6.49% APR, the monthly payment will be $196.13. For a $10,000.00 recreational vehicle loan with a term of 72 months, and a 6.99% APR, the monthly payment will be $170.92. For a $10,000.00 recreational vehicle loan with a term of 84 months, and a 7.99% APR, the monthly payment will be $156.32 .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 9.99%
Home Equity Line of Credit 4.99% for the first 12 months, then WSJ Prime plus 1%**

*APR =Annual Percentage Rate. Offer effective 1/1/2024. 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 9.99% APR, the monthly payment will be $322.62. 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 1/1/2024. Offer may be revised or withdrawn at any time.

**APR = Annual Percentage Rate. Information accurate as of May 1, 2024. The Credit Union reserves the right to change the terms of or discontinue this offer at any time without notice. APR dependent upon member eligibility and creditworthiness. Not all applicants will qualify for the lowest rate. 4.99% introductory promotional APR available for A+/A credit tier (680 or above) for 12 months after the loan is funded. Upon expiration of introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), published in the Wall Street Journal Prime Rate plus a margin of 1% (currently an APR of 9.50%) not to be less than 3.75% or exceed 18% at any time. At the beginning of the thirteenth month, your regular rate will go into effect. Minimum monthly payment may change because of rate change or outstanding loan balance. Home Equity products are subject to standard underwriting criteria, Loan to Value limitations, lien position, property use and location. The Credit Union reserves the right to add any closing costs advanced on your behalf to the balance of the loan if the account is closed within two (2) years. Consult your Loan Officer for Details. The annual percentage rate can change quarterly on the first day of January, April, July, and October.  Rates cannot increase more than 2% quarterly at each adjustment and 6% over the life of the loan, based on the original non discounted rate. Borrow up to 90% of appraised value for promotional rate for Home Equity Line of Credit. This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes or residential lots. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. This offer is available for new equity line members only. Hazard insurance required. Flood insurance required where applicable. Loan amounts range from $5,000 to $200,000. Minimum initial advance of $5,000. Exclusions and limitations apply. Refer to HELOC Early Disclosure or ask a Loan Officer for details. Please consult your tax advisor regarding interest deductibility. This offer may be withdrawn at any time.  This offer may not be combined with any other offers or discounts. NMLS# 456949. Equal Housing Opportunity Lender.

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 Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you.

Smart Move Savings

Balance APY* Dividend Rate
$50,000 and greater 3.5% 3.44%

*APY=Annual Percentage Yield.  $50,000 minimum to open. All Share Accounts have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time without advance notice to you.

IRA Share Savings Account

Balance APY* Dividend Rate
$500 – $4,999.99 0.45% 0.45%
$5,000 – $24,999.99 0.50% 0.50%
$25,000 – $124,999.99 0.95% 0.95%
$125,000 – $249,999.99 1.85% 1.83%
$250,000 and greater 2.25% 2.23%

*APY=Annual Percentage Yield. All Share 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, and Special Kids Share

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%

*ADDITIONAL TERMS: APY = Annual Percentage Yield. All Share and Business 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 1 of each year. If you make a withdrawal from a Holiday Club Account at ANY TIME before November 1, ALL accrued interest will be forfeited, and the account will be closed. Special Share Kids Accounts will earn a dividend rate of 5.84% and will be paid at 6.00% APY on the first $500. From time to time the Credit Union will offer a 9.57% dividend rate and pay 10% APY on the first $500. Amounts above $500 will earn the rate stated above, resulting in an APY of 0.05% to 10%, depending on the total balance. To qualify for a Special Share Kids Account, primary member must be under the age of 18 at account opening. TRUE Student Share Accounts will earn a dividend rate of 5.84% and will be paid at 6.00% APY on the first $1,000. Members who have an active TRUE Student Checking Account may earn a 9.57% dividend rate and will be paid at 10% APY on the first $1,000. Amounts above $1,000 will earn the rate stated above, resulting in an APY of 0.05% to 10%, depending on the total balance. To qualify for a TRUE Student Share Account, a member must be enrolled in a college, university, or community college at account opening. TRUE Student Share Account rates are valid for five (5) years from account opening. After five (5) years, the rates listed above will apply. All other accounts will earn the rate listed above on the entire account balance. Refer to your Master Account Agreement for additional terms and disclosures.

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 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 3.50% 3.44%

*APY=Annual Percentage Yield.

Promotional Rate CDs

Certificates of Deposit Terms APY*
5 months 5.00%
17 months 4.25%
33 months 3.75%

*Annual Percentage Yield (APY) is accurate as of 9/01/23. Interest is compounded daily and credited monthly. 90 days interest penalty or equivalent for early withdrawal of all certificates except 6-month certificates, which have a 30-day penalty. Special Note: Fees can reduce the earnings on your account.  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 promotional certificate of deposit is $1,000. CDs will automatically renew at maturity. 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 https://fsucu.org/bank/open-an-account 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. Some 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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