CONSTRUCTION LOANS BUILT FOR YOU WITH RATES AS LOW AS 5.99% APR*
Access the competitive rates and local financing to help turn the first shovel on your construction dreams.
Benefits You’ll Love
- Enjoy interest-only payments during the construction phase
- Payments on only the amount drawn on your loan
- Explore customized repayment terms
- Experience quick, local decision-making and processing
Construction Loans
- Competitive rates for your home construction project
- Available for primary residence or second home construction
- Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
- Can roll into permanent mortgage at end of construction
- Pay off interest quicker; payments are interest-only during construction phase
- Payments are made on the amount drawn on your loan, sufficient to pay your builder
- Construction draws applied in stages based on work completed
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Sign your documents at home or on the go with our electronic document signing feature
Mortgage Learning Center
We know buying a home is a big financial decision, but our team is here to support you at every step of the way.
Our Mortgage Learning Center offers a variety of helpful solutions to make the home buying process a bit easier.
Read about the following:
- Mortgage Journey
- Frequently Asked Questions
- Mortgage Glossary
- HomeBuyer Education
*FCCU membership required. Loans subject to credit approval. APR as of 5/1/2024. Actual APR will vary based on loan amount, term, loan to value, credit history and other factors associated with your loan application. Limited time offer and rates subject to change without notice. Other terms and conditions may apply. Equal housing opportunity.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.47% | 2.50% |
| $25,000+ | 0.15% | 2.50% to 0.62% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.25% | 0.25% |
| $25,000+ | 0.15% | 0.25% to 0.17% |
| All balances if qualifications not met | 0.02% | 0.02% |
Qualifications to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t qualify this monthly cycle, your account is still free and you’ll still earn the base interest rate. Plus, you’ll get right back to earning your rewards the very next month.
APY = Annual Percentage Yield. Rates and APYs accurate as of 1/1/2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.