Prospective Dividend Rates as of 5/17/2013
| Share Savings | ||
| Account | Dividend Rate | APY* |
| Share Savings | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened
| Student Savings | ||
| Account | Dividend Rate | APY* |
| Student Savings | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $5
Minimum balance to collect dividends is $100
Rate may change after account is opened
| Special Savings | ||
| Account | Dividend Rate | APY* |
| Special Savings | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $20
Minimum balance to collect dividends is $100
Rate may change after account is opened
| IRA Shares | ||
| Account | Dividend Rate | APY* |
| IRA Shares | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened
| IRA Plus Shares | ||
| Account | Dividend Rate | APY* |
| IRA Shares | 0.10% | 0.10% |
*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $1000
Rate may change after account is opened
| IRA Premium Shares | ||
| Account | Dividend Rate | APY* |
| IRA Shares | 0.15% | 0.15% |
*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $10,000
Rate may change after account is opened
| Member's Choice Club | ||
| Account | Dividend Rate | APY* |
| Member's Choice Club | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $20
Minimum balance to collect dividends is $100
$20 early withdrawal penalty for each withdrawal prior to maturity
Rate may change after account is opened
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.
Prospective Dividend Rates as of 5/17/2013
| Impact Checking | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $1,000.00 | 2.96% | 3.00% |
| $1,000.01 - $10,000.00 | 1.00% | 1.00% |
| $10,000.01 - $25,000.00 | 0.50% | 0.50% |
| >$25,000.01 | 0.25% | 0.25% |
*APY - Annual Percentage Yield
Minimum balance to open is $100
Rate may change after account is opened
| Interest Checking | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $999.99 | 0.05% | 0.05% |
| $1,000.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - $24,999.99 | 0.05% | 0.05% |
| >$25,000.00 | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $1,000
Minimum average daily balance to avoid service charge is $1,000
Rate may change after account is opened
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.
Prospective Dividend Rates as of 5/17/2013
| Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $999.99 | 0.05% | 0.05% |
| >$1,000.00 | 0.10% | 0.10% |
*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Premium Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $9,999.99 | 0.10% | 0.10% |
| >$10,000.00 | 0.15% | 0.15% |
*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Prestige Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $49,999.99 | 0.10% | 0.10% |
| >$50,000.00 | 0.25% | 0.25% |
*APY - Annual Percentage Yield
Minimum balance to open is $50,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Premier Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $99,999.99 | 0.10% | 0.10% |
| >$100,000.00 | 0.50% | 0.50% |
*APY - Annual Percentage Yield
Minimum balance to open is $100,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.
Prospective Dividend Rates as of 5/17/2013
| Certificate Special | ||
| Term | 39 months | |
| Dividend Rate | 1.00% | |
| APY* | 1.00% | |
Minimum Balance to open $500
| Share Certificates and IRA Share Certificates - Account Balance of $500.00 - $9,999.99 | ||||||||||
| Term | 91 Days |
6 Months |
9 Months |
12 Months |
18 Months |
24 Months |
30 Months |
36 Months |
48 Months |
60 Months |
| Dividend Rate | 0.05% | 0.10% | 0.15% | 0.20% | 0.25% | 0.35% | 0.40% | 0.55% | 0.80% | 1.09% |
| APY* | 0.05% | 0.10% | 0.15% | 0.20% | 0.25% | 0.35% | 0.40% | 0.55% | 0.80% | 1.10% |
Minimum balance to open is $500
| Share Certificates and IRA Share Certificates - Account balance of $10,000.00 - $49,999.99 | ||||||||||
| Term | 91 Days |
6 Months |
9 Months |
12 Months |
18 Months |
24 Months |
30 Months |
36 Months |
48 Months |
60 Months |
| Dividend Rate | 0.10% | 0.15% | 0.20% | 0.25% | 0.30% | 0.40% | 0.45% | 0.60% | 0.85% | 1.14% |
| APY* | 0.10% | 0.15% | 0.20% | 0.25% | 0.30% | 0.40% | 0.45% | 0.60% | 0.85% | 1.15% |
Minimum balance to open is $10,000
| Share Certificates and IRA Share Certificates - Account balance of $50,000.00 and above | ||||||||||
| Term | 91 Days |
6 Months |
9 Months |
12 Months |
18 Months |
24 Months |
30 Months |
36 Months |
48 Months |
60 Months |
| Dividend Rate | 0.20% | 0.25% | 0.30% | 0.35% | 0.40% | 0.50% | 0.55% | 0.70% | 0.95% | 1.24% |
| APY* | 0.20% | 0.25% | 0.30% | 0.35% | 0.40% | 0.50% | 0.55% | 0.70% | 0.95% | 1.25% |
Minimum balance to open is $50,000
Minimum balance to open is $500
|
Minimum balance to open is $500
|
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| Early withdrawal Penalties | |
| Term | Penalties |
| Less Than 1 Year | 90 Days Dividends |
| 1 Year to 3 Years | 180 Days Dividends |
| Greater Than 3 Years | 270 Days Dividends |
*APY - Annual Percentage Yield
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.
