Loan Rates
Account Rates

COMPETITIVE & FLEXIBLE LOAN PRODUCTS

Foothills Credit Union is your one stop shop to finance or refinance new/used vehicles, RV’s, motorcycles, boats, real estate, and any other type of loan. Foothills Credit Union offers low rates and payments to fit any budget and personal need. To achieve the same bargaining power as a cash buyer, come to Foothills Credit Union before you shop and get pre-approved! Click on the links below for current annual percentage rates (APR) and more details. You can use our free online loan calculator to see your potential monthly payment before applying.

With low rates and easy monthly payments, you can quickly purchase or refinance a car, truck, minivan, or SUV.

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Loan TypeTermLowest RateAPR*
New Auto LoanUp to 84 Months6.24%6.27%
Used Auto LoanUp to 84 Months6.24%6.27%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of November 1st, 2024 and are subject to change.

Start riding today with a low rate loan.

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Loan TypeTermLowest RateAPR*
New Motorcycle LoanUp to 72 Months7.50 - 8.25%7.53%
Used Motorcycle LoanUp to 72 Months7.99 - 8.75%8.02%

*APR = Annual Percentage Rate. The rates listed are our best rates. The listed APR is for our lowest rate. 10% down is required for our lowest rate. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Apply online, then go off-road with ATVs or snowmobiles.
Start riding today with a low rate loan.

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Loan TypeTermLowest RateAPR*
New Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months8.50%8.53%
Used Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months9.00%9.03%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Go exploring with your new RV or motor-home.

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Loan TypeTermLowest RateAPR*
New RV LoanUp to 120 Months8.50%8.53%
Used RV LoanUp to 120 Months9.25%9.28%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Consider us for you next boat or watercraft purchase.

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Loan TypeTermLowest RateAPR*
New Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months8.50%8.53%
Used Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months9.00%9.03%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Need help hauling things, or taking the family camping? Let us help finance that new camper/trailer.

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Loan TypeTermLowest RateAPR*
New Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months8.50%8.53%
Used Other Secured Collateral (boat, atv, trailer, etc)Up to 60 Months9.00%9.03%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Find and finance your dream home, let us save you some money refinancing your home loan.

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Loan TypeTermLowest RateAPR*
90% LTV60 Month (5 Yr)6.00%6.41%
90% LTV120 Months (10 Yr)7.00%7.54%
90% LTV180 Months (15 Yr)8.00%8.40%
90% LTV240 Months (20 Yr)Not Currently OfferedNot Currently Offered

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change. These rates are only for 2nd Mortgages, please contact the credit union for 1st mortgage loan rates.

Use the equity in your home, and have flexible access to funds.

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Loan TypeLoan DetailsRatesCredit Score
Bronze (90% CLTV)Prime Rate Plus (+) .50%

Prime Rate 8.00% + .50% = 8.50%

Floor Limit = 4.75%

Credit = W.A.C.*

Silver (85% CLTV)Prime Rate

Prime Rate = 8.00%

Floor Limit = 4.75%

Credit = A or B

Gold (80% CLTV)Prime Rate

Prime Rate = 8.00%

Floor Limit = 4.75%

Credit = A

Platinum (75% CLTV)Prime Rate

Prime Rate = 8.00% - 1% = 7.00%

Floor Limit = 4.75%

Credit = A

*APR = Annual Percentage Rate. CLTV = Combined Loan to Value. W.A.C. = With Approved Credit. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change. As of September 18, 2024 prime rate is 8.00%.

Looking for finance for something not already listed, and have collateral attached to this financing? Let us help you.

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Loan TypeTermAPR*
Share Secured LoanVaries3.50%
CD Secured LoanUp to maturity of certificate2.00% above CD rate, Min. 4%
Money Market Secured LoanVaries2.00% above MM rate, Min. 4%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Overdraft Protection will cover charges beyond what you have available in Checking and help you avoid any costly overdraft fees.

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Loan TypeTermLowest RateAPR*
Overdraft ProtectionNo Term Limits 16.00%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Need a signature loan (with no collateral attached)? We can provided funding for just about anything.

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Loan TypeTermLowest RateAPR*
Signature LoanUp to 60 Months11.99%12.00%
Overdraft ProtectionNo Term Limits 16.00%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

Low, non-variable, fixed rate VISA credit cards are available.

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Loan TypeTermLowest APR*
VISA Credit CardNo Term12.99%
Share Secured Credit CardNo Term12.99%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of October 1st, 2024 and are subject to change.

COMPETITIVE & FLEXIBLE SAVINGS PRODUCTS

Foothills Credit Union has numerous was for you to save you hard earned money, and to help grow those savings. Members can pick from savings accounts, money market accounts, certificate of deposit accounts, IRA accounts, and checking with interest. All of these products pay you a dividend rate, so we pay you to keep your money at the credit union. Foothills Credit Union offers competitive rates in these products, and the credit union shops rates on a regular basis to make sure these stay competitive. Click on the links below for current annual percentage yield (APY) and more details. You can use our free online savings calculator to see your potential earning power with these accounts.

All accounts start with a Savings Account.

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Account TypeMin. Balance to Earn InterestDividend RateAPY*
Share Savings$100.10%.10%
IRA Share$100.35%.35%

*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited monthly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of September 24, 2024 and are subject to change.

No minimum balances. No monthly or yearly fees. Keep enough funds in checking and we pay you interest!

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Account TypeMin. Balance to Earn InterestDividend RateAPY*
Free CheckingN/AN/AN/A

*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of September 24, 2024 and are subject to change.

Want a better rate then savings, but don't want to lock funds in a CD? Check out a Money Market Account.

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Account TypeMinimum BalanceDividend RateAPY*
Money Market Account$1000 - $10,000.20%.20%
 $10,001 - $25,000.45%.45%
 $25,001 - $50,000.50%.50%
 $50,001 and over.55%.55%

*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of October 24, 2024 and are subject to change.

CD's are a safe place to deposit funds for a period of time, and you get paid by the credit union for this deposit.

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Account TypeMinimum BalanceDividend RateAPY*
3 Month$1,0002.72%2.75%
6 Month$1000 4.42% 4.50%
9 Month$10004.18%4.25%
12 Month$10003.94%4.00%
18 Month$10003.50%3.55%
24 Month$10003.45%3.50%
36 Month$10003.30%3.35%
48 Month$10003.06%3.10%
60 Month$10003.40%3.45%
12 Month IRA CD$10003.94%4.00%
Starter CD (12 month)**$2003.94%4.00%

**Starter CD is a 12 month term, can add additional funds at any time during the term, Max Value is $25,000

*APY = Annual Percentage Yield is based on an assumption that dividends/interest will remain in the account until maturity. Fees could reduce earnings, and a penalty is imposed if you close your CD prior to the maturity date. The penalty will be equal to 90 days of interest, and may affect principle and will reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of October 24, 2024 and are subject to change.

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