Print Share Secured Loan Rates
Share Secured Loan
| Term |
APR |
| Up to 120 Months |
as low as 2.35% (2.00% + Share Dividend Rate) |
Loan rates and terms are subject to change without notice. Applications are subject to credit approval. First Source Regular Savings, Special Purpose Savings, Money Market and Term Share Certificate accounts may be used to secure the loan. A balloon payment may be applicable for a Term Share Certificate-secured loan, if the maturity date of the loan exceeds the maturity date of the Term Share Certificate.
Monthly payments for a 1 year Share Secured Loan secured by a Regular Savings share would be $84.39 per $1,000 borrowed at 2.35% as of 10/18/2022. APR will vary depending on the share used to secure the loan.
Print Vehicles & Motorcycles Rates
Vehicles & Motorcycles
2022-2024
Including Classics
| Term |
APR |
| 12 Month |
as low as 4.74% |
| 24 Month |
as low as 4.74% |
| 36 Month |
as low as 4.74% |
| 48 Month |
as low as 4.74% |
| 60 Month |
as low as 4.99% |
| 72 Month |
as low as 4.99% |
| 84 Month |
as low as 4.99% |
| 96 Month |
as low as 6.49% |
| 108 Month |
as low as 7.49% |
2019-2021
| Term |
APR |
| 12 Month |
as low as 4.74% |
| 24 Month |
as low as 4.74% |
| 36 Month |
as low as 4.74% |
| 48 Month |
as low as 4.74% |
| 60 Month |
as low as 4.99% |
| 72 Month |
as low as 4.99% |
| 84 Month |
as low as 4.99% |
2018 & Older
Excluding Classics
| Term |
APR |
| 12 Month |
as low as 5.99% |
| 24 Month |
as low as 5.99% |
| 36 Month |
as low as 5.99% |
| 48 Month |
as low as 5.99% |
| 60 Month |
as low as 6.24% |
| 72 Month |
as low as 6.24% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year new vehicle loan at 4.99% would be $18.88 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan at 4.99% would be $18.88 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan at 6.24% would be $19.46 per $1,000 borrowed.
Print Mechanical Breakdown Protection Loan Rates
Mechanical Breakdown Protection Loan
| Term |
APR |
| Up to 96 Months |
as low as 3.99% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan must be used for warranty coverage or other vehicle protection product.
Monthly payments for a 5 year mechanical breakdown protection loan at 3.99% would be $18.41 per $1,000 borrowed.
Print Recreational Use Vehicles Rates
Recreational Use Vehicles
| Term |
APR |
| 12 Month |
as low as 4.24% |
| 24 Month |
as low as 4.24% |
| 36 Month |
as low as 4.24% |
| 48 Month |
as low as 4.50% |
| 60 Month |
as low as 4.75% |
| 72 Month |
as low as 4.85% |
| 84 Month |
as low as 4.95% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year recreational use vehicle or equipment loan at 4.75% would be $18.76 per $1,000 borrowed.
Print Equipment Loan Rates
Equipment Loan
| Term |
APR |
| 12 Month |
as low as 5.24% |
| 24 Month |
as low as 5.24% |
| 36 Month |
as low as 5.24% |
| 48 Month |
as low as 5.24% |
| 60 Month |
as low as 5.74% |
| 72 Month |
as low as 5.99% |
| 84 Month |
as low as 6.74% |
| 120 Month |
as low as 6.99% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year equipment loan at 5.74% would be $19.21 per $1,000 borrowed.
Print Boats, Campers, RV's & Motor Homes Rates
Boats, Campers, RV's & Motor Homes
2022-2024
| Term |
APR |
| 12 Month |
as low as 3.99% |
| 24 Month |
as low as 3.99% |
| 36 Month |
as low as 3.99% |
| 48 Month |
as low as 3.99% |
| 60 Month |
as low as 4.24% |
| 72 Month |
as low as 4.49% |
| 84 Month |
as low as 4.99% |
| 96 Month |
as low as 5.24% |
| 108 Month |
as low as 5.24% |
| 120 Month |
as low as 5.54% |
| 180 Month |
as low as 6.54% |
2021 & Older
| Term |
APR |
| 12 Month |
as low as 4.75% |
| 24 Month |
as low as 4.75% |
| 36 Month |
as low as 4.85% |
| 48 Month |
as low as 4.95% |
| 60 Month |
as low as 5.05% |
| 72 Month |
as low as 5.30% |
| 84 Month |
as low as 5.55% |
| 96 Month |
as low as 5.80% |
| 108 Month |
as low as 6.05% |
| 120 Month |
as low as 6.55% |
| 180 Month |
as low as 7.55% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.
Monthly payments for a 5 year new boat or motor home loan at 4.24% would be $18.53 per $1,000 borrowed.
Monthly payments for a 5 year used boat or motor home loan at 5.05% would be $18.90 per $1,000 borrowed.
Print RFMC Bicycle Loan Rates
RFMC Bicycle Loan
Loan rates and terms are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% is determined by credit score.
Monthly payments for a 1 year bicycle loan at 0.00% would be $83.34 per $1,000 borrowed.
Maximum loan is $2,000 and must be used on a bicycle or cycling apparel/products. Loan is only available to Ride For Missing Children participants.
Print Mortgage Rates
Mortgage
| Term |
Rate |
APR* |
30 Year Fixed
0.0 Points |
6.250% |
6.403% |
20 Year Fixed
0.0 Points |
6.000% |
6.198% |
15 Year Fixed
0.0 Points |
5.750% |
5.867% |
FHA 30 Year Fixed
0.0 Points |
6.250% |
7.179% |
*Annual percentage rate
Mortgages in New York State only. Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.
