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Compare Our Rates

When it comes to rate and Annual Percentage Yield (APY), have you ever wondered how F&A compares to the competition? Have a look.

InstitutionMoney Market
($2,500, APY)
Dividend
Checking
($0, APY)
Share Certificates
(12-17 Months
$10,000, APY)
Credit Card
(APR, as low as)
Personal Loan
(APR, as low as)
F&A FCU 1.11% 0.35% 2.17% Visa 6.90% Tier 1 $500-$25000/7.40%1
Tiers 2-4 NA
Max Term 84 mos
Firefighters First CU 0.70% 0.05% 1.76% Visa 11.99%
Plat 8.99%
Tier 1 All/9.24%
Tier 2 All/9.74%
Tier 3 All/10.24%
Tier 4 NA
Max Term 60 mos
Kinecta FCU 0.05% 0.05% 1.70% M-Card 9.74% Tier 1 $1,000-$25,000/9.49
Tiers 2-4 NA
Max Term 60 mos
Wescom CU 0.05% 1.05% Plat/Visa 10.65% Tier 1
$500-$4,999/8.90%
Tier 2 $5,000-$9,999/8.90%
Tier 3 $10,000-$50,000/8.90%
Max Term 60 mos
Logix CU 0.50% .05% 0.90% M-Card 9.99% Tier1 $500-$1,499/7.49%
Tier 2 $1,500-$2,499/7.49%
Tier 3 $2,500-$9,999/7.74%
Tier 4 $10,000+/10.74%
Max Term 60 mos
Chase Interest
Checking
0.01%2
Certificate of
Deposit
0.01%2,3
15.99%4

1Rate discount will be added for automatic payments. 2Interest rates in Zip Code 91754.3A Certificate of Deposit (offered by banks) is the same type of product as a Share Certificate (offered by credit unions). 4Lowest everyday rate on a Chase Personal Credit Card is on Amazon Rewards Visa Signature Card. Competitor deposit rates as of 9/12/2018. Competitor loan rates as of 9/11/2018. Source for competitor rates:  RateWatch except for Chase credit card, which is chase.com. F&A rates as of 9/1/2018. F&A APY is accurate as of the last dividend declaration date. 

Compare F&A to a bank - 
Total savings: $3,120 a year.

You could save $2,579 in interest charges a year by moving your credit card from Chase to F&A5. You could earn $541 more in dividends a year by moving your 12-month certificate from Chase to F&A6.

5Savings based on $25,000 credit card balance at 15.99% APR with Chase compared to 6.90% APR at F&A. 6Earnings based on $25,000 12-month certificate of deposit at 0.01% APY with Chase compared to 2.17% APY share certificate at F&A.

Compare F&A to another credit union - 
Total savings: $722 a year.

You could save $617.50 in interest charges a year by moving your credit card from Firefighters First Credit Union to F&A7. You could earn $104.50 more in dividends a year by moving your 12-month certificate from Firefighters First Credit Union to F&A8.

7Savings based on $25,000 credit card balance with Firefighters First Credit Union at 8.99% APR compared to 6.90% APR at F&A. 8Earnings based on $25,000 12-month share certificate with Firefighters First Credit Union at 1.76% APY compared to 2.17% APY at F&A.

F&A ranks #1 in California for the healthiest credit union according to DepositAccounts, April 5, 2018.

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