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 | 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. 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, 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 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% dividend rate/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% dividend rates, 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 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.