Current Rates
COMPETITIVE & FLEXIBLE LOAN PRODUCTS
Foothills Credit Union is your one stop shop to finance or refinance new/used vehicles, RV’s, motorcycles, boats, real estate, and any other type of loan. Foothills Credit Union offers low rates and payments to fit any budget and personal need. To achieve the same bargaining power as a cash buyer, come to Foothills Credit Union before you shop and get pre-approved! Click on the links below for current annual percentage rates (APR) and more details. You can use our free online loan calculator to see your potential monthly payment before applying.
Auto Loan Rates
With low rates and easy monthly payments, you can quickly purchase or refinance a car, truck, minivan, or SUV.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| New Auto Loan | Up to 84 Months | 6.99% | 7.01% |
| Used Auto Loan | Up to 84 Months | 6.99% | 7.01% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Motorcycle Loan Rates
Start riding today with a low rate loan.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| New Motorcycle Loan | Up to 72 Months | 7.50 - 8.25% | 7.53% |
| Used Motorcycle Loan | Up to 72 Months | 7.99 - 8.75% | 8.02% |
*APR = Annual Percentage Rate. The rates listed are our best rates. The listed APR is for our lowest rate. 10% down is required for our lowest rate. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
ATV Loan Rates
Apply online, then go off-road with ATVs or snowmobiles.
Start riding today with a low rate loan.
| Loan Type | Term | Lowest Rate | APR* |
| New Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 8.50% | 8.53% |
| Used Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 9.00% | 9.03% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
RV Loan Rates
Go exploring with your new RV or motor-home.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| New RV Loan | Up to 120 Months | 8.50% | 8.53% |
| Used RV Loan | Up to 120 Months | 9.25% | 9.28% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Boat Loan Rates
Consider us for you next boat or watercraft purchase.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| New Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 8.50% | 8.53% |
| Used Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 9.00% | 9.03% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Camper/Trailer Loan Rates
Need help hauling things, or taking the family camping? Let us help finance that new camper/trailer.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| New Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 8.50% | 8.53% |
| Used Other Secured Collateral (boat, atv, trailer, etc) | Up to 60 Months | 9.00% | 9.03% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Mortgage Loan Rates
Find and finance your dream home, let us save you some money refinancing your home loan.
More Info View rates| Loan Type | Term | Lowest Rate | APR* |
| 90% LTV | 60 Month (5 Yr) | 6.00% | 6.41% |
| 90% LTV | 120 Months (10 Yr) | 7.25% | 7.47% |
| 90% LTV | 180 Months (15 Yr) | 8.25% | 8.41% |
| 90% LTV | 240 Months (20 Yr) | Not Currently Offered | Not Currently Offered |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change. These rates are only for 2nd Mortgages, please contact the credit union for 1st mortgage loan rates.
Home Equity Line of Credit (HELOC) Loan
Use the equity in your home, and have flexible access to funds.
More Info View rates| Loan Type | Loan Details | Rates | Credit Score |
| Bronze (90% CLTV) | Prime Rate Plus (+) .50% | Prime Rate 8.50% + .50% = 9.00% Floor Limit = 4.75% | Credit = W.A.C.* |
| Silver (85% CLTV) | Prime Rate | Prime Rate = 8.50% Floor Limit = 4.75% | Credit = A or B |
| Gold (80% CLTV) | Prime Rate | Prime Rate = 8.50% Floor Limit = 4.75% | Credit = A |
| Platinum (75% CLTV) | Prime Rate | Prime Rate = 8.50% - 1% = 7.50% Floor Limit = 4.75% | Credit = A |
*APR = Annual Percentage Rate. CLTV = Combined Loan to Value. W.A.C. = With Approved Credit. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change. As of July 27, 2023 prime rate is 8.50%.
Other Secured Loan Rates
Looking for finance for something not already listed, and have collateral attached to this financing? Let us help you.
Apply Now View rates| Loan Type | Term | APR* |
| Share Secured Loan | Varies | 3.50% |
| CD Secured Loan | Up to maturity of certificate | 2.00% above CD rate, Min. 4% |
| Money Market Secured Loan | Varies | 2.00% above MM rate, Min. 4% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Overdraft Protection
Overdraft Protection will cover charges beyond what you have available in Checking and help you avoid any costly overdraft fees.