Prospective Dividend Rates as of 5/17/2013
| Health Savings Account | ||
| Account | Dividend Rate | APY* |
| Health Savings Account | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened
| Health Savings Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $999.99 | 0.05% | 0.05% |
| >$1,000.00 | 0.10% | 0.10% |
*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Health Savings Premium Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $9,999.99 | 0.10% | 0.10% |
| >$10,000.00 | 0.15% | 0.15% |
*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Health Savings Account Share Certificates - Account Balance of $500.00 - $9,999.99 | ||||||||||
| Term | 91 Days | 6 Months | 9 Months | 12 Months | 18 Months | 24 Months | 30 Months | 36 Months | 48 Months | 60 Months |
| Dividend Rate | 0.05% | 0.10% | 0.15% | 0.20% | 0.25% | 0.35% | 0.40% | 0.55% | 0.80% | 1.09% |
| APY* | 0.05% | 0.10% | 0.15% | 0.20% | 0.25% | 0.35% | 0.40% | 0.55% | 0.80% | 1.10% |
Minimum balance to open is $500
| Health Savings Account Share Certificates - Account balance of $10,000.00 - $49,999.99 | ||||||||||
| Term | 91 Days | 6 Months | 9 Months | 12 Months | 18 Months | 24 Months | 30 Months | 36 Months | 48 Months | 60 Months |
| Dividend Rate | 0.10% | 0.15% | 0.20% | 0.25% | 0.30% | 0.40% | 0.45% | 0.60% | 0.85% | 1.14% |
| APY* | 0.10% | 0.15% | 0.20% | 0.25% | 0.30% | 0.40% | 0.45% | 0.60% | 0.85% | 1.15% |
Minimum balance to open is $10,000
| Health Savings Account Share Certificates - Account balance of $50,000.00 and above | ||||||||||
| Term | 91 Days | 6 Months | 9 Months | 12 Months | 18 Months | 24 Months | 30 Months | 36 Months | 48 Months | 60 Months |
| Dividend Rate | 0.20% | 0.25% | 0.30% | 0.35% | 0.40% | 0.50% | 0.55% | 0.70% | 0.95% | 1.24% |
| APY* | 0.20% | 0.25% | 0.30% | 0.35% | 0.40% | 0.50% | 0.55% | 0.70% | 0.95% | 1.25% |
Minimum balance to open is $50,000
*APY - Annual Percentage Yield
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Consult the Important Account Information Brochure for more account information. Fees may reduce earnings. All purchases and withdrawals made by check or Visa® Debit card are considered normal distributions from your Health Savings Account. Although Finance Center Federal Credit Union places no restrictions on the usage of this card, the IRS assesses a 20% penalty for non-qualified HSA withdrawals. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328.
Current Consumer Rates as of 5/8/2012
| Car, Truck, Van | ||
| Description | Maximum Terms | Current APR* |
| New & Used 2013-2011 | Term Varies | As low as 2.79% fixed |
| Used 2010 | Term Varies | As low as 3.29% fixed |
| Used 2009 | Term Varies | As low as 3.49% fixed |
| Used 2008 | Term Varies | As low as 3.99% fixed |
| Used 2007 | Term Varies | As low as 4.49% fixed |
| Used 2006 | Term Varies | As low as 4.99% fixed |
| Used 2005 and older | Term Varies | As low as 6.29% fixed |
Discount of 20 basis points for loan to value amounts of 85% or less.
*APR - Annual Percentage Rate
**Used and refinanced loan maximums limited by NADA retail value. Term is based upon loan amount and model year and are subject to change. 120% financing available only for 2002 or newer models. Rate is subject to change.
