Fairport Federal Credit Union Rates

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  585.223.9151    |      585.425.7253

Loan Rates as of March 2017.



Titled Vehicles (New or Used) Term(up to) Annual Percentage Rate
2009 - 2016 60 months 1.99%
2013 - 2016 72 months 2.19%
2001 - 2008 48 months2.59%
Vehicle Secured Loans (2009 or newer)
Minimum of $1,000 Maximum of $25,000 60 months 1.99%
Classic / Antique Vehicles
Maximum Amount: $30,000 60 months3.99%
Motorcycles
2006 - 2016 Up to 60 months 2.89%
2000 - 2005 48 months 3.59%
Home Improvement
Maximum Amount: $20,000 60 months5.35%
Personal / Smile Saver
Maximum Amount: $10,000 36 months 6.99%
Maximum Amount: $10,000 48 months 7.49%
Debt Consolidation
Maximum Amount: $10,000 48 months 9.99%
Certificate Secured
Corresponding CD rate plus 3.00%
Line of Credit / Overdraft Protection
Max. Line: $5,000 / Min. Line: $200 12.9%
Motor Homes (Class A)
Maximum amount: $50,000 1 - 5 years 4.99%
Maximum amount: $50,000 6 - 7 years 5.69%
Maximum amount: $50,000 8 - 10 years 5.99%
Campers & Boats: 1997 or newer
Maximum Amount: $30,000 1 to 5 years4.99%
Maximum Amount: $30,000 6 to 7 years 5.69%
Maximum Amount: $30,000 8 to 10 years5.99%
ATVs, Lawn & Garden Equipment, Tractors, & Utility Trailer
Maximum Amount: $10,000 48 Months 5.99%
Home Equity Products Information available upon request


Home Equity products as of November 1, 2016 Annual Percentage Rate*
Fixed Rate Equity Loan*
up to 60 Months $20,000-$100,0003.25%
up to 84 Months $5,000-$100,0003.99%
up to 120 Months $5,000-$100,0004.19%
up to 180 months. $5,000–$100,0004.49%
Home Equity Preferred (Type 68)** Current Prime Rate -.30%
Credit Lines: $10,000–$250,000 85% loan to value ratio

*: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. **:Must meet individual product requirements. Call for additional information and requirements on individual loan types.



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 you loan request:


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 ot change. Rules subject ot change.