More Info View rates| Loan Type | Term | Lowest Rate | APR* |
| Overdraft Protection | No Term Limits | 16.00% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Personal Loan Rates
Need a signature loan (with no collateral attached)? We can provided funding for just about anything.
Apply Now View rates| Loan Type | Term | Lowest Rate | APR* |
| Signature Loan | Up to 60 Months | 11.99% | 12.00% |
| Overdraft Protection | No Term Limits | 16.00% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
Credit Card Loan Rates
Low, non-variable, fixed rate VISA credit cards are available.
Apply Now View rates| Loan Type | Term | Lowest APR* |
| VISA Credit Card | No Term | 12.99% |
| Share Secured Credit Card | No Term | 12.99% |
*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of February 1, 2024 and are subject to change.
COMPETITIVE & FLEXIBLE SAVINGS PRODUCTS
Foothills Credit Union has numerous was for you to save you hard earned money, and to help grow those savings. Members can pick from savings accounts, money market accounts, certificate of deposit accounts, IRA accounts, and checking with interest. All of these products pay you a dividend rate, so we pay you to keep your money at the credit union. Foothills Credit Union offers competitive rates in these products, and the credit union shops rates on a regular basis to make sure these stay competitive. Click on the links below for current annual percentage yield (APY) and more details. You can use our free online savings calculator to see your potential earning power with these accounts.
Savings Account Rates
All accounts start with a Savings Account.
View rates| Account Type | Min. Balance to Earn Interest | Dividend Rate | APY* |
| Share Savings | $100 | .10% | .10% |
| IRA Share | $100 | .35% | .35% |
*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited monthly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of September 26, 2023 and are subject to change.
Checking Account Rates
No minimum balances. No monthly or yearly fees. Keep enough funds in checking and we pay you interest!
View rates| Account Type | Min. Balance to Earn Interest | Dividend Rate | APY* |
| Golden Nugget Checking | $500 | .15% | .15% |
| Free Checking | N/A | N/A | N/A |
*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of September 26, 2023 and are subject to change.
Money Market Rates
Want a better rate then savings, but don't want to lock funds in a CD? Check out a Money Market Account.
View rates| Account Type | Minimum Balance | Dividend Rate | APY* |
| Money Market Account | $1000 - $10,000 | .20% | .20% |
| $10,001 - $25,000 | .45% | .45% | |
| $25,001 - $50,000 | .50% | .50% | |
| $50,001 and over | .55% | .55% |
*APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of September 26, 2023 and are subject to change.
Certificate of Deposit Rates
CD's are a safe place to deposit funds for a period of time, and you get paid by the credit union for this deposit.
View rates| Account Type | Minimum Balance | Dividend Rate | APY* |
| 3 Month | $1,000 | 2.96% | 3.00% |
| 6 Month | $1000 | 4.42% | 4.50% |
| 9 Month | $1000 | 4.90% | 5.00% |
| 12 Month | $1000 | 3.94% | 4.00% |
| 18 Month | $1000 | 3.50% | 3.55% |
| 24 Month | $1000 | 3.45% | 3.50% |
| 36 Month | $1000 | 3.30% | 3.35% |
| 48 Month | $1000 | 3.06% | 3.10% |
| 60 Month | $1000 | 3.40% | 3.45% |
| 12 Month IRA CD | $1000 | 3.94% | 4.00% |
| Starter CD (12 month)** | $200 | 3.94% | 4.00% |
**Starter CD is a 12 month term, can add additional funds at any time during the term, Max Value is $25,000
*APY = Annual Percentage Yield is based on an assumption that dividends/interest will remain in the account until maturity. Fees could reduce earnings, and a penalty is imposed if you close your CD prior to the maturity date. The penalty will be equal to 90 days of interest, and may affect principle and will reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA accounts. Rates and terms are accurate as of March 21st, 2024 and are subject to change.
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