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Loan Rates

Loan Rates

Rates Effective: 2/2/2015

Get Up to 1% Off Stated Auto Loan Rates with CHOICE Discounts!  New Auto Loan Rates as low as 1.99% for 66 Months!  Used Auto Loan Rates as low as 2.29% for 66 Months!

New Auto Loans — 100% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 2.99% 3.99% 4.99%
670-699 4.99% 5.99% 6.99%
640-669 6.49% 7.49% 8.49%
610-639 10.99% 11.99%  
609 & Below 14.99%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on the borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.  

*100% of MSRP plus tax, license, CL&D, warranty and GAP. For FICO scores of 640 or greater, the total advance is not to exceed 130% of MSRP; for 639 or lower, it is not to exceed 110% of MSRP. For example, you will pay $16.46 per month per $1,000 borrowed for 66 months at 2.99% APR with up to 100% financing. Rates listed are original standard annual percentage rates (APRs) without the Fiscal CHOICE Discounts.

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New Auto Loans — 90% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 2.89% 3.89% 4.89%
670-699 4.89% 5.89% 6.89%
640-669 6.39% 7.39% 8.39%
610-639 10.89% 11.89%  
609 & Below 14.89%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto Loan rates are based on the borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utlitized for light transporation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history. 

*90% of MSRP plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.41 per month per $1,000 borrowed for 66 months at 2.89% APR with up to 90% financing. Rates listed are the original standard annual percentage rates (APRs) without the Fiscal CHOICE Discounts.

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New Auto Loans — 80% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 2.79% 3.79% 4.79%
670-699 4.79% 5.79% 6.79%
640-669 6.29% 7.29% 8.29%
610-639 10.79% 11.79%  
609 & Below 14.79%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.

*80% of MSRP plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.37 per month per $1,000 borrowed for 66 months at 2.79% APR with up to 80% financing. Rates listed are the original standard annual percentage rates (APRs) without the Fiscal CHOICE Discounts.

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Used Auto Loans — 100% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 3.49% 4.49% 5.49%
670-699 5.49% 6.49% 7.49%
640-669 6.99% 7.99% 9.99%
610-639 11.49% 12.49%  
609 & Below 15.49%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.  

Financing is available for new and used vehicles utliized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% bsed on credit tier/history.

*100% of Retail KBB plus tax, license, CL&D, warranty and GAP. For FICO scores of 640 or greater, the total advance is not to exceed 130% of Retail KBB; for 639 or lower, it is not to exceed 110% of Retail KBB. For example, you will pay $16.68 per month per $1,000 borrowed for 66 months at 3.49% APR with up to 100% financing. Rates listed are the original standard annual percentage rates (APRs) without the Fiscal CHOICE Discounts.

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Used Auto Loans — 90% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 3.39% 4.39% 5.39%
670-699 5.39% 6.39% 7.39%
640-669 6.89% 7.89% 9.89%
610-639 11.39% 12.39%  
609 & Below 15.39%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history.

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history.

*90% of Retail KBB plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.64 per month per $1,000 borrowed for 66 months at 3.39% APR with up to 90% financing.  Rates listed are the original standard annual percentage rates (APRs) without the Fiscal CHOICE Discounts.

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Used Auto Loans — 80% Financing*

FICO Score< 66 Mos67-72 Mos73-84 Mos
700+ 3.29% 4.29% 5.29%
670-699 5.29% 6.29% 7.29%
640-669 6.79% 7.79% 9.79%
610-639 11.29% 12.29%  
609 & Below 15.29%    

“My First Wheels” and First-Time Buyer Auto Loan Rates are based on co-borrower’s FICO score published rate plus 2%.

The Fresh Start Auto loan rates are based on borrower's FICO score published rate plus 2% or 3%, based on credit tier/history

Financing is available for new and used vehicles utilized for light transportation for passenger services.  Rates are based on borrower's FICO score published rate plus 2%-5% based on credit tier/history. 

*80% of Retail KBB plus tax, license, CL&D, warranty and GAP. For example, you will pay $16.59 per month per $1,000 borrowed for 66 months at 3.29% APR with up to 80% financing.

