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Our Rates
Experience exceptional savings and growth with Friends and Family’s competitive rates on loans and savings accounts, tailored to enhance your financial potential and support you in reaching your goals.
Rates effective on December 22, 2024
Loan & Checking Rates
Name | Rate | APY |
Kasasa Cash (Requirements Not Met)*** | 0.02% | 0.02% |
Kasasa Saver (Requirements Not Met)*** | 0.02% | 0.02% |
Kasasa Cash Over $15,000 ** | 0.40% | 0.40% |
Kasasa Saver Over $30,000 ** | 0.15% | 0.15% |
Kasasa Saver $0 to $30,000 ** | 1.49% | 1.50% |
Kasasa Cash $0 to $15,000 ** | 3.92% | 4.00% |
$50 To Open – No minimum balance required to earn dividends. Kasasa Cash Back: Earn up to 3.00% Cash Back on purchases up to $300 (requirements must be met). ***Requirements not met in cycle. **Must Meet account requirements for this rate.
Type | As Low As APR* | Term | |
Auto Loan 2021 & Newer | 5.69% | Up to 60 Months | |
Auto Loan 2021 & Newer | 6.14% | Up to 76 Months | |
Auto Loan 2021 & Newer | 6.94% | 76 to 84 Months | |
Auto Loan 2018 – 2020 | 5.69% | Up to 60 Months | |
Auto Loan 2018 – 2020 | 6.14% | Up to 76 Months | |
Auto Loan 2016 – 2017 | 7.69% | Up to 76 Months | |
Auto Loan 2013 – 2015 | 8.19% | Up to 48 Months | |
Auto Loan 2013 – 2015 | 8.44% | Up to 72 Months | |
Auto Loan 2012 & Older | 9.99% | Up to 60 Months |
Discounts may be available based on your Family Advantage tier.
*Processing fee of $220 assessed on every vehicle loan
Type | As Low As APR* | Term | |
Boat, RV, ATV, Snowmobile 2021 & Newer | 9.29% | Up to 72 Months | |
Boat, RV, ATV, Snowmobile 2016 – 2020 | 9.54% | Up to 60 Months | |
Boat, RV, ATV, Snowmobile 2015 & Older | 9.79% | Up to 48 Months |
Discounts may be available based on your Family Advantage tier.
*Processing fee of $220 assessed on every vehicle loan
Type | Rate | |
Home Equity Line of Credit (Variable) | As low as 7.75% APR | |
Home Equity Loan | As low as 8.75% APR | Up to 80% LTV |
Type | Fixed Rate | Term |
Bill Consolidation & Signature Loans | 10.04% | Up to 12 Months |
Bill Consolidation & Signature Loans | 10.29% | Up to 24 Months |
Bill Consolidation & Signature Loans | 10.54% | Up to 36 Months |
Bill Consolidation & Signature Loans | 12.79% | Up to 48 Months |
Bill Consolidation & Signature Loans | 13.79% | Up to 60 Months |
Type | Fixed Rate | Term |
Platinum Rewards Mastercard | 9.95% | Earn 3% On Every Purchase |
Type | As Low As APR* | Term |
First Mortgage | Call 330-832-1371 | 10 Year Term |
First Mortgage | Call 330-832-1371 | 15 Year Term |
First Mortage | Call 330-832-1371 | 30 Year Term |
Second Mortgage (80% LTV) | As low as 7.25% | 10 to 15 Years |
Learn more about our Mortgages
*A processing fee of $595 will be assessed on every First Mortgage loan
Deposit Rates
Type | Rate | APY* |
Christmas Club Savings – Balance of $100 and over | 0.02% | 0.02% |
Regular Share Savings – Balance of $100 and over | 0.02% | 0.02% |
NOW Account $2,500 to $9,999 | 0.50% | 0.50% |
NOW Account $10,000 to $24,999 | 1.00% | 1.00% |
NOW Account $25,000 to $49,999 | 2.00% | 2.02% |
NOW Account $50,000 to $99,999 | 2.25% | 2.27% |
NOW Account $100,000 to $149,999 | 2.25% | 2.27% |
NOW Account $150,000 to $199,999 | 2.50% | 2.52% |
NOW Account $200,000 and Over | 3.00% | 3.03% |
Type | Rate | APY* | |
Certificate | 3.84% | 3.90% | |
Certificate | 3.74% | 3.80% | 9 Months |
Certificate | 3.60% | 3.65% | |
Certificate | 3.55% | 3.60% | |
Certificate | 3.55% | 3.60% | 24 Months |
Certificate | 3.45% | 3.50% | 36 Months |
Certificate | 3.45% | 3.50% | 48 Months |
Certificate | 3.45% | 3.50% | 60 Months |
APY could be increased based on your Family Advantage Tier. A $100 minimum deposit is required to open an IRA. A $1,000 minimum deposit required to open regular certificate. Dividends compound quarterly. Rates subject to change.
*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Additional restrictions may apply. All rates and promotions subject to change without notice. A processing fee of $220 will be assessed. Loan rate is determined by term of loan and personal credit history. See credit union for details.