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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 November 1, 2008. All other Loan Rates effective July 1, 2008 and are subject to change without notice. |
| Loans |
Rate |
APR* |
Term(Months)
|
|
| Auto - 2007 and Newer Models Rates as low as |
4.99 |
4.99 |
36 |
Calculator |
| Auto - 2007 and Newer Models Rates as low as |
4.99 |
4.99 |
48 |
Calculator |
| Auto - 2007 and Newer Models (Loan Amount > $10,000) Rates as low as |
4.99 |
4.99 |
60 |
Calculator |
| Auto - 2007 and Newer Models (Loan Amount > $25,000) Rates as low as |
5.50 |
5.50 |
72 |
Calculator |
| Auto - 2005 - 2006 Models Rates as low as |
5.25 |
5.25 |
36 |
Calculator |
| Auto - 2005 - 2006 Models Rates as low as |
5.25 |
5.25 |
48 |
Calculator |
| Auto - 2005 - 2006 Models (Loan Amount > $10,000) Rates as low as |
5.25 |
5.25 |
60 |
Calculator |
| Auto - 2005 - 2006 Models (Loan Amount > $25,000) Rates as low as |
5.50 |
5.75 |
72 |
Calculator |
| Auto - 2001 - 2004 Models** Rates as low as |
6.25 |
6.25 |
36 |
Calculator |
| Auto - 2001 - 2004 Models Rates as low as |
6.25 |
6.25 |
48 |
Calculator |
| Auto - 2001 - 2004 Models (Loan Amount > $10,000) Rates as low as |
6.25 |
6.25 |
60 |
Calculator |
| Used Auto 2000 and Older Models*** Rates as low as |
7.25 |
7.25 |
36 |
Calculator |
| New Motorcycle Rates as low as |
5.25 |
5.25 |
24 |
Calculator |
| New Motorcycle Rates as low as |
5.50 |
5.50 |
36 |
Calculator |
| New Motorcycle Rates as low as |
5.75 |
5.75 |
48 |
Calculator |
| New Motorcycles (Loan Amount > $10,000) Rates as low as |
6.00 |
6.00 |
60 |
Calculator |
| Used Motorcycles (2005-2007) Rates as low as |
5.75 |
5.75 |
24 |
Calculator |
| Used Motorcycles (2005-2007) Rates as low as |
6.00 |
6.00 |
36 |
Calculator |
| Used Motorcycles (2005-2007) Rates as low as |
6.25 |
6.25 |
48 |
Calculator |
| Used Motorcycles (2005-2007, Loan Amount > $10,000) Rates as low as |
6.50 |
6.50 |
60 |
Calculator |
| New Boat, RV, Motor Home (90% LTV) Rates as low as |
5.25 |
5.25 |
36 |
Calculator |
| New Boat, RV, Motor Home (90% LTV) Rates as low as |
5.50 |
5.50 |
48 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $10,000) Rates as low as |
5.75 |
5.75 |
60 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $25,000) Rates as low as |
6.75 |
6.75 |
72 |
Calculator |
| New Boat, RV, Motor Home (90% LTV, Loan Amount > $40,000) Rates as low as |
7.75 |
7.75 |
84 |
Calculator |
| Used Boat, RV, Motor Home (2005-2007, 90% LTV) Rates as low as |
6.25 |
6.25 |
36 |
Calculator |
| Used Boat, RV, Motor Home (2005-2007, 90% LTV) Rates as low as |
6.50 |
6.50 |
48 |
Calculator |
| Used Boat, RV, Motor Home (2005-2007, 90% LTV,Loan. Amt. > $10,000) Rates as low as |
6.75 |
6.75 |
60 |
Calculator |
| Used Boat, RV, Motor Home (2005-2007, 90% LTV,Loan. Amt. > $25,000) Rates as low as |
7.75 |
7.75 |
72 |
Calculator |
| Used Boat, RV, Motor Home (2005-2007, 90% LTV,Loan. Amt. > $40,000) Rates as low as |
8.75 |
8.75 |
84 |
Calculator |
| VIP Loan (APR & regular share rate) Rates as low as |
4.00 |
4.00 |
60 |
Calculator |
| VIP Plus Loan (APR & 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 |
7.50 |
7.50 |
36 |
Calculator |
| Personal Loan ($5,000.00 - $9,999.99) Rates as low as |
8.50 |
8.50 |
48 |
Calculator |
| Personal Loan ($10,000.00 - $20,000.00) Rates as low as |
9.50 |
9.50 |
60 |
Calculator |
| Tuition Loan Rates as low as |
6.49 |
6.49 |
11 |
Calculator |
| Computer Rates as low as |
6.50 |
6.50 |
6 |
Calculator |
| Computer Rates as low as |
6.90 |
6.90 |
12 |
Calculator |
| Computer Rates as low as |
7.90 |
7.90 |
24 |
Calculator |
*APR = Annual Percentage Rate. Rates include Royal Member discount.
