Rates

Choose a Rate

Have a question? Please contact us today for more information.

Share Rates

Effective as of 11/01/2024

Account TypeAPRAPY
Regular Shares - $250.00 to $4,999.00 0.15% 0.15%
Regular Shares - $5,000.00 to $9,999.00 0.25% 0.25%
Minor Account - $100.00 0.15% 0.15%
Super Saver - Over $10,000.00 0.50% 0.50%
Christmas Club 0.15% 0.15%
Vacation Club 0.15% 0.15%
IRA 0.25% 0.25%

Certificates

Effective as of 11/01/2024

TermAmountAPRAPY
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 11/01/2024

New Autos

5000 miles or less qualifies as new.

DescriptionTerms & ConditionsAPR*
2025 and Newer Models Up to 60 Months 4.29%* 
2025 and Newer Models 72 Months 5.29%* 
2025 and Newer Models 84 Months 6.29%*

Used Autos

DescriptionTerms & ConditionsAPR*
2020 to 2024 Models Up to 60 Months 5.29%* 
2020 to 2024 Models 72 Months 6.29%* 
2020 and Prior Models 60 Months 7.49%*

Recreation Vehicles

RVs, Boats, Travel Trailers, ATVs. Subject to Term and Credit.

DescriptionTerms & ConditionsAPR*
New RV Up to 120 Months 7.29%* (Minimum Rate)
Used RV Up to 120 Months 7.99%* (Minimum Rate)
New Motorcycle Up to 72 Months 6.29%*
Used Motorcycle Up to 72 Months 7.29%*

*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 TypeAmountTerms & ConditionsAPR*
Personal Signature Loan $15,000 Maximum 60 Months Maximum Terms *APR based on Term, Amount and Credit
Share Secured Loan 90% of Share Balance Maximum 36 Months Maximum Term *5.99%
Certificate Secured Loan 90% of Certificate Balance Maximum Term Matches Certificate Maturity 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)
Visa Platinum $5,000 to $15,000 Credit Limits Rate Based on Credit Worthiness *8.40% - 10.90%

Mortgages

For mortgage information, rates, and to apply please visit https://www.dreams-fresnopolice.com.