Rates
Choose a Rate
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Certificates
Vehicle Loans
Personal Loans
Have a question? Please contact us today for more information.
Certificates
Effective as of 04/01/2026
Term
Amount
APR
APY
12 Month
$5,000-49,999
0.15%
0.15%
18 Month
$5,000-49,999
0.20%
0.20%
24 Month
$5,000-49,999
0.25%
0.25%
12 Month
$50,000 +
0.20%
0.20%
18 Month
$50,000 +
0.25%
0.25%
24 Month
$50,000 +
0.40%
0.40%
Rates are subject to change. Please call for current rate information.
Vehicle Loans
Effective as of 04/01/2026
New Autos
Description
Terms & Conditions
APR*
2025-2026
Up to 60 Months
3.99%*
2025-2026
72 Months
3.99%*
2025-2026
84 Months
4.79%*
Used Autos
Description
Terms & Conditions
APR*
2021 to 2025 Models
Up to 60 Months
3.99%*
2021 to 2025 Models
72 Months
3.99%*
2020 to Prior Models (Up to 10 Model Years)
60 Months
6.49%*
Recreation Vehicles
RVs, Boats, Travel Trailers, ATVs. Subject to Term and Credit.
Description
Terms & Conditions
APR*
New RV
Up to 120 Months
6.59%* (Minimum Rate)
Used RV (Up tp 10 model years)
Up to 120 Months
7.29%* (Minimum Rate)
New Motorcycle
Up to 72 Months
5.79%*
Used Motorcycle
Up to 72 Months
6.99%*
*Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Personal Loans
Loan Type
Amount
Terms & Conditions
APR*
Personal Signature Loan
$15,000 Maximum
60 Months Maximum Term
*APR based on Term, Amount and Credit
Share Secured Loan
100% of Share Balance Maximum
60 Months Maximum Term
*5.99%
Certificate Secured Loan
100% of Certificate Balance Maximum
36 Months Maximum Term
Certificate Rate Plus 2.50%
Overdraft Protection
$2500 Maximum Line Amount
Term Open for 3 Years
*15.00%
Visa Classic
$500 to $5,000 Credit Limits
Rate Based on Credit Worthiness
*12.50% - 15.00% (Unsecured)
*10.5% (Share Secured Card)
*10.5% (Share Secured Card)
Visa Platinum
$5,000 to $15,000 Credit Limits
Rate Based on Credit Worthiness
*8.40% - 9.40%