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Franklin Mint Federal Credit Union
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Rates

One of the benefits of an FMFCU membership is better savings and loan rates. Our credit union has no shareholders eagerly splitting our profits among themselves. Instead, profits are passed on to our members through higher savings rates and lower loan rates. Whether looking to open a retirement account or needing a loan for a new car or new home, FMFCU offers attractive rates.

 

All rates are subject to change without notice. To ensure you are viewing the most recent rates, please refresh your browser.

 

 

 

    Savings Rates Effective February 1, 2023

  • Business Dividend Rates

    View All Rates Here

  • Certificate Rates
    CERTIFICATE TERM*MINIMUM BALANCE*DIVIDEND RATEANNUAL PERCENTAGE YIELD
    3 MONTH$5000.65%0.65%
    6 MONTH$5001.49%1.50%
    9 MONTH$5002.47%2.50%
    12 MONTH$5003.68%3.75%
    18 MONTH$5004.07%4.15%
    24 MONTH BUMP$5003.87%3.95%
    24 MONTH$5004.11%4.20%
    36 MONTH$5004.40%4.50%
    48 MONTH$5003.92%4.00%
    60 MONTH$5003.92%4.00%
    **60 MONTH TAKE CONTROL$5002.47%2.50%

     

    *Minimum deposit is $500 for consumers and $1,000 for business/organizational certificates. For members under the age of 18, the minimum is $250. All Certificate Terms Available for IRA Investments. Penalty may be imposed for early withdrawal. Fees and other conditions could reduce earnings.

    **No longer offered as of 2/1/2023

  • Club Account Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    HOLIDAY CLUBN/A0.10%0.10%
    HOLIDAY-E-CLUB$0 - $2,5000.99%1.00%
    $2,500 & OVER0.10%0.10%
    VACATION CLUBN/A0.10%0.10%
    VACATION-E-CLUB$0 - $2,5000.99%1.00%
    $2,500 & OVER0.10%0.10%

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Cub Account Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    CUB ACCOUNT$0 - $5001.98%2.00%
    $500.01 & OVER0.10%0.10%

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Individual Retirement Account (IRA) Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    TRADITIONAL$50.30%0.30%
    ROTH CONVERSION$50.30%0.30%
    ROTH CONTRIBUTION$50.30%0.30%
    COVERDELL$50.30%0.30%

     

    All Certificate Terms Available for IRA Investments.

     

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Money Market Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    MONEY MARKET$0 - $9,9990.40%0.40%
    $10,000 - $24,9990.50%0.50%
    $25,000 - $49,9990.60%0.60%
    $50,000 - $99,9990.69%0.70%
    $100,000 - $499,9990.79%0.80%
    $500,000 & OVER0.99%1.00%

    +Rates subject to change.

  • Performance Checking Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    PERFORMANCE CHECKING$0 - $9,9990.10%0.10%
    $10,000 - $24,9990.10%0.10%
    $25,000 - $49,9990.15%0.15%
    $50,000 & OVER0.20%0.20%

     

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Statement Savings Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    STATEMENT SAVINGSN/A0.10%0.10%

     

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Super Saver Savings Rates
    VARIABLE RATE ACCOUNTS+MINIMUM BALANCEDIVIDEND RATEANNUAL PERCENTAGE YIELD
    SUPER SAVER SAVINGS$0 - $5000.99%1.00%
    $500.01 & OVER0.10%0.10%

     

    +Rates may change after account is opened. Fees and other conditions could reduce earnings.

  • Loan Rates

  • Vehicle Loan Rates

    NEW AND USED AUTO LOANS

    FMFCU finances new and used vehicles and we do it well. We also do refinances from other banks and credit unions everyday! So ask us about your needs and we’ll help you get into the vehicle you want.

