header 1

Online Branching Login
User ID    Enroll Now

Loan Rates

Loans
Annual Percentage Rate (APR)

These rates are current as of August 1, 2018.

Type Annual Percentage Rate (APR) Maximum Term
VISA Credit Card Starting at 8.00% Minimum $25 Monthly or 3% of Balance
Open-End Loans
Overdraft Line of Credit (limits $500 to $2,000) Starting at 8.00% Monthly payment is 5% of limit
Open-end Signature Loan Starting at 8.00% 84 Months
Share Secured Loan 3.75%
(minimum 3.75%)
Min. Payment is Interest Due
Certificate Secured Loan Rate of Certificate + 3%
(minimum 3.75%)
Min. Payment is Interest Due
 
Closed-End Loans
Signature Loans 16.00% 84 Months
Comaker Loan Starting at 13.00% 60 Months
Quick Cash Loan 15.00%  
 
New Vehicle Loan
Finance up to 90% of MSRP according to Black Book
Starting at 4.25% 84 Months
New Vehicle Loan 100% financing Starting at 5.25% 84 Months
Used Vehicle Loan
Finance up to 90% of Black Book Clean Retail
Starting at 5.25% 72 Months
Used Vehicle Loan 100% financing Starting at 6.25% 72 Months
** Vehicle with Salvage Titles - up to 70% of Black Book Average retail
 
New Boat Starting at 8.25% 84 Months
Used Boat Starting at 8.25% 84 Months
 
New RV / Camper / Trailer / Pop-up / Fold-down Starting at 8.25% 120 Months
Used RV / Camper / Trailer / Pop-up / Fold-down Starting at 8.25% 84 Months
 
Mobile Home Loans (new without land) Starting at 5.00% Singlewide - up to 20 years
    Doublewide - up to 30 years
Mobile Home Loans (used without land) Starting at 6.00% Singlewide - up to 20 years
    Doublewide - up to 30 years
 
Land Starting at 8.00% 10 years
 
Vacation Home Loan Starting at 8.50% 20 years
 
Construction Loans Starting at 8.00% 1 year
 
Home Equity Line of Credit Starting at 4.00% 25 years
 
First Mortgage Loan Starting at 4.95% 30 years
 

** Application Fee - $750.00 for First Mortgage Loans only

Quoted rates and annual percentage rates are subject to change daily at the discretion of the board of directors.

Maximum APR for all loans is the maximum rate allowed by NCUA. The current maximum rate is 18.00%.

APR will be determined at time of application based on member-applicant qualifications.

Contact credit union for more information.

Goldsboro Office
201 E. Ash Street
Goldsboro, NC 27530

Cary Office
1105 Walnut Street
Cary, NC 27511

Phone:      (919) 736-0885
Toll-free:  (800) 452-4021
memberservice@fcpcu.com

Lost/Stolen Debit Cards:
(800) 889-5280
Lost/Stolen VISA Credit Cards:
(800) 369-4887