Rates

Fort Dodge Family Credit Union utilizes Risk Based Lending. We have established five levels which are based on your credit score. We use a Trans Union scoring model to obtain credit scores. Each scoring model may score slightly different.

We know that sometimes life happens, and credit scores may have suffered. However, we are here to help you get back on track. Working together we can create a plan to improve your financial well-being while improving your credit score.

For members with no credit score, we will start you at a Level “E” and work with you to build your credit.

Auto and Recreational  
  Term APR
New 60 Months 6.35%
 
2022 – 2023* 60 Months 6.35%
2020 – 2021 60 Months 6.35%
2018 – 2019 60 Months 6.40%
2016 – 2017 48 Months 6.45%
2014 – 2015 48 Months 6.75%
2013 and Older 36 Months 7.00%
* 2023 Used more than 6,000 miles
  Personal Loan Special  
Loan Special* Term APR
$1,500.00 – $20,000 36 Months 9.00%
*Contact the Credit Union for terms and restrictions.  

  Personal Loan  
$100 – $12,00 Term APR
  36 Months 9.00%
Other terms are available
  Home Equity  
  Term APR
  10 Years 6.50%
80% of Value (Less 1st Mortgage) Appraisal Required

Certain restrictions apply. All loans subject to approval. Must be or qualify to and become a Fort Dodge Family Credit Union member to obtain a loan. APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term. Rates, terms, and conditions are subject to change at any time. All rates displayed on the breakdown are based on Level “A” scores.

Levels
A    700+
B 650 – 699
C 600 – 649
D 550 – 699
E     0 – 549

Rates

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