     

    Auto Loans – 2020-2023 MODEL YEAR

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-72 MONTHS5.49%$16.34Apply Now
    73-84 MONTHS6.24%$14.73Apply Now

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Auto Loans – 2018-2019 MODEL YEAR

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-72 MONTHS6.74%$16.93Apply Now

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Auto Loans – 2015-2017 MODEL YEAR

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-60 MONTHS7.74%$20.16Apply Now

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Auto Loans – 2013-2014 MODEL YEAR*

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000**APPLY ONLINE
    1-54 MONTHS8.74%$22.47Apply Now

    *2013-2014 Maximum term 54 months. **payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.


    RECREATIONAL VEHICLE LOANS

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-60 MONTHS7.49%$20.04Apply Online
    61-120 MONTHS7.49%$11.87Apply Online
    121-144 MONTHS7.99%$10.82Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.


    MOTORCYCLE LOANS

    Model Years: 2020 – 2023

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-72 MONTHS6.49%$16.81Apply Online
    73-84 MONTHS7.24%$15.21Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Model Years: 2018 – 2019

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-72 MONTHS7.74%$17.41Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Model Years: 2015 – 2017

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-60 MONTHS8.74%$20.63Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Model Years: 2013 – 2014

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    1-54 MONTHS9.74%$22.94Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    The Credit Union has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower’s credit history. The loan rate applicable to you may vary from the rates quoted. Rates, terms, policies, and promotions are subject to change without notice. All rates printed are ANNUAL PERCENTAGE RATES (APR). Advertised rates apply to Tier 1.

  • Home Loan Rates

    Home Equity FLEX Line of Credit Rates*

    ANNUAL PERCENTAGE VARIABLE RATELOAN TO VALUE %AmountAPPLY ONLINE
    6.99%Up to 80% LTV$50,000+*Apply Online
    7.99%Up to 80% LTV$10-$49,999*Apply Online
    8.49%81% to 90% LTV$10-$200,000Apply Online
    *intro rate for first 6 months - 1.99%

     

    *1.99% Annual Percentage Rate (APR) accurate as of 3/1/22 is fixed for six calendar months after account opening and available for Tier 1 and Tier 2 borrowers up to 80% Loan-To-Value (LTV). Thereafter, APR adjusts in accordance with variable rate terms of credit agreement. Interest rates based on highest Prime Rate published in The Wall Street Journal in effect on the last day of the month plus the margin. The margin is based on LTV, line requested, and member credit history. Floor for all HELOCs is 2.99%, ceiling is 18%. Title insurance required on home equity loans/lines over $500,000. Owner occupancy and homeowners insurance required. When draw period ends, repayment terms are up to 15 years on remaining balance. Offer valid on new FMFCU credit lines only. Subject to credit approval. Membership eligibility applies. NMLS# 403573.

     

    Home Equity Loan Rates (up to 80% Loan to Value)

    TERMANNUAL PERCENTAGE RATEPAYMENT PER $1,000*APPLY ONLINE
    LOAN AMOUNTS $100K+
    1-60 MONTHS6.99%$19.80Apply Online
    61-120 MONTHS6.99%$11.61Apply Online
    121-180 MONTHS7.24%$9.13Apply Online
    181-240 MONTHS8.74%$8.84Apply Online
    LOAN AMOUNTS $50k-99,999
    1-60 MONTHS6.99%$19.80Apply Online
    61-120 MONTHS6.99%$11.61Apply Online
    121-180 MONTHS7.49%$9.27Apply Online
    181-240 MONTHS8.99%$9.00Apply Online
    LOAN AMOUNTS $5K-49,999
    1-60 MONTHS7.99%$20.28Apply Online
    61-120 MONTHS7.99%$12.13Apply Online
    121-180 MONTHS8.24%$9.70Apply Online
    181-240 MONTHS9.74%$9.49Apply Online

     

    The Credit Union has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower’s credit history. The loan rate applicable to you may vary from the rates quoted. Rates, terms, policies, and promotions are subject to change without notice. All rates printed are ANNUAL PERCENTAGE RATES (APR). Advertised rates apply to Tier 1.