 

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Auto Loan Limits

Min. Loan AmountMax. Loan AmountTerms (Mos.)
$2,500   36
$5,000   48
$10,000   66
$15,000   72
$30,000 $75,000 84

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CHOICE Auto Loan Discount Program**

Get up to 1% off your next new or used auto loan rate by choosing up to four of the following discounts:

DiscountCondition
-0.25% Automatic payment from a Fiscal checking account
-0.25% Fiscal Member for 10 or more years
-0.25% Two or more Fiscal loans with a combined balance of $10,000 or greater (includes new loan)
-0.25% Existing or new FREE Bill Pay user
-0.25% Existing or new FREE Direct Deposit user
-0.25% Existing or new FREE E-Statement user
-0.25% Purchase MBP through Fiscal
-0.25% Purchase GAP through Fiscal
-0.25% Purchase a vehicle from Autoland
-0.25% 55+ Advantage Program member

**Maximum of 4 discounts or 1.00% off the base rate.  CHOICE Discounts are available only to members applying for a Fiscal auto loan.  CHOICE Discounts may not be used on existing Fiscal auto loans. Maximum rate on any financed auto loan will not exceed 17.99%. 

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Unsecured Loans

FICO ScorePersonal Line of CreditPersonal Loan
700+ 12.99% 9.99%
670-699 13.99% 11.99%
640-669 14.99% 13.99%
610-639 16.99% 16.99%
609 & Below 17.99% 17.99%

“Credit Builder” Loan or Line of Credit rate is based on co-borrower’s FICO score published rate plus 2%.

The listed rates do not reflect a 0.25% discount availble for Automatic Payment from a Fiscal checking account. Minimum loan amount = $500; Maximum loan amount = $15,000. Fixed rate with terms available up to 60 months. Personal Loan example: You will pay $21.25 per month per $1,000 borrowed for 60 months at 9.99% APR. A 0.25% rate discount is available for automatic payment from a Fiscal checking account on a personal loan.

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Recreational Vehicle Loans

FICO Score*NEW RV, Boats, Travel Trailers*USED RV, Boats, Travel Trailers
700+ 6.79% 6.99%
670-699 7.79% 7.99%
640-669 8.79% 8.99%
610-639 10.79% 10.99%
609 & Below 11.79% 11.99%

Included in this category: RVs, Motorhomes, Mini-Motorhomes, Van Conversions, Boats and Travel Trailers. Minimum loan amount = $2,500; Maximum loan amount = $100,000. Terms available up to 144 months. For example, you will pay $10.18 per month per $1,000 borrowed for 144 months at 6.79% APR with up to 100% financing.

*Term and Loan to Value plans are the same as New and Used Auto Loan guidelines. For example, you will pay $15.00 per month per $1,000 borrowed for 84 months at 6.79% APR with up to 100% financing.

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Motorcycle, Watercraft, and Electric Vehicle Loans

FICO Score*NEW Motorcycles, Watercraft, Elect. Vehicles*USED Motorcycles, Watercraft, Elect. Vehicles
700+ 6.79% 6.99%
670-699 7.79% 7.99%
640-669 8.79% 8.99%
610-639 10.79% 10.99%
609 & Below 11.79% 11.99%

*Term and Loan to Value plans are the same as New and Used Auto Loan guidelines. For example, you will pay $15.00 per month per $1,000 borrowed for 84 months at 6.79% APR with up to 100% financing.

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Term Share Certificate and Share Secured Loans

ConditionsTerm Share Certificate Secured LoanShare Secured Loan
Rate 3.0% ABOVE Certificate Rate 6.50%
Loan Amount 100% of Certificate Value 100% of Share Value
Term Maturity Date of Certificate Up to 60 months
Payment $50 Minimum $50 Minimum

Share Secured Loan example: You will pay $19.57 per month per $1,000 borrowed for 60 months at 6.50% APR.

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Home Equity Loans

LTVTermRate
80% 10 Years 5.00%
80% 15 Years 5.50%

Minimum loan amount = $10,000; Maximum loan amount = $150,000. For example, you will pay $10.61 per month per $1,000 borrowed for 120 months at 5.00% APR with up to 80% financing.

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Home Equity Lines of Credit

LTVRate
80% 4.25%
70% 4.00%
60% 3.75%

This is a variable rate loan product. The index is the U.S. Prime Rate with a minimum floor rate of 3.75% APR for loans with LTV ratios of up to 60%, 4.00% APR for loans with LTV ratios up to 70% and 4.25% APR for loans with LTV ratios up to 80%. The APR is subject to change on the first day of each month. Maximum APR = 17%. Property insurance is required. Other conditions may apply and are subject to change without notice. Available only in California.  

