Rates & Service Charges

APY = Annual Percentage Yield. APYs are accurate as of 12/23/2024 and subject to change. Dividends are compounded and credited monthly. Service charges may reduce earnings.

APY = Annual Percentage Yield. APYs are accurate as of 12/23/2024 and subject to change. Account may be subject to a penalty for early withdrawal. Fees may reduce earnings.

APY = Annual Percentage Yield. APYs are accurate as of 12/23/2024 and subject to change. Dividends are compounded and credited monthly. Fees may reduce earnings.

APY = Annual Percentage Yield. APYs are accurate as of 12/23/2024 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.

APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Additional discounts of up to 90 basis points with purchase of GAP, Warranty, and all payment protection products. APR cannot be discounted below 4.99%. Vehicles more than six model years in age or with mileage 100,000 miles or more will be subject to an additional 100 basis points on the rate. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions. Purchase of payment protection products is not required.

APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Rates reflect discount of 50 basis points for purchase of Guaranteed Auto Protection (GAP), and selection of payment protection. Vehicles more than six model years in age or with mileage 100,000 miles or more will be subject to an additional 100 basis points on the rate. Purchase of payment protection products is not required.

APR = Annual Percentage Rate. Your APR will be between 11.99% and 17.99%, subject to creditworthiness at time of application for loan terms of 12-60 months. Fixed Rate Example: A loan amount of $10,000 for 60 months at 11.99% fixed APR will have a monthly payment of $222.39.

APR = Annual Percentage Rate. Loans subject to credit approval. Rate may differ depending on borrower creditworthiness and underwriting factors.

Index is the average rate for 6 months on the 6-month Treasury Bill using daily rates.

APR = Annual Percentage. Subject to credit approval. Introductory rate is only valid for the first six months from the date of account opening. After that, the standard APR (Index + 7.49% to 17.99%) will apply, depending on credit worthiness and underwriting factors. The offer is subject to change at any time and without notice. See our credit card disclosure for complete details.

APR = Annual Percentage. Subject to credit approval. Standard APR will be 17.99%. See our credit card disclosure for complete details

Monthly fee of $10 is waived if you maintain an average daily balance of $5,000.

A transaction is defined as any debit or credit (withdrawal, transfer, check, or cash deposit, etc.) made electronically, at a First Service branch or CO-OP Shared Branch. Example: 1 deposit with 3 checks = 3 items. After the monthly item limit is reached, a fee per item will apply. Please see the Business Fee Schedule for more details.

Item is defined as each debit, withdrawal, transfer, check, or cash deposit. Example: 1 deposit with 3 checks = 3 items. After the monthly item limit is reached, a fee per item will apply. Please see the Business Fee Schedule for more details.

An NSF service charge is charged each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.

Deposit accounts become inactive after 6 months of no activity and remain inactive until transactions resume or account becomes dormant.