**2001 - 2004 loan up to Trade Value in NADA book. ***2000 & 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 November 17, 2008 and HELOC rates are effective November 1, 2008 and are subject to change without notice. |
1st Mortgage (Fixed, 80% LTV, 15 year Max) Rates as low as
| Rate |
Points |
APR* |
| 6.000 |
|
6.000 |
1st Mortgage (Fixed, 80% LTV, 20 year Max) Rates as low as
| Rate |
Points |
APR* |
| 6.250 |
|
6.250 |
1st Mortgage (Fixed, 80% LTV, 30 year Max) Rates as low as
| Rate |
Points |
APR* |
| 6.500 |
|
6.500 |
Home Equity Line of Credit (HELOC) Rates as low as**
| Rate |
Points |
APR* |
| 3.50 |
|
3.50 |
*APR = Annual Percentage Rate
Rates are based on individual credit score. Your actual rate may vary. **HELOC loan rates are variable and are based upon the Wall Street Journal published Prime Rate, and your loan term and loan to value (LTV).
(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 November 1, 2008 and are subject to change without notice. Share Certificate rates are effective August 13, 2008 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
|
APY* Royal Member |
Term(Months)
|
| Shares ($0.00 - $999.99) |
0.40
|
0.40
|
n/a |
n/a |
n/a |
| Shares ($1,0000.00 - $9,999.99) |
0.75
|
0.75
|
n/a |
n/a |
n/a |
| Shares ($10,000.00 - $24,999.99) |
0.90
|
0.90
|
n/a |
n/a |
n/a |
| Shares ($25,000.00 - $49,999.99) |
0.95
|
0.95
|
n/a |
n/a |
n/a |
| Shares ($50,000.00 and over) |
1.00
|
1.00
|
n/a |
n/a |
n/a |
| IRA |
0.90
|
0.90
|
n/a |
n/a |
n/a |
| Christmas Club |
0.75
|
0.75
|
n/a |
n/a |
n/a |
| Mortgage Escrow |
0.15
|
0.15
|
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) |
0.40
|
0.40
|
n/a |
n/a |
n/a |
| Royal Checking( $ 7,500.00 and over) |
0.75
|
0.75
|
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) |
1.24
|
1.25
|
n/a |
n/a |
n/a |
| Money Market Account ($ 25,000.00 - $ 49,999.99) |
1.49
|
1.50
|
n/a |
n/a |
n/a |
| Money Market Account (over $ 50,000.00) |
1.69
|
1.70
|
n/a |
n/a |
n/a |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
2.42
|
2.45
|
2.67 |
2.70 |
6 |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
2.72
|
2.75
|
2.98 |
3.00 |
12 |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
3.25
|
3.30
|
3.49 |
3.55 |
24 |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
3.49
|
3.55
|
3.75 |
3.80 |
36 |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
3.69
|
3.75
|
3.95 |
4.00 |
48 |
| Share Certificates (Share and IRA $ 500.00 - $ 19,999.99) |
3.83
|
3.90
|
4.09 |
4.15 |
60 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
2.48
|
2.50
|
2.72
|
2.75
|
6 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
2.76
|
2.80
|
3.02
|
3.05
|
12 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
3.30
|
3.35
|
3.54
|
3.60
|
24 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
3.54
|
3.60
|
3.80
|
3.85
|
36 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
3.75
|
3.80
|
3.99
|
4.05
|
48 |
| Share Certificates (Share and IRA $ 20,000.00 - $ 49,999.99) |
3.89
|
3.95
|
4.14
|
4.20
|
60 |
| Share Certificates (Share and IRA over $ 50,000.00) |
2.58
|
2.60
|
2.82 |
2.85 |
6 |
| Share Certificates (Share and IRA over $ 50,000.00) |
2.82
|
2.85
|
3.06 |
3.10 |
12 |
| Share Certificates (Share and IRA over $ 50,000.00) |
3.40
|
3.45
|
3.64 |
3.70 |
24 |
| Share Certificates (Share and IRA over $ 50,000.00) |
3.64
|
3.70
|
3.89 |
3.95 |
36 |
| Share Certificates (Share and IRA over $ 50,000.00) |
3.83
|
3.90
|
4.09 |
4.15 |
48 |
| Share Certificates (Share and IRA over $ 50,000.00) |
3.99
|
4.05
|
4.23 |
4.30 |
60 |
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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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