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Rates listed on this page are original base Annual Percentage Rates (APRs) without any discounts. A 0.25% rate discount is available for Automatic Payment from a Fiscal checking account on closed-end loans, excluding Home Equity Loans and Certificate/Share Secured Loans. Signature, Lines of Credit, Home Equity Loans and Home Equity Lines of Credit are NOT eligible for Fiscal CHOICE discounts.

For Visa credit card interest rates, click here to open our Visa credit card rates tab.

Checking & Savings Rates

Checking & Savings Rates

Rates Effective: 1/19/2015

Checking Accounts

Account Type

Minimum Balance to Open Account

Minimum Balance to Earn APYDividend RateAPY*
Premium Checking $0 No minimum .03% .03%
eChecking $0 N/A .00% .00%
Protection Plus Checking $0 N/A .00% .00%
Protection Plus Checking - 55+ Advantage $0 N/A .00% .00%
Benefits Plus® Checking $0 No minimum .03% .03%
Benefits Plus® - Youth  $0 No minimum .03% .03%
Benefits Plus® - 55+ Advantage $0 No minimum .03% .03%

* APY = Annual Percentage Yield. Dividend rates and APYs are subject to change each week as determined by the Fiscal Credit Union's Board of Dirctors.  Fees could reduce the earnings on the checking accounts.

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Savings & Money Market Accounts

Account TypeMinimum Balance to Open AccountMinimum Balance to Earn APYDiv. RateAPY*
Savings^ $5 $200 .05% .05%
Young Savers^ $5 $200 .05% .05%
Holiday Club $10 $50 .05% .05%
Money Market  $1,000 $1,000–$2,499.99
$2,500 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – 99,999.99
$100,000+
.05%
.05%
.10%
.10%
.15%
.20%
.05%
.05%
.10%
.10%
.15%
.20%
Money Market Plus+ $50,000 NEW MONEY ONLY $50,000 .12% .12%

* APY = Annual Percentage Yield. Dividend rates and APYs are subject to change each week as determined by the Board of Directors.  Fees could reduce earnings on these accounts.

^ Young Savers account carries no monthly fee.

+ Money Market Plus Annual Percentage Yield (APY) set forth above is accurate as of the last dividend declaration date. The minimum opening deposit and the minimum balance required to earn the APY is $50,000.00.

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Term Share Certificate & IRA Rates

Investment Rates

Rates Effective: 12/24/2014

Term Share Certificates^ 

TermMinimum Balance to Earn APYDividend RateAPY*
180-364 Days $1,000
$25,000
$50,000
$75,000
$100,000
.10%
.15%
.15%
.15%
.20%
.10%
.15%
.15%
.15%
.20%
12-23 Months $1,000
$25,000
$50,000
$75,000
$100,000
.15%
.25%
.25%
.25%
.30%
.15%
.25%
.25%
.25%
.30%
24-35 Months $1,000
$25,000
$50,000
$75,000
$100,000
.25%
.35%
.40%
.40%
.45%
.25%
.35%
.40%
.40%
.45%
36-47 Months $1,000
$25,000
$50,000
$75,000
$100,000
.60%
.70%
.70%
.70%
.75%
.60%
.70%
.70%
.70%
.75%
48-59 Months $1,000
$25,000
$50,000
$75,000
$100,000
.70%
.95%
.95%
.95%
1.05%
.70%
.95%
.95%
.95%
1.05%
60 Months $1,000
$25,000
$50,000
$75,000
$100,000
.80%
1.25%
1.25%
1.25%
1.30%
.80%
1.26%
1.26%
1.26%
1.31%

* APY = Annual Percentage Yield. Dividend rates and APYs are subject to change each week as determined by Fiscal Credit Union's Board of Directors.  Fees could reduce the earnings on these accounts.

^For M3 Money Club, Elements of Money and Pathways "Name Your Own" Certificates, the minimum balance requirement is $250 and the member may add to the certificate once a month. 

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55+ Advantage Certificates

Type of Term CertificateMinimum Balance to Open AccountMinimum Balance to Earn APYDividend RateAPY*
55+ Advantage Certificate~ $1,000 (New Money Only) $1,000 0.15% 0.15%

* APY = Annual Percentage Yield

~ 55+ Advantage Certificate has a 12-month term only. Dividends are calculated and paid monthly. 55+ Advantage Program members will receive a 0.25% bump-up option (once during the term) upon request on term share certificates.