  • Mortgage Rates

    Last Updated: 2/3/23

    Fixed Rate Mortgages*

    TermRateAPRPointsExample Monthly Payment below is for $200,000 Loan Amount
    30-Year Fixed Rate5.750%5.816%0.00$1,167.15
    20-Year Fixed Rate5.500%5.587%0.00$1,375.77
    15-Year Fixed Rate5.250%5.359%0.00$1,607.76

     

    *Available for 1-4 unit owner-occupied dwellings in an amount up to $647,200. APR based on a $200,000 loan amount and a 60% loan to value. Hazard insurance and title insurance are required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater in most cases. Loans are subject to credit approval. Actual interest rate is based on FICO score and other determining factors.

    Apply with a Mortgage Officer


    Adjustable Rate Mortgages – 5 Year / 6 Month ARM*

    RatePointsAPR+Example Monthly Payment below is for $200,000 Loan Amount
    4.500%0.0006.202%$1,013.37

     

    +Annual Percentage Rate. Rates subject to change.

     

    Number of PaymentsEstimate Interest RateExample Monthly Payment below is for $200,000 Loan Amount
    604.500%$1,013.37
    66.500%$1,231.01
    2937.060%$1,294.67
    17.060%$1,298.69

     

    The above monthly payments are based on a loan amount of $200,000 with an initial interest rate of 4.500% (6.202% APR) for 60 months and 0.0 points. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

     

    Maximum rate and payment adjustments

     

    After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 6.500%, with a maximum first payment of $1,231.01. The maximum lifetime rate will never be more than 9.500% with an estimated maximum monthly payment of $1,294.67.

     

    Your results are based on the purchase of a home in ZIP code 19317 with an estimated purchase price of $250,000.00 and an estimated down payment of $50,000.00.

     

    Current index rate: Secured Overnight Financing Rate 30 day average4.31%
    Margin2.75%
    Rate adjustment frequencyEvery six months
    First adjusted interest rate cap2.00%
    Subsequent semi-annual adjusted interest rate cap1.00%
    Lifetime rate cap5.00%

     

    *The introductory APR will be determined at the time of loan approval based on your FICO score and other determining factors. The APR is subject to change after consummation and may change semi-annually after the first 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate (SOFR) with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 5 years. Conforming loans are up to $726,200. Rates can be locked for 60 days.

    Apply with a Mortgage Officer

  • Personal Loans and Personal Line of Credit Rates

    The Credit Union has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower’s credit history. The loan rate applicable to you may vary from the rates quoted. Rates, terms, policies, and promotions are subject to change without notice. All rates printed are ANNUAL PERCENTAGE RATES (APR). Advertised rates apply to Tier 1.

     

    Personal Loan Rates

    ANNUAL PERCENTAGE RATEPAYMENT PER $1,000APPLY ONLINE
    61-72 mos. $20,000 or more9.49%$18.28Apply Online
    1-60 mos. $10,000 - $50,0008.99%$20.76Apply Online
    1-60 mos. $100 - $9,9999.99%$21.25Apply Online

    *payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

     

    Overdraft/Personal Line of Credit*

    ANNUAL PERCENTAGE VARIABLE RATEAPPLY ONLINE
    11.65%Apply Now
    *intro rate for first 6 months - 2.99%

     

    **2.99% Annual Percentage Rate (APR) is accurate as of 8/1/21, fixed for six calendar months after account opening and available for Tier 1 borrowers. Thereafter, APR adjusts in accordance with variable rate terms of credit agreement. Interest rates are based on highest Prime Rate published in the Wall Street Journal in effect on the last day of the month plus the margin. Offer valid on new FMFCU credit lines only. Subject to credit approval. Membership eligibility applies.

 

 

Routing Number
231382306

Member Service Center
610-325-5100 (Local)
800-220-3193 (Outside PA)

Corporate Office
5 Hillman Drive, Suite 100
Chadds Ford, PA 19317-9998

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