Print 1st Lien Home Equity Loan Rates
1st Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 4.49% |
| 6-10 Years |
as low as 5.49% |
| 11-15 Years |
as low as 5.99% |
| 16-20 Years |
as low as 6.49% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
1st Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $702.50 for a $50,000 loan or $702.50 for a $100,000 loan.
Monthly payments for 10 years at 5.49% would be $10.85 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print 2nd Lien Home Equity Loan Rates
2nd Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 5.24% |
| 6-10 Years |
as low as 5.74% |
| 11-15 Years |
as low as 6.24% |
| 16-20 Years |
as low as 6.74% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
2nd Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $702.50 for a $50,000 loan or $702.50 for a $100,000 loan.
Monthly payments for 10 years at 5.74% would be $10.98 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print Home Equity Line of Credit Rates
Home Equity Line of Credit
| Rate |
APR |
| 6 Month Introductory Rate |
as low as 2.49% for six months* |
| 12 Month Introductory Rate |
as low as 3.49% for twelve months* |
| 18 Month Introductory Rate |
as low as 4.49% for eighteen months* |
| Variable Rate |
as low as Prime Rate minus 0.25% = 8.00% |
*After 6, 12, or 18 months (whichever introductory term is chosen), the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 5/3/2023 is 8.25%. Minimum Line of Credit loan is $7,500. Rates can increase or decrease, but not to exceed 15.99% APR.
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $1,052.50 for a $50,000 loan or $1,427.50 for a $100,000 loan.
Consult a tax advisor for deductibility for interest. Homeowners insurance is required.
Print Home Improvement Loan Rates
Home Improvement Loan
| Term |
APR |
| 12 Month |
as low as 6.74% |
| 24 Month |
as low as 6.84% |
| 36 Month |
as low as 6.94% |
| 48 Month |
as low as 7.04% |
| 60 Month |
as low as 7.14% |
| 72 Month |
as low as 7.24% |
| 84 Month |
as low as 7.34% |
| 96 Month |
as low as 7.49% |
| 108 Month |
as low as 7.64% |
| 120 Month |
as low as 7.79% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home improvement loan at 6.74% would be $86.38 per $1,000 borrowed.
Loan must be used for items/services that are home improvement in nature.
Print Home Energy Loan Rates
Home Energy Loan
| Term |
APR |
| 12 Month Term |
6.00% |
Loan rates and terms are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home energy loan at 6.00% would be $86.05 per $1,000 borrowed.
Loan must be used for items/services energy-efficient in nature, and/or upfront lump sum energy costs.
Loan may not be used for recurring monthly heating/cooling expenses.
Print Health Improvement Loan Rates
Health Improvement Loan
| Term |
APR |
| 12 Month |
as low as 6.74% |
| 24 Month |
as low as 6.84% |
| 36 Month |
as low as 6.94% |
| 48 Month |
as low as 7.04% |
| 60 Month |
as low as 7.14% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year health improvement loan at 7.14% would be $19.87 per $1,000 borrowed.
Loan must be used for items/services that are medical in nature.
Print Healthy Pet Loan Rates
Healthy Pet Loan
| Term |
APR |
| 12 Month |
as low as 6.74% |
| 24 Month |
as low as 6.84% |
| 36 Month |
as low as 6.94% |
| 48 Month |
as low as 7.04% |
| 60 Month |
as low as 7.14% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year healthy pet loan at 7.14% would be $19.87 per $1,000 borrowed.
Loan must be used for items/services that are for pet medical needs in nature.
Print Holiday Loan Rates
Holiday Loan
| Term |
APR |
| 12 Months |
as low as 3.99% |
Holiday Loan is available during specific periods in November and December each year. Loan rates and terms are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year holiday loan at 3.99% would be $85.13 per $1,000 borrowed.
Loan must be used for holiday needs in nature.
Print Family Support Loan Rates
Family Support Loan
| Term |
APR |
| 12 Month |
as low as 6.74% |
| 24 Month |
as low as 6.84% |
| 36 Month |
as low as 6.94% |
| 48 Month |
as low as 7.04% |
| 60 Month |
as low as 7.14% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year family support loan at 7.14% would be $19.87 per $1,000 borrowed.
Loan must be used for bereavement needs.
Print Personal Loans Rates
Personal Loans
| Term |
APR |
| 12 Month |
as low as 7.74% |
| 24 Month |
as low as 7.74% |
| 36 Month |
as low as 7.99% |
| 48 Month |
as low as 7.99% |
| 60 Month |
as low as 7.99% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year personal loan at 7.99% would be $20.27 per $1,000 borrowed.
Print Overdraft Lines of Credit Rates
Overdraft Lines of Credit
Loan rates are subject to change without notice. Applications are subject to credit approval.
$25 minimum monthly payment.
Print Credit Cards Rates
Credit Cards
| Term |
APR |
VISA® Platinum
Non-variable |
as low as 8.90% |
VISA® Platinum Rewards Plus
Variable Rates. With CURewards® |
as low as 9.99% (Prime + 4.49%) |
Rates and terms are determined by overall credit history. Share Secured cards are offered to Members at the best Fixed Platinum card rate. Applications are subject to credit approval. Rate is subject to change annually in the September billing cycle. Prime Rate as of 9/3/22 was 5.50%. Rates can increase or decrease, but not to exceed 17.99% APR.
In accordance with the Credit Card Act of 2009, borrowers applying for a credit card under the age of 21 must either show proof of "ability to pay" or have a qualified guarantor over 21 years of age.
Full terms and disclosure.