| Loan | APR% As Low As** | |||||
|---|---|---|---|---|---|---|
| New & Used Vehicles, Trucks, Motorcycles* 2023 – 2026 |
4.74% up to 48 months
4.74% up to 60 months. 4.99% up to 72 months 5.24% up to 84 months |
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| Used Vehicles & Motorcycles* 2019 – 2022 | 5.24% up to 48 months
5.49% up to 60 months 5.99% up to 72 months (available 2021/22 only) |
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| Used Vehicles & Motorcycles* 2018 and older |
7.24% up to 36 months
7.49% up to 48 months 7.99% up to 60 months |
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| New & Used Boats, RVs, Campers* 2023 – 2026 |
6.99% up to 60 months
7.49% up to 72 months 7.99% up to 84 months 8.49% up to 96 months |
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| Used Boats, RVs, Campers* 2019 – 2022 |
7.99% up to 36 months
8.49% up to 48 months 8.99% up to 60 months |
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| Used Boats, RVs, Campers* 2018 and older |
8.99% up to 36 months
9.99% up to 48 months |
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| **Rates Effective 03/09/26. Rates are stated as annual percentage rates (APR). *Fixed APR for up to 60 months includes a 10% down payment. For a $50,000 new auto loan with a term of 60 months and 4.99% APR, the monthly payment will be $943.54. All loans are subject to approval and may vary based on creditworthiness, qualifications and collateral conditions. Rates are based on loans of $2,500 or more. Loans for less than $2,500 will be granted at Signature Rates. Rates are subject to change without notice. Please call for current rates. |
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| Loan Type | Term/Details | APR | Payments per $1,000 Borrowed |
|---|---|---|---|
| Variable Rate Home Equity Loans** | 15 Year HELOC (In-House)* | 6.75% APR | – |
| Fixed Rate Home Equity Loans** | Less than 60 Months | 5.99% APR | $19.72 |
| 61-120 Months | 6.99% APR | $12.09 | |
| More than 120 Months | 7.99% APR | $9.85 | |
| Home Improvement Loans** | Under $25,000 (No Mortgage Filed) | 10.99% APR (up to 36 months) | $32.74 |
| 11.49% APR (up to 48 months) | $26.16 | ||
| 11.99% APR (up to 60 months) | $22.26 | ||
| Over $25,000 (Mortgage Filed, Loan to Value 100%) | 9.99% APR (up to 60 months) | $21.25 | |
| 10.49% APR (up to 84 months) | $17.00 | ||
| 10.99% APR (up to 120 months) | $13.54 | ||
| Variable APR (80.1% to 100% Loan to Value)** | 10.25% APR (Floor 6.75%) | – | |
|
*Variable Rate Home Equity – Annual Percentage Rate (APR) may increase after consummation of the loan. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Rates are provided as a sampling, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available). Example of repayment of a Variable Home Equity at the stated rate and term:
**Updated 03/09/2026 |
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Signature Loans |
As low as 10.99% APR | |
Share Secured Loans |
4% APR | |
CD Secured Loans |
2% over CD Rate, minimum is 4% APR | |
| APR = Annual Percentage Rate. Rates effective as of 03/09/2026. Rates and terms vary up to 72 months. | ||
| Term | Rate | APR* | Payments/$1K financed* | |||
| 30 Year | Rates Change Daily** | Changes per Daily Rate | ||||
| 20 Year | Rates Change Daily** | Changes per Daily Rate | ||||
| 30 Year Fixed FHA | Rates Change Daily** | Changes per Daily Rate | ||||
| 30 Year Fixed VA | Rates Change Daily** | Changes per Daily Rate | ||||
| 30 Year Fixed USDA | Rates Change Daily** | Changes per Daily Rate | ||||
| 15 Year | 5.49% | 5.688% | $8.17 | |||
| 10 Year | 5.24% | 5.519% | $10.72 | |||
| 15 Year Investment | 6.49% | 6.693% | $8.71 | |||
| *APR = Annual Percentage Rate. This example uses a purchase price of $200,000, 20% down payment and a loan amount of $160,000. Payment sample amounts do not include closing costs, real estate taxes, property or flood insurance; Payment amounts vary if these are required. Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Updated 09/19/2025 **For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670 |
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| Term | Rate | APR* | Payment Example* | |||
| 10/1 – 30 years | 5.49% | 6.850% | $5.68 | |||
| 5/1 – 30 years | 5.24% | 7.561% | $5.52 | |||
| *APR = Annual Percentage Rate. This example uses a purchase price of $200,000, 20% down payment and a loan amount of $160,000. Payment sample amounts do not include closing costs, real estate taxes, property or flood insurance; Payment amounts vary if these are required. Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. The actual payment obligation may be greater. First mortgage rates are reviewed quarterly. Secondary Market Mortgage rates quoted are subject to change without notice and are known to change several times per day. Please contact the credit union for today’s rates. Updated 09/19/2025 **For complete information or rate quotes contact a Mortgage Specialist at 563-888-9670 or 563-210-2787 |
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Please call (563) 388-8328 for today’s rates.
