Loan Rates

All Loan rates effective as of 11/1/2008.
All stated rates are subject to change at any time.
All fees quoted subject to change at any time.
Our loan rates are now determined by risk-based lending, or credit scoring. Actual rates will vary based on a member's credit score. We cannot actually quote an exact rate. You may be told what the current lowest rate is, but the actual rate given is based on a credit review.
Please call Fort Billings FCU for a formal rate quote.
*APR = Annual Percentage Rate
** Actual APR Subject to Credit Review
*** Credit score must be >650 to qualify. See loan officer for terms

	APR *
Personal	12.90 **
Share Secured by Savings	7.75
Secured by Certificate	7.75
New Auto
12-72 months	4.99 **
Used Auto
Starts @ 5.99% **	5.99 **
(Will also finance tax and tags. Used vehicle will finance 100% NADA Book Value.)
Skip-a-pay (Offered November, December, January) $35 fee per loan (excludes real estate and credit cards)
New MotorHome up to 120 months Used MotorHome up to 120 months New Motorcycle up to 60 months	7.40 ** 8.40 ** 7.40 **
Used Motorcycle up to 48 months	8.40 **
New Boat	7.40 **
Used Boat	8.00 **
Visa Platinum	8.99
Visa Gold	9.99
Visa Classic	12.90
Home Equity Loans (up to 75% equity) 5 Year 10 Year 15 Year	5.74 6.24 7.24
Home Equity Loans (76% to 80% equity) 15 Year	7.49
Home Equity Loans (81% to 90% equity) 5 Year 10 Year Variable Rate Home Equity Loan	5.99 6.49 Not Offering At This Time
First Mortgage	Rates Change Daily