Our branches will be closed on Monday, January 20 in observance of Martin Luther King Jr. Day. All Fort Financial branches will reopen for normal business hours on Tuesday, January 21. As a reminder, you can always access your account 24/7 with online and mobile banking. For a complete list of our observed holidays, click here.

Fort Financial Credit Union
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Rates

Online Access

Personal Rates

Deposit Rates

Savings Accounts Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Prime Savings* 0.05% 0.05% $50
Special Savings 0.05% 0.05% $50
Christmas Club 0.05% 0.05% $50
Vacation Club 0.05% 0.05% $50
*$5 minimum opening deposit required

Health Savings Account Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAPY*Dividend RateMinimum to Earn Dividends
HSA Savings 0.05% 0.05% $50
HSA Checking Tiered Rates 0.25% 0.25% $1 - $4,999.99
  1.00% 1.00% $5,000 - $9,999.99
  1.11% 1.10% $10,000+

Money Market Accounts
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Tiered Rates 0.05% 0.05% $2,500 - $9,999.99
  0.15% 0.15% $10,000 - $24,999.99
  0.20% 0.20% $25,000 - $49,999.00
  1.00% 1.00% $50,000 - $99,999.99
  1.25% 1.24% $100,000+

IRA Share Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Coverdell ESA 0.50% 0.50% $1
Traditional 0.50% 0.50% $1
Roth 0.50% 0.50% $1
*$1 minimum opening deposit required

Certificate Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
90-Day Certificate 0.80% | 0.80% 0.55% | 0.55% $500
6-Month Certificate 0.85% | 0.85% 0.60% | 0.60% $500
9-Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500
12-Month Certificate 4.25% | 4.17% 4.00% | 3.93% $500
18-Month Certificate 3.50% | 3.44% 3.25% | 3.20% $500
24-Month Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month Certificate 3.25% | 3.20% 3.00% | 2.96% $500
36-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500

Traditional, Roth & Coverdell Certificates Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Traditional, Roth &
Coverdell Certificates		Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
12-Month IRA/ESA Certificate 4.50% | 4.41% 4.25% | 4.17% $500
18-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20% $500
24-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month IRA/ESA Certificate 3.25% | 3.20% 3.00% | 3.20% $500
36-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500

Checking Accounts
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Interest Checking 0.10% 0.10% $500
HSA Checking Tiered Rates 0.25% 0.25% $0 - $4,999.99
  1.00% 1.00% $5,000 - $9,999.99
  1.11% 1.10% $10,000+

Credit Card Rates

Credit Cards Rates
Effective Date: Monday, January 20th, 2025
NameAnnual Percentage Rate (APR)
Visa Platinum As low as 12.24% (Prime + 4.74)*
Visa Signature As low as 14.40% (Prime + 6.90)*
*Rates are based on credit score. Your rate may be higher.

Loan Rates

Personal Loan Rates
Effective Date: Monday, January 20th, 2025
Subject to change.
intentionally empty table headerConsumer Secured Loans (Autos, Boats, RVs, Motorcycles, Tractors, etc.)Signature LoansShare/Certificate Secured LoanCredit Builder Plus LoanOpen End Line of Credit
Amount $5,000 minimum $1,500 minimum $1,000 minimum $1,000 - $5,000 $500 - $8,000
Annual Percentage Rate (APR) As low as 5.49%* As low as 11.99%* 2% over share or certificate rate 8.00% 11.90%
*Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.

Home Loan Rates

Home Equity Rates
Effective Date: Monday, January 20th, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
intentionally empty table headerHome Equity LoanHome Equity Visa Line of Credit*
Amount $5,000 minimum $5,000 minimum
Annual Percentage Rate (APR) As low as 6.74% APR Prime rate + 0% variable rate with 5.99% floor
Early Closure Fee   Fee charged equal to closing fees if closed in the first two years
*Interest rate is adjusted annually.

Mortgage Rates (Fixed)
Effective Date: Monday, January 20th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Fixed Rate Loans
Conforming and Government		RateAnnual Percentage Rate (APR)
30-Year Fixed 7.000% 7.197%
20-Year Fixed 6.625% 6.878%
15-Year Fixed 6.375% 6.689%
30-Year USDA 7.250% 8.043%
Home Ready 7.250% 7.450%
1-Time Construction (Other) 7.000% 7.198%
30-Year FHA 7.125% 8.216%
30-Year VA 7.125% 7.482%
Lot loans - Please contact our morgtage department for rates    

Mortgage Rates (Adjustable)
Effective Date: Monday, January 20th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Adjustable-Rate MortgagesMortgage RateAnnual Percentage Rate (APR)
30-Year 1/1 ARM 6.250% 6.439%
15-Year 1/1 ARM 6.000% 6.311%
30-Year 3/1 ARM 6.375% 6.689%
15-Year 3/1 ARM 6.125% 6.185%
30-Year 5/1 ARM 6.500% 6.815%
15-Year 5/1 ARM 6.250% 6.311%
30-Year 5/5 ARM 6.625% 6.941%
15-Year 5/5 ARM 6.375% 6.689%
30-Year 7/1 ARM 6.750% 6.944%
15-Year 7/1 ARM 6.500% 6.815%

Business Rates

Deposit Rates

Savings Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Dividends
Business Savings* 0.05% 0.05% $50
Business Money Market Accounts** Tiered Rates      
  0.05% 0.05% $100 - $9,999.99
  0.15% 0.15% $10,000 - $24,999.99
  0.25% 0.25% $25,000 - $49,999.99
  0.35% 0.35% $50,000 - $99,999.99
  3.00% 2.96% $100,000+
*$5 minimum opening deposit required
**$100 minimum opening deposit

Certificate Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY)Dividend RateMinimum Balance
12-Month Business Certificate 4.00% 3.93% $500
18-Month Business Certificate 3.25% 3.20% $500
24-Month Business Certificate 3.25% 3.20% $500
30-Month Business Certificate 3.00% 2.96% $500
36-Month Business Certificate 2.75% 2.72% $500
48-Month Business Certificate 2.75% 2.72% $500
60-Month Business Certificate 2.75% 2.72% $500

Checking Rates
Effective Date: Monday, January 20th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Business Checking* 0.15% 0.15% $10,000
Non-Profit Checking* Tiered Rates
  0.15% 0.15% $5,000 - $24,999.99
  0.25% 0.25% $25,000 - $49,999.99
  0.35% 0.35% $50,000 - $99,999.99
  3.00% 2.96% $100,000+
*$100 minimum opening deposit