| Other | ||
| Description | Maximum Terms | Current APR* |
| Marine | Term Varies | As low as 8.04% fixed |
| RV & Travel Trailers | Term Varies | As low as 8.25% fixed |
| Motorcycles,ATVs & Snowmobiles | Term Varies | As low as 4.79% fixed |
*APR - Annual Percentage Rate
| Credit Card, Unsecured, Flexline | ||
| Description | Maximum Terms | Current APR* |
| VISA® Platinum | Term Varies | As low as 7.90% |
| VISA® Platinum Rewards | Term Varies | As low as 8.90% |
| Unsecured (Term Note) | Term Varies | As low as 9.50% fixed |
| FlexLine (Overdraft Protection -Unsecured Line of Credit) | Term Varies | As low as 5.25% fixed |
*APR - Annual Percentage Rate
Current Mortgage Rates as of May 16, 2013
| Mortgages - Purchases and Refinances | ||||
| Fixed Products | ||||
| Rates (%) | APR (%) | Discount Points | Loan Amount | |
| 30 Year Fixed | 3.625% | 3.706% | 0.000% | $123,999.00 |
| 20 Year Fixed | 3.500% | 3.612% | 0.000% | $123,999.00 |
| 15 Year Fixed | 2.875% | 3.016% | 0.000% | $123,999.00 |
| 30 Year FHA | 3.250% | 3.330% | 0.000% | $123,999.00 |
| 15 Year FHA | 2.750% | 2.891% | 0.000% | $123,999.00 |
| Variable Products | ||||
| Rates (%) | APR (%) | Discount Points | Loan Amount | |
| 1 Year ARM | 4.000% | 4.083% | 0.000% | $123,999.00 |
| 3/1 ARM | 3.000% | 3.078% | 0.000% | $123,999.00 |
| 5/1 ARM | 3.500% | 3.581% | 0.000% | $123,999.00 |
| Home Equity Loans | ||||
| Home Equity Loans (Fixed Rates)** - 1st Lien | ||||
| Description | APR (%) | Loan to Value | Estimated Monthly Payment (example: $10,000 loan) |
|
| Fixed Rate/Fixed Term - 60 months | As low as 2.625% Fixed APR | Up to 70% | $178.12 | |
| Fixed Rate/Fixed Term - 120 months | As low as % Fixed APR | Up to 70% | $98.34 | |
| Fixed Rate/Fixed Term - 180 months | As low as 3.000% Fixed APR | Up to 70% | $71.52 | |
| Home Equity Loans (Fixed Rates) - 2nd Lien | ||
| Description | APR (%) | Loan to Value |
| Home Equity Loan | As low as 6.600% Fixed APR | Up to 80% |
| Home Equity Line of Credit**** | ||
| Description | APR (%) | Loan to Value |
| Home Equity Line of Credit (Variable Rate) - 1st or 2nd Lien**** | As low as 4.000% Variable APR*** | Up to 80% |
| Home Equity Line of Credit (Fixed Rate) - 1st or 2nd Lien | As low as 5.750% Variable APR*** | Up to 80% |
APR - Annual Percentage Rate is based on 70% loan to value. Subject to underwriting guidelines. Rates may vary depending on the loan amount borrowed and the equity in your home. All rates are subject to change daily. Property insurance is required. Indiana residents only. Borrower's primary residence only. Lock period: 30 days. Consult your tax advisor regarding deductibility of interest.
*Conventional mortgage product with application fee and closing costs.
**High equity mortgages required to be in the first lein position. Contact the Mortgage Department (317.916.7740) for rates on loans greater than 70% loan to value. First mortgage product with application fee and closing costs.
***The annual percentage rate is subject to change and minimum monthly payments can change as a result. Maximum annual percentage rate cannot exceed 18%.
****The annual percentage rate is subject to change and minimum monthly payments can change as a result. Maximum annual percentage rate cannot exceed 18%. Subject to a 4% APR Minimum Floor Rate.
****A $129 processing fee is charged for all Home Equity Loan products.
Prospective Dividend Rates as of 5/17/2013
| Business Savings | ||
| Account | Dividend Rate | APY* |
| Business Share Savings | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $100
Minimum balance to collect dividends is $100
Rate may change after account is opened
| Business Interest Checking | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $999.99 | 0.05% | 0.05% |
| $1,000.00 - 24,999.99 | 0.05% | 0.05% |
| >$25,000.00 | 0.05% | 0.05% |
*APY - Annual Percentage Yield
Minimum balance to open is $1000
Rate may change after account is opened
| Business Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $999.99 | 0.05% | 0.05% |
| >$1,000.00 | 0.10% | 0.10% |
*APY - Annual Percentage Yield
Minimum balance to open is $1000
Minimum balance to collect dividends is $0
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Business Premium Money Market | ||
| Balance | Dividend Rate | APY* |
| $0.00 - $9,999.99 | 0.10% | 0.10% |
| >$10,000.00 | 0.15% | 0.15% |
*APY - Annual Percentage Yield
Minimum balance to open is $10,000
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Business Prestige Money Market | ||
| Balance | Dividend Rate | APY* |
| >$50,000.00 | 0.25% | 0.25% |
*APY - Annual Percentage Yield
Minimum balance to open is $50,000
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Business Premier Money Market | ||
| Balance | Dividend Rate | APY* |
| >$100,000.00 | 0.50% | 0.50% |
*APY - Annual Percentage Yield
Minimum balance to open is $100,000
Rate may change after account is opened
Dividends paid monthy based on daily balances
| Business Credit Card | ||
| Description | Maximum Terms | Current APR* |
| Business Visa® Platinum | Term Varies | As low as 8.25% |
*APR - Annual Percentage Rate
Rate may change after account is opened
