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Loan Rates From Your St. Tammany Federal Credit Union, First Castle FCU.
We have very competitive rates for all types of loans including new and used cars, personal and mortgage. Let us show you why First Castle Federal Credit Union is THE credit union for all of St. Tammany Parish and our Corps members!
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Loan Calculator
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| Automobile Loan Rates effective June 1 2009. All other Loan Rates effective May 8, 2009 and are subject to change without notice. |
| Loans |
Rate |
APR* |
Term(Months)
|
|
| Auto - 2008 and Newer Models Rates as low as |
5.50 |
5.50 |
36 |
Calculator |
| Auto - 2008 and Newer Models Rates as low as |
5.60 |
5.60 |
48 |
Calculator |
| Auto - 2008 and Newer Models (Loan Amount > $10,000) Rates as low as |
5.70 |
5.70 |
60 |
Calculator |
| Auto - 2008 and Newer Models (Loan Amount > $25,000) Rates as low as |
6.15 |
6.15 |
72 |
Calculator |
| Auto - 2006 - 2007 Models Rates as low as |
5.90 |
5.90 |
36 |
Calculator |
| Auto - 2006 - 2007 Models Rates as low as |
5.95 |
5.95 |
48 |
Calculator |
| Auto - 2006 - 2007 Models (Loan Amount > $10,000) Rates as low as |
6.00 |
6.00 |
60 |
Calculator |
| Auto - 2006 - 2007 Models (Loan Amount > $25,000) Rates as low as |
6.50 |
6.50 |
72 |
Calculator |
| Auto - 2003 - 2005 Models** Rates as low as |
6.90 |
6.90 |
36 |
Calculator |
| Auto - 2003 - 2005 Models Rates as low as |
6.95 |
6.95 |
48 |
Calculator |
| Auto - 2003 - 2005 Models (Loan Amount > $10,000) Rates as low as |
7.00 |
7.00 |
60 |
Calculator |
| Used Auto 2002 and Older Models*** Rates as low as |
7.90 |
7.90 |
36 |
Calculator |
| New Motorcycle Rates as low as |
6.50 |
6.50 |
24 |
Calculator |
| New Motorcycle Rates as low as |
6.75 |
6.75 |
36 |
Calculator |
| New Motorcycle Rates as low as |
7.00 |
7.00 |
48 |
Calculator |
| New Motorcycles (Loan Amount > $10,000) Rates as low as |
7.25 |
7.25 |
60 |
Calculator |
| Used Motorcycles (2006-2008) Rates as low as |
7.00 |
7.00 |
24 |
Calculator |
| Used Motorcycles (2006-2008) Rates as low as |
7.25 |
7.25 |
36 |
Calculator |
| Used Motorcycles (2006-2008) Rates as low as |
7.50 |
7.50 |
48 |
Calculator |
| Used Motorcycles (2006-2008) Loan Amount > $10,000) Rates as low as |
7.75 |
7.75 |
60 |
Calculator |
| New Boat, RV, Motor Home (90% LTV) Rates as low as |
6.50 |
6.50 |
36 |
Calculator |
| New Boat, RV, Motor Home (90% LTV) Rates as low as |
6.75 |
6.75 |
48 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $10,000) Rates as low as |
7.00 |
7.00 |
60 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $25,000) Rates as low as |
