Rates - 1st Cooperative Federal Credit Union

Great rates keep bringing members back to 1st Cooperative FCU.

Loan Rates

As of 4/1/2024

If you find a better rate, we may be able to match it

Loan Type	APR*
New autos	as low as 5.99%
Used autos	as low as 6.99%
New or used watercraft	as low as 6.99%
New motorcycles	as low as 6.74%
Used motorcycles	as low as 7.74%
New RV or ATV	as low as 7.49%
Used RV or ATV	as low as 7.99%
Personal	as low as 11.49%
Line of credit	as low as 11.74%
Visa Platinum Credit Card	as low as 8.50%
Secured by Savings	5.50%
Help in a Hurry: Your Payday Loan Alternative	18.00%

Loan interest rates vary depending on the type of loan. Final rate is determined upon application and loan approval.

$30 minimum payment on all loan advances. Rates are subject to change without prior notice.

Minimum payment for personal lines of credit or overdraft protection, which is also a line of credit, will be $30. Payments are calculated on amount of the credit limit established. Maximum loan amounts are based on credit score and other underwriting criteria.

Minimum payment for Visa Platinum credit card will be $25. Payments are calculated on 3% of amount owed. Maximum loan amounts are based on credit score and other underwriting criteria.

Maximum loan amounts are based on credit score and other underwriting criteria for all the above category of loans.

Other restrictions may apply.

*APR = Annual Percentage Rate

Savings and checking rates

As of 4/1/2024

Account Type	Minimum Deposit	APY*	Dividend Period
Regular Savings	$25	0.10%	Monthly
Kids Club, Teen Savers	$25	0.10%	Monthly
Holiday Helper	$5	3.50%	Quarterly
Vacation Account	$5	0.35%	Quarterly
1st Freedom Checking	$50	–	–
1st Choice Checking	$350	0.10%	Monthly
Health Savings Account	$25	0.10%	Monthly

Savings are federally insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. Rates are subject to change.

*APY = Annual Percentage Yield

Certificate Rates

As of 4/1/2024

Type	Minimum Deposit	APY*	Dividend Period
3 Month	$500	0.70%	At Maturity
6 Month	$500	4.00%	Quarterly
12 Month	$1,000	3.60%	Quarterly
24 Month	$1,000	3.05%	Quarterly

Get started now by opening a savings certificate

Certificates are a good way to earn more on your savings if you do not need immediate access to your funds.

Rates, terms and conditions are subject to change without notice, but after your certificate is opened, the dividend rate is fixed for the term. Fees could reduce earnings.

A penalty may be imposed for early withdrawal.

Fees

As of 4/1/2024

Membership and share value
Membership	There is no fee to join the credit union
Par value of one share	$25, which is the minimum deposit in the basic savings account that comes with your membership
Online and mobile account access
Online banking (accessed through 1stCooperative.com or the mobile banking app)	No charge
Savings accounts ^
Regular Savings Account excessive withdrawal	$2.50 per withdrawal after 6 withdrawals per calendar quarter
Kids Club, Teen Savers account excessive withdrawal	$2.50 per withdrawal after 6 withdrawals per calendar quarter
Vacation, Holiday Helper accounts excessive withdrawal	$2.50 per withdrawal after 6 withdrawals per calendar quarter
Regular Savings Account excessive transfer	$2.50 per transfer after 6 transfers per calendar month
Kids Club, Teen Savers accounts excessive transfer	$2.50 per transfer after 6 transfers per calendar month
Vacation, Holiday Helper accounts excessive transfer	$2.50 per transfer after 6 transfers per calendar month
Checking accounts
ATM debit card withdrawals	No charge when using ATMs at other credit unions and retailers in the CO-OP ATM Network
Non-sufficient funds (NSF)	$30 per item. Ask us about overdraft protection.
Returned deposit	$25 per item
Stop payment	$30 per item
Check copies	$1 per check
Check printing	Prices vary depending upon style selected
1st Choice Checking Account service charge	$3.50 per month if minimum balance is not maintained
Health Savings Account	$35 annual fee
Other services (applicable to all accounts)
Returned deposit item	$25 per item
Account research	$10 per hour
Statement copy	$5 per copy
Wire transfer: Outgoing	$10 per transfer
Paper statement Excludes members age 65+. eStatements are available at no charge.	$1
Expedited mailing	$30. Member-requested shipment by overnight carrier
BillPay online bill payment services
Unlimited bill payment using the service	No charge
Bill payments requiring paper check	Varies
Receive paper statement	$5 per month
Inactive after 6 months	$5 per month
Electronic funds transfer fees
Internal funds transfers (within 1st Cooperative)	No charge
External funds transfers (ACH* to other financial institutions)	No charge
Incoming external transfers (ACH* to 1st Cooperative from other financial institutions)	No charge
Replace PIN (personal ID number)	$5
Replace debit card	$10
Miscellaneous
Dormant account fee +	$5 per month until a deposit, withdrawal or transfer is requested
Incorrect address	$5 per month until address is corrected

^ Withdrawal and transfer limits apply to savings accounts because they are not meant for frequent transactions. Please use a Checking Account.

* Automated Clearing House is used for transactions between financial institutions.

+ An account becomes dormant after one year of inactivity, that is, without a transaction such as a deposit, withdrawal, or transfer.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration (NCUA), a U.S. Government Agency.

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with any questions about our financial services.

CALL US

803-796-0234 M-F, 8:30 a.m. – 5 p.m.

Rates and fees

Great rates keep bringing members back to 1st Cooperative FCU.

Loan Rates

Savings and checking rates

Certificate Rates

Fees

contact us

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These instructions apply only for your first time logging on to our new Online Banking system after September 2.