The Family Credit Union NMLS #405476
| Term | APR* | APY* | ||||
| 3 Month | 1.00% | 1.00% | ||||
| 6 Month | 2.13% | 2.15% | ||||
| 7 Month Special | 3.94% | 4.00% | ||||
| 9 Month | 2.18% | 2.20% | ||||
| 12 Month | 2.23% | 2.25% | ||||
| 13 Month Special | 3.89% | 3.95% | ||||
| 18 Month | 2.33% | 2.35% | ||||
| 24 Month | 2.73% | 2.76% | ||||
| 36 Month | 2.82% | 2.85% | ||||
| 48 Month | 2.92% | 2.95% | ||||
| 60 Month | 2.97% | 3.00% | ||||
| *APY= Annual Percentage Yield. Rates effective as of 02/10/26. Rates are subject to change without notice. Minimum balance of $500 required to open and earn dividends. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details. | ||||||
| Tiered Accounts | Minimum Requirement* | APR* |
|---|---|---|
| Balances to earn dividends up to | $1,500 – $24,999 | .30% |
| Balances to earn dividends up to | $25,000 – $49,999 | .40% |
| Balances to earn dividends up to | $50,000 – $99,999 | .50% |
| Balances to earn dividends over | $100,000 | .55% |
| Share | Minimum Requirement* | APY* |
|---|---|---|
| Regular Shares | $100 – $2,000 | .15% |
| Regular Shares | $2,000 | .20% |
| Young Adult Account** | >$500 up to $5,000 average daily balance* | 2.50% |
| Young Adult | <$500 | .15% |
| Kirby Kangaroo Club | $1 to $4,999.99 | 2.00% |
| $5,000 to $24,999.99 | .75% | |
| Over $25,000 | .15% | |
| IRA | $100 | .20% |
| Christmas Club | $100 | .15% |
| Health Savings | .20% | |
| Thrift Shares | $100 | .15% |
| Share | *Minimum Requirements to earn dividends | APY* | ||||
|---|---|---|---|---|---|---|
| Share Draft Accounts | $2,500 | 0.05% | ||||
| Young Adult Account | $500, up to $5,000 average monthly balance | 2.50% | ||||
| *Minimum balance required to earn dividends. APY: Annual Percentage Yield. Rates accurate as of 3/2/2021 No minimum deposit required to open a regular share draft account. Young Adult Debit Account. For ages 13 up to 26. To qualify, must also be enrolled in e Statements. The Bonus dividend will paid at the beginning of each month to accounts that qualify from the proceeding month and dividends will be deposited into the share draft account. | ||||||
Home Office: 1530 W. 53rd Street, Davenport, IA 52806
Main Phone: 563-388-8328
©2026 The Family Credit Union
Federally insured by NCUA
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