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Loan Rates as of May 2014

Titled Vehicles (New or Used)
Term (up to)
2007 - 2014 66 Months 2.10%
2011 - 2014 72 Months 2.29%
2000 - 2006 48 Months 2.59%
Classic/ Antique Vehicles 60 Months (up to 1996) 3.99%
Maximum Amount: $30,000    
Motorcycles 60 Months (2004-2014) 2.89%
Maximum Amount: $25,000 48 Months (2000-2003) 3.59%
Home Improvement 60 Months 5.35%
Maximum Amount: $20,000 84 Months 5.99%
Personal/Smile Saver 36 Months 6.99%
Maximum Amount: $10,000 48 Months 7.49%
Debt Consolidation 48 Months ($10,000 max) 9.99%
Certificate Secured Corresponding CD rate plus 3.00%
Line of Credit/Overdraft Protection -- 12.90%
Max. Line: $5,000 / Min. Line: $200    
Campers & Boats: 1997 or newer 1 to 5 Years 4.99%
Maximum Amount: $30,000.00 6 to 7 Years 5.69%
  8 to 10 Years 5.99%
ATVs, Lawn & Garden Equipment, Tractors, & Utitlity Trailer
Maximum Amount: $10,000.00 48 Months 5.99%
Vehicle Secured Refer to Auto Loan Rates  
Home Equity Products Information available uoon request
Home Equity Products as of December 13, 2013
Fixed Rate Equity Loan*
* NO CLOSING COSTS FOR ANY LOAN AMOUNT if loan is open for minimum of
36 months. Pro-rated closing costs due
for loan pay-off prior to 36 months.
up to 60 Months

up to 84 Months

up to 120 Months

up to 180 Months



Home Equity Preferred (Type 68)* Current Prime Rate
Credit Lines: $10,000 - $250,000 85% loan to value ratio
Call for additional information and requirements on individual loan types
*Must meet individual product requirements

Simple Paperwork:
The application process is fast and easy. Whether you apply online, by mail, fax or in person, we will, in most cases be able to give you a decision within 24 hours. Save time by having your loan preapproved. Once you have made your decision, the loan can be ready for you that same day. For your convenience, we can arrange to have your payments made automatically from your Fairport FCU savings or checking account.

The following items may be required to complete your loan request:
- Completed and Signed Credit Application
- Income Verification
- Auto Dealer Purchase Agreement
- Used Vehicle Purchase Agreement (Supplied by Credit Union)
- New York State Odometer Verification ( Supplied by Credit Union)
- Name and Address of Auto Insurance Company/Agent

Payment Protection Options:
Fairport Federal Credit Union Payment Protection is low cost Life and Disability coverage that protects families in the event of a death or disability. In the event of a death, Life coverage will pay the insurable loan balance in full. With Disability coverage, members will have the peace of mind knowing monthly payments will be paid, after the first 30 days when a disability occurs.

Rates stated as Annual Percentage Rate.
Rates subject to change.
Rules subject to change.
* Must meet individual product requirements

Your savings is federally insured up to $250,000 NCUA (National Credit Union Administration) a US government agency.
Equal Housing Lender
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