8.00 |
8.00 |
72 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $40,000) Rates as low as |
9.00 |
9.00 |
84 |
Calculator |
| Used Boat, RV, Motor Home (2006-2008, 90% LTV) Rates as low as |
7.50 |
7.50 |
36 |
Calculator |
| Used Boat, RV, Motor Home (2006-2008, 90% LTV) Rates as low as |
7.75 |
7.75 |
48 |
Calculator |
| Used Boat, RV, Motor Home (2006-2008, 90% LTV,Loan. Amt. > $10,000) Rates as low as |
8.00 |
8.00 |
60 |
Calculator |
| Used Boat, RV, Motor Home (2006-2008, 90% LTV,Loan. Amt. > $25,000) Rates as low as |
8.50 |
8.50 |
72 |
Calculator |
| Used Boat, RV, Motor Home (2006-2008, 90% LTV,Loan. Amt. > $40,000) Rates as low as |
10.00 |
10.00 |
84 |
Calculator |
| VIP Loan (APR listed & regular share rate) Rates as low as |
4.00 |
4.00 |
60 |
Calculator |
| VIP Plus Loan (APR listed & regular share rate) Rates as low as |
5.00 |
5.00 |
72 |
Calculator |
| Special Holiday Personal Loan |
n/a |
n/a |
12 |
Calculator |
| Personal Loan ($500.00 - $4,999.99) Rates as low as |
8.25 |
8.25 |
36 |
Calculator |
| Personal Loan ($5,000.00 - $9,999.99) Rates as low as |
9.25 |
9.25 |
48 |
Calculator |
| Personal Loan ($10,000.00 - $20,000.00) Rates as low as |
10.25 |
10.25 |
60 |
Calculator |
| Tuition Loan Rates as low as |
6.99 |
6.99 |
11 |
Calculator |
| Computer Rates as low as |
7.25 |
7.25 |
6 |
Calculator |
| Computer Rates as low as |
7.65 |
7.65 |
12 |
Calculator |
| Computer Rates as low as |
8.65 |
8.65 |
24 |
Calculator |
*APR = Annual Percentage Rate. Ask about our Royal Member discount.
**2003- 2005 loan up to Trade Value in NADA book. ***2002 & older 3 year Maximum Loan Term and loan up to Loan Value in NADA book.
Rates are based on individual credit score. Your actual rate may vary.
(FCFCU cannot be held liable for typographical errors should they occur.)
Loan Example: $10,000.00 at 6.00% APR; 60 Monthly payments of approximately
$193.33
Go To Loan Application | Go To Calculators | Back to Top
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| 1st Mortgage Rates are effective June 1, 2009 and are subject to change without notice. |
1st Mortgage (Fixed, 80% LTV, 15 year Max) Rates as low as
| Rate |
Points |
APR* |
| 6.50 |
1.00% |
N/A |
| 6.00 |
none |
N/A |
1st Mortgage (Fixed, 80% LTV, 20 year Max) Rates as low as
| Rate |
Points |
APR* |
| 5.75 |
1.00% |
N/A |
| 6.25 |
none |
N/A |
1st Mortgage (Fixed, 80% LTV, 30 year Max) Rates as low as
| Rate |
Points |
APR* |
| 6.00 |
1.00% |
N/A |
| 6.50 |
none |
N/A |
*APR = Annual Percentage Rate
Rates are based on individual credit score. Your actual rate may vary. 1 Point = 1% of loan amount.
(FCFCU cannot be held liable for typographical errors should they occur.)
