Loan Rates

Interested in applying for a loan? Talk to a representative today. Call 330-929-7341 or email us at fallsccu@fallsccu.com.

Rates Effective November 4, 2024.

Vehicle Loan Rates

New and Used Auto and Motorcycle loans

TERM APR*
24 Months – as low as 4.99% APR – 5.348%
36 Months – as low as 5.04% APR – 5.382%
48 Months – as low as 5.19% APR – 5.475%
60 Months – as low as 5.24% APR – 5.379%
72 Months – as low as 5.59% APR – 5.822%
84 Months – as low as 5.99% APR – 6.213%

Mortgage Loans

RATE APR*
Home Equity Variable Rate Loans As low as Prime minus 0.25%
Second Mortgages – Fixed Rate As low as 6.50% – Term 60-84 Months
Second Mortgages – Fixed Rate As low as 7.05% – Term 85-180 Months
First Mortgage Loans Rates subject to change daily, contact a qualified loan officer for the most current interest rates

Personal Loans

TYPE/TERM APR*
Unsecured Loans 24 Months – as low as 8.95% - APR – 9.392%
Unsecured Loans 36 Months – as low as 9.95% - APR – 10.311%
Unsecured Loans 48 Months – as low as 10.95% - APR – 11.244%
Share Secured Loans 2.50% above share rate
Share Certificate Secure Loans 2.50% above certificate rate

Share Accounts

minimum deposit $25

TYPE APY**
Share/Savings 0.20% APY
Club Accounts 0.20% APY
Share Draft 0.00% APY
IRA Savings 0.20% APY

Money Market Accounts

Amount APY**
$2,000 – $19,999 1.00% APY
$20,000 – $49,999 1.25% APY
$50,000 – $99,999 1.45% APY
$100,000 and above 2.00% APY

Term Share Certificates

Minimum deposit $500

TERM APY**
3 Month 2.00% APY
6 Month 4.70% APY
12 Month 4.55% APY
24 Month 4.00% APY
36 Month 3.50% APY
48 Month 3.65% APY
60 Month 3.40% APY

IRA Certificates

TERM APY**
12 Month 4.55% APY
24 Month 4.00% APY
36 Month 3.50% APY
48 Month 3.65% APY

Rates Effective October 9th, 2023.

**APY – Annual Percentage Yield.

Minimum deposit for above accounts is $5 unless otherwise stated. Minimum balance to earn dividends for share accounts is $50 and $500 for share certificates unless otherwise stated. Fees may reduce earnings on accounts. Dividends will be forfeited if account is closed before accrued dividends have been credited. Early withdrawal penalties apply on Share Certificates. Rates are subject to change at any time and without notice.