
Rates
Our highest priority is helping our Members reach their goals to achieve financial success and freedom. Whether through competitive, low rates on lending products or deposit accounts that help our Members earn while they save, we’re dedicated to helping Members just like you be financially successful.
Select which rates you’d like to view from the links below:
Lending Rates
Quick Links:
- Apply for a loan online
- Inquire about Membership online
- Call us at 800-807-0766
- Visit a convenient, local financial center
Lending Rates
APR = Annual Percentage Rate
Mortgages – Fixed Rate
Conventional Fixed | Interest Rates | APR |
|---|---|---|
30 Yr Conforming | As low as 7.375% | As low as 7.629% |
20 Yr Conforming | As low as 7.125% | As low as 7.449% |
15 Yr Conforming | As low as 6.750% | As low as 7.146% |
10 Yr Conforming | As low as 6.625% | As low as 7.176% |
Term loan: For a $200,000 amount, and term of 360 months with a rate of 6.50% and APR of 6.741%, the monthly payment would be $1234.21. Payment example does not include any applicable taxes or insurance premiums. Rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Other options available at higher rates. Applicants who do not qualify for these rates and/or terms may be offered credit at a higher rate and/or different terms. Rates quoted above require a 1.00% loan origination fee. Mortgage insurance required if loan to value exceeds 80%. Hazard insurance required on all loans secured by real property. Flood insurance may be required. No prepayment penalties.
Lot Loans
Lot Loans | Interest Rates | APR |
|---|---|---|
10-Year Fixed Rate | As low as 7.00% | As low as 7.518% |
Payment Example: 120 monthly payments of $11.61 per $1,000 borrowed. Approval based on credit history, loan amount to property value ratio, and other factors. Rates are subject to change at any time. Please speak with a First Flight representative for full details.
Home Equity
Product | Interest Rate/APR | LTV | Term | Closing Costs |
|---|---|---|---|---|
Fixed Equity Loan | As low as 6.25%/6.48% | Up to 90% | 12 years | No closing costs |
Equity Access (HELOC) | As low as 7.00%/7.75% | Up to 90% | 10 years | No closing costs |
Personal Loans
Product | Interest Rate | APR |
|---|---|---|
Credit Builder* | 11.00% | 12.76% |
Fast Funds** | 10.5% | 10.75% |
Personal Loan*** | As low as 11.75% | As low as 12.44% |
Advanced Personal Loan**** | 25.00% | 25.00% |
**Rates subject to change after line of credit is opened. First Flight reserves the right to close lines of credit.
***Membership eligibility required. Must be a Member for at least 90 days and account in good standing. Terms and Conditions apply. Speak with a First Flight representative for full offer details. Federally Insured by the NCUA. Equal Housing Lender.
****Membership eligibility required. Must be a Member for at least 90 days, with qualifying direct deposit within 61 days, and account in good standing. Terms and Conditions apply. First Flight Federal Credit Union reserves the right to end or change advance loans at any time. Minimum loan amount of $200 and maximum loan amount of $2,000 based on member’s direct deposits over 61 days period before application. APR (Annual Percentage Rate) will be 25% for all loans, and all applications carry a $20 application fee. Terms up to 12 months based on amount of loan. Credit report is not pulled at time of application, but loan payment and payoff information is reported to applicable credit agencies. Payments auto-debited from your First Flight Checking account. Payment and payoff activity can impact borrower’s credit score. Speak with a First Flight representative for full offer details. Federally Insured by the NCUA. Equal Housing Lender.
Vehicle Loans
Automobiles | Interest Rate | APR |
|---|---|---|
New Autos | As low as 4.10% | As low as 4.26% |
Used Autos | As low as 4.60% | As low as 4.77% |
Motorcycles | Interest Rate | APR |
|---|---|---|
New Motorcycle | As low as 4.94% | As low as 5.06% |
Used Motorcycle | As low as 5.19% | As low as 5.31% |
Boats | Interest Rate | APR |
|---|---|---|
New Boat | As low as 6.24% | As low as 6.33% |
Used Boat | As low as 6.74% | As low as 6.84% |
RVs | Interest Rate | APR |
|---|---|---|
New RVs | As low as 7.99% | As low as 8.08% |
Used RVs | As low as 8.49% | As low as 8.61% |
Lowest rates offered for the products advertised based on $30,000 financed with a 84-month term and loan to value ≤ 80%. Example: 84 monthly payments of $15.33 per $1,000 borrowed. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Maximum vehicle age 20 years. Maximum loan to value 90%. Terms available up to 180 months.
Manufactured Homes
Product | Interest Rate | APR |
|---|---|---|
Manufactured Homes | As low as 7.50% | As low as 7.94% |
Deposit Rates
APY = Annual Percentage Yields
Savings Accounts
Amount | Dividend Rate | APY |
|---|---|---|
Up to $24.99 | 0% | 0% |
$25.00 – $9,999.99 | 0.05% | 0.05% |
$10,000.00 and above | 0.10% | 0.10% |
Young Savers
Minimum Balance | Dividend Rate | APY |
|---|---|---|
$25 | 0.10% | 0.10% |
Rates and fees may change after account opening.
Goal Savers
Minimum Deposit to Open | Dividend Rate | APY |
|---|---|---|
$25 | 0.25% | 0.25% |
Personal Checking Accounts
Product | Dividend Rate | APY |
|---|---|---|
Everyday Checking | 0.00% | 0.00% |
Prestige Checking | 0.10% | 0.10% |
Prestige Money Market Accounts
Amount | Dividend Rate | APY |
|---|---|---|
Up to $49,999.99 | 3.75% | 3.82% |
$50,000.00 and above | 1.50% | 1.51% |
Standard Personal Money Market Accounts
Amount | Dividend Rate | APY |
|---|---|---|
Up to $9,999.99 | 1.00% | 1.01% |
$10,000.00 – $49,999.99 | 1.25% | 1.26% |
$50,000.00 and above | 1.50% | 1.51% |
IRA Share Products
Product | Dividend Rate | APY |
|---|---|---|
IRA Shares | 0.10% | 0.10% |
Roth Conv | 0.10% | 0.10% |
Roth Regular | 0.10% | 0.10% |
Educational Shares | 0.10% | 0.10% |
Early withdrawal penalties may apply and reduce earnings. Minimum deposit to earn stated dividends is $100.
Traditional IRA Certificates
Term | Dividend Rate | APY |
|---|---|---|
12 Months | 3.70% | 3.76% |
18 Months | 3.70% | 3.76% |
24 Months | 3.70% | 3.76% |
36 Months | 3.40% | 3.45% |
48 Months | 3.15% | 3.20% |
60 Months | 3.15% | 3.20% |
Term | Dividend Rate | APY |
|---|---|---|
12 Months | 3.80% | 3.87% |
18 Months | 3.80% | 3.87% |
24 Months | 3.80% | 3.87% |
36 Months | 3.50% | 3.56% |
48 Months | 3.25% | 3.30% |
60 Months | 3.25% | 3.30% |
Quick Links:
- Call us at 800-807-0766
- Visit a convenient, local financial center
- View all lending and deposit rates
- Call us at 800-807-0766
- Visit a convenient, local financial center
- View all lending and deposit rates








