Member Rates
SAVINGS RATES
Rates updated 04/01/2017
Type of Account Dividend Rate APY
Regular Share Savings 0.05% 0.05%
Club Account 0.05% 0.05%
IRA Accumulation 1.10% 1.10%
IRA Term
6 Months
12 Months
18 Months
24 Months

0.14%
0.23%
0.29%
0.60%

0.14%
0.23%
0.29%
0.60%
Money Market
(effective June 30, 2013
(min $2500)
$2,500-$7,499.99
$7,500-$9,999.99
$10,000 and over



0.10%
0.15%
0.20%



0.10%
0.15%
0.20%
Dividend rates are variable and may change after the account is open. Club accounts are limited to one withdrawal per calendar year, excess withdrawals will incur a fee. Regular share and club account dividends are compounded quarterly. Money market account dividends are compounded monthly. The APY is based on the assumption that minimum balances & other requirements are met. Fees could reduce the earnings on the account. APY = Annual Percentage Yield. Rates and Terms are subject to change without notice.
     
     
SHARE CERTIFICATE RATES
Rates updated 04/01/2017
$500.00 - $24,999.99 Dividend Rate APY
6 Months 0.10% 0.10%
12 Months 0.19% 0.19%
18 Months 0.25% 0.25%
24 Months 0.55% 0.55%
     
$25,000.00 - $99,999.99 Dividend Rate APY
6 Months 0.12% 0.12%
12 Months 0.21% 0.21%
18 Months 0.27% 0.27%
24 Months 0.58% 0.58%
     
$100,000.00 and over Dividend Rate APY
6 Months 0.14% 0.14%
12 Months 0.23% 0.23%
18 Months 0.29% 0.29%
24 Months 0.60% 0.60%
APY is based on the assumption that minimum balances & other requirements will be met. All share certificate dividends are compounded monthly. Certificates are subject to a penalty for early withdrawal. APY = Annual Percentage Yield. Rates and Terms are subject to change without notice.
 
PRIMARY PLEDGE RATES
Collateral Secured (ie- Auto, Motorcycle, Camper, etc.)
Rates updated 04/01/2017
Approximate Term Daily Periodic Rate APR
84 Month* 0.009562%-0.017781% 3.49%-6.49%
72 Month* 0.008192% - 0.038329% 2.99% - 13.99%
60 Month* 0.006822% - 0.042438% 2.49% - 15.49%
48 Month* 0.006137% - 0.041753% 2.24% - 15.24%
36 Month* 0.005452% - 0.041068% 1.99% - 14.99%
RVs - 84 Month* 0.013671% - 0.027370% 4.99% - 9.99%
RVs - 120 Month* 0.017123% - 0.030822% 6.25% - 11.25%
RVs - 180 Month* 0.022603% - 0.039041% 8.25% - 14.25%
*Approximate Term--The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products. Rates and Terms are subject to change without notice.
     
     
Type of Loan Daily Periodic Rate APR
Share Savings Secured 0.0056% 2.05%
Certificate Secured 0.0061% 2.23%**

**As of 10/21/14 this rate is 2.23% APR based on 1 year share certificate rate for $100,000 or more. Interest on all Share Certificates Loans will be 2% above the certificate rate. See your loan disbursement voucher for our current rate. Rates and Terms are subject to change without notice.

     
     
PERSONAL LOAN RATES
Rates updated 04/01/2017
Type of Loan Daily Periodic Rate APR
Personal 0.027123% - 0.049041% 7.90% - 17.90%
Overdraft 0.04% 14.90%**
*Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice.
     
     
CREDIT CARD RATES
Type of Loan Daily Periodic Rate APR
Platinum Visa 0.027123% - 0.049041% 9.90% - 17.90%
*Credit Card rate is based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice.

 

Family Advantage Federal Credit Union
Main Branch: P.O. Box 39,
100 Stephen P. Yokich Pkwy Spring Hill, Tennessee 37174
931.486.3125 or Toll Free 1.888.486.3125


Branch Hours: Spring Hill
Lobby - Monday - Friday 9am - 5pm, Saturday 9am - 12pm
Drive -Thru - Monday - Friday 9am - 5pm
ATM - 24/7

 

Columbia Branch: 615 West 7th Street, Columbia, Tennessee  38401
931.486.3125 or Toll Free 1.888.486.3125

 

Branch Hours: Columbia
Lobby - Monday - Friday 9am - 5pm
Drive-Thru - Monday - Friday - 9am - 5pm, Saturday - 9am to 12pm
ATM - 24/7

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Rates are variable and are based on an evaluation of credit history, so your rate may differ.

 

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