Current Rates
Savings & Money Market Accounts
SHARE SAVINGS ACCOUNT
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $999.99 | 0.05% | 0.05% |
| $1,000 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.10% | 0.10% |
| $10,000 and Above | 0.10% | 0.10% |
CLUB/SPECIAL PURPOSE SAVINGS ACCOUNT
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.05% | 0.05% |
HOLIDAY SAVINGS ACCOUNT
Note: Maturity of this account is October 1st, its term varies depending on the date the account is opened.
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.05% | 0.05% |
MONEY MARKET SAVINGS ACCOUNT ($1,000.00 MINIMUM)
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $9,999.99 | 0.0500% | 0.0500% |
| $10,000 - $24,999.99 | 0.1000% | 0.1000% |
| $25,000 - $49,999.99 | 0.1000% | 0.1000% |
| $50,000 - $99,999.99 | 0.1499% | 0.1500% |
| $100,000 and Above | 0.1499% | 0.1500% |
MONEY MARKET PLUS SAVINGS ACCOUNT ($5,000.00 MINIMUM)
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $14,999.99 | 0.7474% | 0.7500% |
| $15,000 - $49,999.99 | 1.2429% | 1.2500% | $50,000 - $99,999.99 | 1.4898% | 1.5000% |
| $100,000 - $199,999.99 | 1.7361% | 1.7500% |
| $200,000 and above | 1.9819% | 2.0000% |
IRA SAVINGS ACCOUNT
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $499.99 | 0.1000% | 0.1000% |
| $500 and Above | 0.1499% | 0.1500% |
Checking/Share Draft Accounts
FIRST CHECKING/SHARE DRAFT ACCOUNT
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.00% | 0.00% |
FIRST PLUS CHECKING/SHARE DRAFT ACCOUNT ($500.00 MINIMUM)
| Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $4,999.99 | 0.0500% | 0.0500% |
| $5,000 and Above | 0.1000% | 0.1000% |
Share Certificates ($1000.00 Minimum)
| Balance | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| 6 Months | 4.37% | 4.29% |
| 12 Months | 4.28% | 4.19% |
| 18 Months | 4.00% | 3.93% |
| 24 Months | 3.85% | 3.78% |
| 36 Months | 3.40% | 3.35% |
IRA Share Certificates ($1000.00 Minimum)
| Balance | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| 6 Months | 4.37% | 4.29% |
| 12 Months | 4.28% | 4.19% |
| 18 Months | 4.00% | 3.93% |
| 24 Months | 3.85% | 3.78% |
| 36 Months | 3.40% | 3.35% |
Rates Effective as of December 9, 2024
Savings, Money Market Savings, and Share Draft Checking rates are variable and may change at any time without notice. Share Certificate rates are fixed for the specified term and a penalty is imposed for early withdrawal. Share Certificate Deposit Rates Compound Monthly. Fees could reduce earnings on all types of deposit accounts.
Auto Loans
All Loan Rates Effective August 9th, 2024
NEW AUTO LOANS
| APR* | Terms Available |
|---|---|
| As Low As 5.25% APR | 24-72 Months (84 month term available for loan amounts greater than $20,000.) |
USED AUTO LOANS
| APR* | Terms Available | As Low As 5.25% APR | 24-72 Months |
|---|
RECREATIONAL VEHICLES
| Vehicle Type | APR* | Maximum Term |
|---|---|---|
| New | As low As 5.25% | Up To 72 Months |
| Used | As Low As 5.25% | Up To 72 Months |
Personal Loans
SIGNATURE LOANS
| Fixed APR* | Maximum Term |
|---|---|
| As low as 10.00% | 48 Months |
SHARE SECURED LOANS
Current savings rate +2.50% APR. Max term depends on collateral account used.
CERTIFICATE SECURED LOANS
Current certificate rate +2.00% APR. Max term depends on collateral account used.
1st Mortgage Home Loans
First Lincoln Federal Credit Union, in partnership with Pivot Lending Group, for purchases or refinances. Kindra Gates is available to give you the current rate for mortgage loans and discuss the various options available. Also, be sure to check out our mortgage page.
Email: kgates@pivotlending.com
Phone: 515.423.4902
*APR = Annual Percentage Rate
All above loan rates include discounts and are subject to change without notice. Your rate is based on your credit history and may differ from the listed APR.