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.
| Institution | Money 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 | 1.21% | 0.35% | 2.22% | Visa 6.90% | Tier 1 $500-$25000/7.40%1 Tiers 2-4 NA Max Term 84 mos |
| Firefighters First CU | 0.90% | 0.05% | 1.87% | 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% | — | 1.15% | 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% | 1.10% | 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 84 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 10/10/2018. Competitor loan rates as of 10/09/2018. Source for competitor rates: RateWatch except for Chase credit card, which is chase.com. F&A rates as of 10/1/2018. F&A APY is accurate as of the last dividend declaration date.
Compare F&A to a bank -
Total savings: $3,133 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 $554 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 2.22% APY share certificate at F&A.
Compare F&A to another credit union -
Total savings: $707 a year.
You could save $618 in interest charges a year by moving your credit card from Firefighters First Credit Union to F&A7. You could earn $89 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 1.87% APY compared to 2.22% APY at F&A.
F&A ranks #1 in California for the healthiest credit union according to DepositAccounts, April 5, 2018.
