Deposit Accounts

Rates subject to change without notice.

Savings Accounts
Effective Date: 03/14/2018
Account TypeDividend RateAnnual Percentage YieldMinimum Balance to Earn Dividend
Regular Savings.10%.10%$105.00
Christmas/ Dream Club.10%.10%$0.01
Special Purpose Account.10%.10%$0.01
Individual Retirement Account.25%.25%$0.01
Earnie Youth Account.10%.10%$0.01


High Yield Account
Effective Date: 03/14/2018
TierDividend RateAnnual Percentage YieldMinimum Balance to Earn Dividend
$2,500 – $4999.990.15%0.15%$2,500.00
$5,000 – $9,999.990.20%0.20%$5,000.00
$10,000 – $24,999.990.25%0.25%$10,000.00
$25,000 and over0.30%0.30%$25,000.00


Certificate of Deposit & IRA Certificate
Penalties may apply for early withdrawals                                            Effective Date:  03/14/2018
TermDividend RateAnnual Percentage YieldMin. Balance to open
3 Month0.50%0.50%$500
6 Month1.50%1.51%$500
12 Month1.85%1.87%$500
24 Month2.15%2.17%$500
36 Month2. 40%2. 43%$500
48 Month2.65%2.68%$500
60 Month2.90%2.94%$500
CD Plus – 6 Month0.50%0.50%$100
Jumbo 12 Month2.00%2.02%$25,000
Jumbo 24 Month2.25%2.27%$25,000
Jumbo 36 Month2.50%2.53%$25,000
Jumbo 48 Month2.75%2.78%$25,000
Jumbo 60 Month3.00%3.04%$25,000
Save to Win-1 Year0.25%0.25%$25.00


Secured Loans
Effective Date: 08/1/2018
Autos, Motorcycles, Boats, Campers, RVs, Mobile Homes and Savings Secured1
TermAnnual Percentage Rate (As Low As)
24 months3.24%
36 months3.49%
48 months3.74%
60 months3.99%
72 months4.24%
84 months4.49%
1Savings Secured Loans must be secured by an FFCU Savings Account.
Unsecured Loans and Lines of Credit
Effective Date: 08/1/2018
TermAnnual Percentage Rate (As Low As)
All Reasons, All Seasons6.90%* or 7.90%**
*Up to $3,000 for 12 months.  **Up to $3,000 for 24 months.
Personal Loans-Up to 60 months9.50%
Personal Line of Credit18.00%
Home Equity Loans
Effective Date: 08/1/2018
Fixed Rate Home Equity LoanAs low as 4.250% APR*
Home Equity Line of CreditAs low as 4.00% APR*
APR=Annual Percentage Rate. Homes securing loan must be borrower’s primary residence and must be located within Muskegon, Mason, Newaygo, Oceana, or Ottawa counties in Michigan. Loan rates may vary based on the borrower’s credit profile as determined by Family Financial Credit Union. Rates subject to change. Rates and terms shown may not apply to every borrower. Other rates and terms available. The Home Equity Line of Credit is a variable rate product and may change. The maximum APR that can apply is 18.00%.

For current mortgage rates, call Member First Mortgage toll free at 866.898.1818
or visit them online at www.memberfirstmortgage.com.