First Kingsport Credit Union
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Risk-Based | Loans | Savings | Certificates

 

 


New Auto's, Motorcycles, Boats, RV's, etc.
A new vehicle loan is deemed to be a 2006-2005 year model vehicle with under 10,000 miles. A used vehicle loan is deemed to be a 2005-1996 year model vehicle.

Used Auto's, Motorcycles, RV's, Boats, etc.

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 24 months

2.75

3.75 8.75 12.75
25 - 48 months 3.75 4.75 9.75 14.75
49 - 60 months 4.75 5.75  10.75 15.75
61 - 72 months 5.75 6.75 11.75 16.75


Older Used Auto Loans

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
36 months 10 12 16 18


Personal/Unsecured Loans

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
12 to 60 months 9.9 12.5 16.9 18


Home Equity 80%

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
60 months 5.75 6.75 9.75 13.75
120 months 7.75 8.75 12.75 14.75


Home Equity Line of Credit 80%

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
60-180 months 6.75 7.75 8.75 9.75


Home Equity 90%

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
60 months 7.75 8.75 12.75 15.75
120 months 9.75 11.75 14.75 17.75
180 months 11.75 13.75 15.75 17.75

 

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The rate that you receive will be based on terms. All rates are subject to change. Members need to contact a loan officer for information on Certificate Secured Loans.
Loans Rate APR* Term  
Visa Gold Credit Cards 9.900 9.900 n/a Calculator
Visa Classic Credit Cards 13.900 13.900 n/a Calculator
Share Secured Loans 2.500 2.500 120 Calculator
All loan applications require that a $50.00 application fee be assessed.
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Share minimum balance is $25.00. All rates are subject to change
Savings Dividend Rate APY* Term
Share Accounts 0.500 0.500 n/a
Share Draft Accounts   0.000 n/a
Christmas Club Account 0.500 0.500 n/a
Mad Money Accounts 0.500 0.500 n/a
Share dividends accrue daily and are posted quarterly. Share Draft Accounts do not pay dividends.
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APY assumes that dividends are left on deposit. Withdrawals can reduce earnings.
Certificates Dividend Rate APY* Term
Certificate - 6 Months 1.98 2.00 6
Certificate - 12 Months 1.98 2.00 12
Certificate - 18 Months 1.98 2.00 18
Certificate - 25 Months 1.98

2.00

25
Certificate-36 Months *An early withdrawal penalty will be assessed 1.98 2.00 36
IRA Accumulation Account 1.74 1.75 n/a
IRA - 18 Month Certificate 1.98 2.00 18
Money Market Account 1.000 1.000 n/a
Early withdrawals could result in penalities. Consult staff for more details.
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