New Auto
Rates are effective as of January 1, 2025, and subject to change based on market conditions and borrower eligibility. The actual rate is based on applicant’s credit history.* All loans are subject to credit approval. Offer based on loan term of 60 months. Fort Financial Credit Union finances up to 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 9.74% APR, with a maximum of 150,000 miles, and the minimum approved loan amount is $10,000**. Vehicles must be model year 2020 or newer. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the allowable Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers.
*We used information about you that we obtained from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The credit offered may not be extended if, after you respond to this offer, we determine that you do not meet the required collateral. Not all applicants will qualify for the lowest rate. Credit may also be declined if there is a major change to the credit report that disqualifies you, there is a major change to your income that would put you over your borrowing limits, or collateral does not match for the offer.
** This rate applies to 2020 and newer model years at 9.74% APR and is subject to change. APR = Annual Percentage Rate. A $99 application fee applies. Standard rates apply for other credit scores, determined by creditworthiness and loan terms. Additional restrictions and standard underwriting guidelines may apply. Qualified borrowers may defer their first payment for up to 45 days, though interest will begin accruing at loan disbursement. Visit a branch for more details. Payment example: $20,000 financed at 9.95% fixed APR for 60 months with $99 application fee = $423.98 monthly payments.
Used Auto
Rates are effective as of January 1, 2025, and subject to change based on market conditions and borrower eligibility. The actual rate is based on applicant’s credit history*. All loans are subject to credit approval. Offer based on loan term of 60 months. Fort Financial Credit Union finances up to 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 10.74% APR, with a maximum of 150,000 miles, and the minimum approved loan amount is $10,000.** Vehicles must be model year 2015 to 2019. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds allowable loan to value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers.
*We used information about you that we obtained from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The credit offered may not be extended if, after you respond to this offer, we determine that you do not meet the required collateral. Not all applicants will qualify for the lowest rate. Credit may also be declined if there is a major change to the credit report that disqualifies you, there is a major change to your income that would put you over your borrowing limits, or collateral does not match the offer.
** This rate applies to 2020 and new model years at 10.74% APR and is subject to change. APR = Annual Percentage Rate. A $99 application fee applies. Standard rates apply for other credit scores, determined by creditworthiness and loan terms. Additional restrictions and standard underwriting guidelines may apply. Qualified borrowers may defer their first payment for up to 45 days, though interest will begin accruing at loan disbursement. Visit a branch for more details. Payment example: $20,000 financed at 10.952% fixed APR for 60 months with $99 application fee = $434.06 monthly payments.
IMPORTANT CREDIT CARD DISCLOSURES
Visa Signature and Visa Platinum
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of January 1, 2025. You can contact us at 260.432.1561 or by writing to our corporate office, 8815 Lima Road, Fort Wayne, IN 46818 to inquire if any changes occurred since the effective date.
| INTEREST RATES and INTEREST CHARGES: | ||
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 12.24% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. Visa Signature with Rewards - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 14.90% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
|
| APR for Cash Advances |
Visa Platinum - 12.24% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. Visa Signature with Rewards - 14.40% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
|
| APR for Balance Transfers |
Visa Platinum - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 12.24% - 18.00%. This APR will vary with your credit history. This APR will vary with the market based on the Prime Rate. Visa Signature with Rewards - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 14.40% - 18.00%. This APR will vary with your credit history. This APR will vary with the market based on the Prime Rate. |
|
| Penalty APR and When it Applies | 18.00%. This APR may be applied to your account if you make a payment that is late 60 days or more. | |
| How Long Will the Penalty APR Apply? | If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments. | |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. | |
| Minimum Interest Charge | None | |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. | |
| FEES: | ||
| Fees to Open or Maintain your Account | ||
| Annual Fee: | None | |
| Transaction Fees | ||
| Balance Transfer: | 3% of the amount of each balance transfer (minimum: $10.00) for the first 12 months. After 12 months, a fee will no longer be assessed for a balance transfer. | |
| Cash Advance: | 3% of the amount of each cash advance (minimum: $10.00) | |
| Foreign Transaction: | 1% of each transaction in U.S. dollars | |
| Penalty Fees | ||
| Late Payment: | Up to $25.00 if your payment is late. | |
| Returned Payment: | Up to $25.00 if your payment is returned for any reason. | |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or visit www.optoutprescreen.com or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505; Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013.
We used information about you that we obtained from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the required collateral. Not all applicants will qualify for the lowest rate. Credit may also be declined if there is a major change to the credit report that disqualifies you, there is a major change to your income that would put you over your borrowing limits, or collateral does not match for the offer. Membership eligibility is required.