Share and Loan Rates

Rates Effective September 1, 2016

All rates are subject to change without prior notice and are for members only.

 

Loans

 
Vehicle Loans, including motorcycles
1-36 months

As low as 1.39% APR*

37-48 months As low as 1.59% APR*
49-60 months As low as 1.79% APR*
61-72 months As low as 2.99% APR*
73-84 months As low as 3.75% APR*

 
Recreational Vehicles                         
1-48 months As low as 4.45% APR*
49-60 months As low as 4.75% APR*
61-72 months As low as 5.00% APR*
73-84 months As low as 5.75% APR*
84-120 months As low as 6.00% APR*
 
Tractors & Farm Equipment                 
Up to 60 months As low as 2.99% APR*
 
Share Secured Loans                             
Up to 180 months As low as 3.25% APR*

 

 Credit Cards                             As low as 9.95% APR*     

 
Unsecured Loans                                    
Signature Loans As low as 7.95% APR*
Warranty Loans

6.60% APR*

 

 Insurance Loans                        6.60% APR*

   

 
Credit Builder Loans                        
Up to 12 months 18.00%  APR*
 
Mortgage & Land Loans Term LTV APR*

Conventional

10 Years

80%

90%

As low as 3.00%

As low as 3.25%

Conventional 15 Years

80%

90%

As low as 3.25%

As low as 3.50%

Conventional 20 Years

80%

90%

As low as 3.50%

As low as 3.75%

Conventional 30 Years

80%

90%

As low as 3.75%

As low as 4.00%

Manufactured Home 10 Years

80%

90%

As low as 6.25%

As low as 6.50%

Manufactured Home 15 Years

80%

90%

As low as 6.50%

As low as 6.75%

Manufactured Home

20 Years

80%

90%

As low as 6.75%

As low as 7.00%

Land

10 Years 100% As low as 5.50%

 Land                                       15 Years      100%  As low as 5.75%

 

 Construction Loans                   1 Year         80%   As low as 4.50%

Savings Products

 

Regular Savings Account                                       0.25% APY**

 - Minimum balance of $505

 

Regular Savings Account                                       0.50% APY**

 - Minimum balance of $5,000

 

Regular Savings Account                                       0.75% APY**

 - Minimum balance of $25,000

 

Regular Savings Account                                       1.01% APY**

 - Minimum balance of $50,000

 

Personal & Business Checking Accounts                   0.25% APY**

 - Minimum balance of $500

 

Rewards Checking Accounts                                   3.00% APY**

- Minimum balance of $500

- Maximum balance of $20,000

(Restrictions Apply -Must Meet Requirements, Ask for details)

 

Youth Checking Account                                         0.75% APY**

- Minimum balance of $25

- Maximum balance of $2,500

 

Holiday Club Account                                              0.75% APY**

 - Minimum balance of $30

 

Youth Account                                                       0.75% APY**

 - Minimum balance of $5

 

12 Month Certificate                                                1.01% APY**

 - Minimum balance of $1,000

 

24 Month Certificate                                                1.30% APY**

 - Minimum balance of $1,000

 

36 Month Certificate                                                1.50% APY**

 - Minimum balance of $1,000

 

48 Month Certificate                                                1.75% APY**

 - Minimum balance of $1,000

 

60 Month Certificate                                                2.00% APY**

 - Minimum balance of $1,000

 

IRA Share                                                              0.75% APY**

 - Minimum balance of $500

 

IRA Share                                                              1.01% APY**

 - Minimum balance of $50,000

 

Dividends are paid and compounded quarterly on savings accounts and monthly on checking accounts.  Dividends are based on Credit Union’s earnings at the end of the dividend period and cannot be guaranteed.

 

All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Ferguson FCU members only. A minimum deposit of $5 in a regular savings account is required for membership.  Rates are available by visiting our location or by contacting us at 601-587-4037.

 

* APR is annual percentage rate on loan products.

** APY is annual percentage yeild in savings products.

 

Federally Insured by NCUA



Online Banking Click here for Online Banking

Notice for all online banking users:

To setup a new online banking account, you will need to enter your Base Account # or Member # in the User ID field and click LOG IN.  (Please do NOT include the check digit or any sub numbers) i.e. -0-00, -6-70. For example:  If your account number is 12340-0-00, you will only use 12340 as your base account #.

At User ID Password, please enter the last 4 digits of the SSN associated with your base account number and click LOG IN.
 

CONTACT US

FERGUSON FCU
577 NA Sandifer Hwy
MONTICELLO, MS 39654

 

Hours of Operation:

Lobby:

Monday       9AM-4PM

Tuesday      9AM-4PM

Wednesday  9AM-4PM

Thursday     9AM-4PM

Friday          9AM-5PM

 

Drive Up:

Monday       8AM-4PM

Tuesday      8AM-4PM

Wednesday  9AM-4PM

Thursday     8AM-4PM

Friday          9AM-5PM

    

Local: 601.587.4037

Toll Free: 855.750.1504

Fax: 601.587.4038

Email: info@fergusonfcu.org

 

Routing Number: 265377811

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