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Roth and Traditional IRAs

TermMinimum Balance to Earn APYDividend RateAPY*
12-23 Months* $1,000
$25,000
$50,000
$75,000
$100,000
.15%
.25%
.25%
.25%
.30%
.15%
.25%
.25%
.25%
.30%
24-35 Months $1,000
$25,000
$50,000
$75,000
$100,000
.25%
.35%
.40%
.40%
.45%
.25%
.35%
.40%
.40%
.45%
36-47 Months $1,000
$25,000
$50,000
$75,000
$100,000
.60%
.70%
.70%
.70%
.75%
.60%
.70%
.70%
.70%
.75%
48-59 Months $1,000
$25,000
$50,000
$75,000
$100,000
.70%
.95%
.95%
.95%
1.05%
.70%
.95%
.95%
.95%
1.06%
60 Months $1,000
$25,000
$50,000
$75,000
$100,000
.80%
1.25%
1.25%
1.25%
1.30%
.80%
1.26%
1.26%
1.26%
1.31%
IRA & Roth IRA Savings (No Term) $100 .10% .10%

* APY = Annual Percentage Yield. The dividend rate and APY are subject to change each week as determined by Fiscal Credit Union's Board of Directors.  Fees could reduce the earnings on these accounts.

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For all accounts except Term Certificate (Term Share) accounts, dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings on any of the listed accounts. For all Share (Savings), Share Draft (Checking), and Money Market accounts, the prospective Dividend Rates and prospective APYs are set forth above. All Dividends with the exception of most Term Share Certificate accounts are paid monthly. There is a substantial penalty for early withdrawal of certificate funds. There may be Federal penalties for early withdrawal of IRA funds. Dividends and APYs may change monthly on Savings, Checking, and Insured Money Market accounts as declared by the Board of Directors. The dividend rate and APY for each Term Share Certificate account (Regular and IRA) are set forth above. For purpose of this disclosure these dividend rates and APYs were offered within the most recent seven calendar days and were accurate through the last date set forth above. Rates and Terms are subject to change without notice. Please call the Credit Union at (800) 311-3328 to obtain current rate information. For a complete disclosure of terms and conditions refer to the Truth-in-Savings Disclosure and Electronic Services Disclosure and Agreement.

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Visa® Credit Card Rates

Rates Effective: 12/24/2014

To view the most current Visa® Credit Card Disclosure, which includes rates and fees, click here.  

Visa® Platinum With Rewards

FICO ScoreAPR* for PurchasesAPR* for Balance TransfersPROMOTIONAL APR* for Balance Transfers**APR* for Cash Advances
700+ 9.99% 11.99% 3.99% 11.99%
670-699 10.99% 12.99% 4.99% 12.99*
640-669 12.99% 14.99% 6.99% 14.99%
610-639 14.99% 16.99% 8.99% 16.99%
609 & Below 15.99% 17.99% 9.99% 17.99%

Visa® Platinum

FICO ScoreAPR* for PurchasesAPR* for Balance TransfersPROMOTIONAL APR* for Balance Transfers**APR* for Cash Advances
700+ 8.99% 10.99% 2.99% 10.99%
670-699 9.99% 11.99% 3.99% 11.99%
640-669 11.99% 13.99% 5.99% 13.99%
610-639 13.99% 15.99% 7.99% 15.99%
609 & Below 14.99% 16.99% 8.99% 16.99%

Visa® Platinum Secured

FICO ScoreAPR* for PurchasesAPR* for Balance TransfersAPR* for Cash Advances
700+ 10.99% 12.99% 11.99%
670-699 11.99% 13.99% 12.99%
640-669 12.99% 14.99% 14.99%
610-639 14.99% 17.99% 16.99%
609 & Below 15.99% 17.99% 17.99%

 *APR = Annual Percentage Rate.  Rates are subject to change without notice.  Certain restrictions apply.  Call the Credit Union for details.

**Promotional APR is available only from February 2, 2015 through March 31, 2015.  Click here to learn more about our special promotional offer.

Fees

Membership, Savings and Checking Account Fees (Effective January 19, 2015)

ItemFee
Membership

Membership (Entrance Fee)

  • Waived with opening savings deposit balance of $5
  • Minimum balance of $200 required to earn APY* and avoid monthly service charge
$5.00
Savings Accounts
Low Savings Balance Fee^ $2.00 per month if average daily balance falls below $200
Money Market Accounts
Excessive Transaction Fee $20.00 per item (exceeding 6 checks per month)
Monthly Service Charge $10.00 (when average daily balance falls below $1,000)
Checking Accounts
Protection Plus Checking Fee $3.95/month
Protection Plus Checking Fee - 55+ Advantage  $1.95/month
eChecking Fee $3.95/month+
Premium Checking Fee $15.00/month**
Benefits Plus® Checking Fee $6.00/month^^
Benefits Plus® Youth Checking Fee $6.00/month ++
Benefits Plus® Checking Fee - 55+ Advantage  $3.00/month^^
Individual Retirement Accounts (IRAs) 
Annual Maintenance Fee FREE
Early Termination/ Transfer Fee $25.00

*APY = Annual Percentage Yield

^Young Savers account carries no monthly fees.