Go To Loan Application | Go To Calculators | Back to Top
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| Share rates are effective March 1, 2009 and are subject to change without notice. Share Certificate rates are effective March 23, 2009 and are subject to change without notice. Please see the "Minimum Balance Requirements" in ( ). All terms are in months. |
| Savings (Minimum Balance Requirements) |
Dividend Rate
|
APY* |
Dividend Rate Royal Member
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APY* Royal Member |
Term(Months)
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| Shares ($0.00 - $999.99) |
0.10
|
0.10
|
n/a |
n/a |
n/a |
| Shares ($1,0000.00 - $9,999.99) |
0.20
|
0.20
|
n/a |
n/a |
n/a |
| Shares ($10,000.00 - $24,999.99) |
0.40
|
0.40
|
n/a |
n/a |
n/a |
| Shares ($25,000.00 - $49,999.99) |
0.60
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0.60
|
n/a |
n/a |
n/a |
| Shares ($50,000.00 and over) |
0.75
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0.75
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n/a |
n/a |
n/a |
| IRA |
0.75
|
0.75
|
n/a |
n/a |
n/a |
| Christmas Club |
0.60
|
0.60
|
n/a |
n/a |
n/a |
| Mortgage Escrow |
0.10
|
0.10
|
n/a |
n/a |
n/a |
| Basic Checking |
n/a
|
n/a
|
n/a |
n/a |
n/a |
| Check Start Checking |
n/a
|
n/a
|
n/a |
n/a |
n/a |
| Select Checking( $ 1,500.00 and over) |
0.30
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0.30
|
n/a |
n/a |
n/a |
| Royal Checking( $ 7,500.00 and over) |
0.65
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0.65
|
n/a |
n/a |
n/a |
| Money Market Account ($ 1.00 - $ 1,999.99) |
n/a
|
n/a
|
n/a |
n/a |
n/a |
| Money Market Account ($ 2,000.00 - $ 24,999.99) |
1.00
|
1.00
|
n/a |
n/a |
n/a |
| Money Market Account ($ 25,000.00 - $ 49,999.99) |
1.09
|
1.10
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n/a |
n/a |
n/a |
| Money Market Account (over $ 50,000.00) |
1.19
|
1.20
|
n/a |
n/a |
n/a |
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*APY = Annual Percentage Yield
Fees may reduce earnings on share accounts and early withdrawal penalties may apply on share certificate accounts. Contact an employee for further information about applicable fees and terms. This Credit Union is federally insured by the National Credit Union Administration.
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Minimum Balance Requirements $500.00-$19,999.99. Rates effective June 1, 2009
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Term
|
Dividend Rate
|
APY*
|
Royal Members Dividend Rate
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Royal Members APY*
|
|
6 months
|
1.59%
|
1.60%
|
1.84%
|
1.86%
|
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1 year
|
1.83%
|
1.85%
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2.08%
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2.10%
|
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2 year
|
2.28%
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2.30%
|
2.53%
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2.56%
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3 year
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2.52%
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2.55%
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2.77%
|
2.80%
|
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4 year
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2.52%
|
2.55%
|
2.77%
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2.80%
|
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5 year
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2.52%
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2.55%
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2.77%
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2.80%
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Minimum Balance Requirements $20,000.00-$49,999.99. Rates effective June 1, 2009
| Term |
Dividend Rate |
APY* |
Royal Members Dividend Rate |
Royal Members APY* |
| 6 months |
1.64% |
1.65% |
1.89% |
1.91% |
| 1 year |
1.88% |
1.90% |
2.13% |
2.15% |
| 2 year |
2.33% |
2.35% |
2.58% |
2.61% |
| 3 year |
2.57% |
2.60% |
2.82% |
2.86% |
| 4 year |
2.57% |
2.60% |
2.82% |
2.86% |
| 5 year |
2.57% |
2.60% |
2.82% |
2.86% |
Minimum Balance Requirements $50,000.00 & Over. Rates effective June 1, 2009
| Term |
Dividend Rate |
APY* |
Royal Members Dividend Rate |
Royal Members APY* |
| 6 months |
1.64% |
1.65% |
1.89% |
1.91% |
| 1 year |
1.88% |
1.90% |
2.13% |
2.15% |
| 2 year |
2.33% |
2.35% |
2.58% |
2.61% |
| 3 year |
2.57% |
2.60% |
2.82% |
2.86% |
| 4 year |
2.57% |
2.60% |
2.82% |
2.86% |
| 5 year |
2.57% |
2.60% |
2.82% |
2.86% |
Click here for additional information on becoming a Royal Member.
*APY= Annual Percentage Yield. Early withdrawal penalties may apply on Share Certificate accounts. Rates are subject to change and are fixed for the term of the certificate. Certificate dividends compound and post monthly. The Credit Union is federally insured by the National Credit Union Administration (NCUA).
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