+FREE with E-Statements and one of the following:  one Fiscal Online Bill Payment per month OR eight signature-based transactions per month with a Fiscal Visa Check Card OR a monthly direct deposit of $500 or more.

**No charge with minimum aggregate average daily savings, checking and loan balances of $15,000 (excluding First Trust Deed Loans).

^^Free for the first 90 days

++Free with E-Statements

Loan Fees

ItemFee
Loan Application  FREE
Loan Payment Returned $29.00 per item
Declined Loan Processing (within six months) $25.00 (no fee if approved)
Skip-A-Pay  $27.00 per skip
Loan Extension/ Modification  $25.00

Visa® Credit Card Fees

ItemFee
Annual Fee NONE
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee Either $5 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee 1.0% of each international transaction requiring a currency conversion.  0.8% of each international transaction in U.S. Dollars
Late Payment Fee Up to $15.00
Over-the-Credit Limit Fee NONE
Returned Payment Fee Up to $25.00
Rush Card Fee $25.00
Document Fee $10.00
Stop Payment Fee on Convenience Check  $25.00
Pay By Phone Fee $10.00

Visa® Check Card/ATM Card Fees

ItemFee
Initial Card FREE
Unlimited Withdrawals at CO-OP Network ATMs FREE
Transaction Fee for every Out of CO-OP Network ATM withdrawals $1.00 per transaction
Annual Fee ATM Card only (without Checking) $5.00
Debit Card Dispute of Valid Charges $20.00
ATM Deposit Adjustment $15.00
ATM Empty Envelope Deposit $25.00
Replacement Card or PIN $10.00
Visa® Gift Card Fee ($25-$500) $3.50 per card

Online Banking and Bill Pay Fees

ItemFee
Fiscal Connect Online Banking FREE
Bill Pay FREE
Bill Pay Stop Payment $25.00 per item
Bill Pay Inactivity $5.00 per month (after two consecutive months of non-use)
Bill Pay Re-enrollment $5.00
Bill Pay Non-Sufficient Funds $29.00 per item
E-Statements Monthly FREE
Online Funds Transfer (Standard Inbound) FREE
Online Funds Transfer (Standard Outbound) $2.50
Online Funds Transfer (Express Inbound) $5.00
Online Funds Transfer (Express Outbound) $7.00

Member Service Fees

ItemFee
Account Closed per Member Request (within 6 months of opening) $15.00
Account Research/ Reconciliation (1 hour minimum) $30.00 per hour
Cashier’s Check $5.00 per check
Check Cashing $5.00 per item
Check Printing Varies
Compliance with Legal Order (Garnishments, Executions, Levies, etc.) $30.00 per document
Copy of a Statement (Free thru E-Statements) $5.00
Courtesy Pay (Item paid against NSF, maximum $750) $29.00 per item
Expressline 24 hour Banking by Phone FREE
Deposited Item Returned $25.00 per item
Domestic Outgoing Collection $15.00, plus expenses incurred
Foreign Outgoing Collection $20.00, plus expenses incurred
Foreign Sponsorship Letter (2 copies) $10.00
Incoming Wire Transfer Fee $10.00
Outgoing Domestic Wire Transfer Fee $30.00, plus expenses incurred
Outgoing Foreign Wire Transfer Fee $40.00, plus expenses incurred
Wire Trace $15.00
Instant Check Payment $10.00
Late Deposit Fee $18.00 per item
Locator Service (obsolete account address) $5.00 per year
Non-Sufficient Funds Fee $29.00 per item
Notary Fee (Non-Credit Union Business) $5.00 per signature
Notice of Escheat $2.00
Research and Retrieval Fee (FSCC transactions only) $25.00
Returned Mail/Bad Address Fee $5.00
Verification of Deposit $10.00
Online Check Imaging FREE
Retrieval and Copy of Paid Check $5.00 (2 FREE per statement)
Stop Payment Order or Renewal for Checks (in effect for six months) $25.00
Stop Payment Order or Renewal for ACH Items or Corporate Checks $20.00
Stop Payment Cancellation $10.00

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.