Rates

Basic Savings

Product Dividend Rate APY* Regular Share Account 1.00% APY* Secondary Share Account 1.00% APY*

* APY=Annual Percentage Yield. APY may be lower than the rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change.  For Regular Share, Sub Share, IRA Share, And Christmas Club Accounts, the dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors.  A member will lose dividends if the account is closed before accrued dividends are credited. A minimum balance of $200 is required to earn dividends. Federally insured by the National Credit Union Administration. Dividends are paid quarterly. Call for current rates and information. Rates effective 2/1/2024.

Share Certificates

Growth Certificate (Less than $10,000)

Term                                                  Dividend Rate                       Annual Percentage Yield                      
90 Days* .30% .30%
6 Months 4.91% 5.00%
1 Year 4.60% 4.68%
2 Year 3.15% 3.19%
5 Year 2.80% 2.83%

Jumbo Certificate ($10,000 and more)

Term                                                  Dividend Rate                       Annual Percentage Yield                      
1 Year 4.80% 4.89%
2 Years 3.35% 3.39%
5 Years 3.00% 3.03%

APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. * Minimum of $5,000 is required for all 90 Day certificates. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 6/10/24

Money Market Accounts

Product                                                  Dividend Rate                       Annual Percentage Yield                      
Less than $2,500 0% 0%
$2,500 - $9,999 1.25% 1.26%
$10,000 - $24,999 1.25% 1.26%
$25,000 - $49,999 2.20% 2.22%
$50,000 and greater 3.25% 3.30%
All rates are subject to change. There is a limit of three withdrawals per calendar month. Rates effective 06/10/2024.

APY=Annual Percentage Yield. APY may be lower than the rate depending on the average daily balance in the account for the dividend period.  Money Market accounts are tiered rate accounts. and pay dividends weekly and require a minimum balance of $2,500 to earn dividends.  For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.   

IRA Certificate Rates

Growth Certificate (Less than $10,000)

Term                                                  Dividend Rate                       Annual Percentage Yield                      
1 Year 4.60% 4.68%
2 Year 3.15% 3.19%

Jumbo Certificate ($10,000 and more)

Term                                                  Dividend Rate                       Annual Percentage Yield                      
1 Year 4.80% 4.89%
2 Years 3.35% 3.39%

*APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 06/10/24

Traditional IRAs

Balance Tier                                                  Dividend Rate                       APY*                      
$0.00 - $199.99 0% 0% APY*
$200 and greater 1.00% 1.00% APY*

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Federally insured by the National Credit Union Administration. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 2/1/2024.

Roth IRAs

Balance Tier                                                  Dividend Rate                       APY*                      
$0.00 - $199.99 0% 0% APY*
$200 and greater 1.00% 1.00% APY

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Federally insured by the National Credit Union Administration. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 2/1/2024.

Coverdell Education Savings Account

Balance Tier                                                  Dividend Rate                       APY*                      
$0.00 - $199.99 0% 0% APY*
$200 and greater 1.00% 1.00% APY*

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Federally insured by the National Credit Union Administration. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 2/1/2024.

Loan Rates

Auto Loans

Vehicle Year                                             Terms                                             Rate*                                            
2018 and newer Up to 36 months 6.20% APR
2018 and newer Up to 60 months 6.69% APR
2018 and newer Up to 72 months 6.74% APR

* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.)

Approximate monthly payment for a loan of $20,000 at 6.20% for 36 months would be approximately $610.35.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

Approximate monthly payment for a loan of $20,000 at 6.69% for 60 months would be approximately $393.19.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

Approximate monthly payment for a loan of $20,000 at 6.74% for 72 months would be approximately $338.54.  All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

 

Home Mortgage Loans

Stark Federal Credit Union offers home loans for new purchases and refinancing. Our rates are competitive and our approvals are fast.

For current rates, call 330.639.2300 during business hours.

Home Equity Loans & Lines of Credit

Product Terms Rates as low as
Mortgage Low Loan to Value Program   Call 330-493-7602 for current rates
Home Equity Line of Credit ** Less than 80% loan to value ratio 7.99% APR variable **
Home Equity Loan (Fixed Rate) *** 0 - 60 months 6.49% APR fixed ***
  61 - 120 months 7.74% APR fixed ***
  121 - 180 months 7.99% APR fixed ***
  181 - 240 months 7.99% APR fixed ***

The estimated monthly payment can be calculated by using our calculator and entering the amount you wish to borrow, the loan term you request and the appropriate interest rate for the loan purpose that you wish to borrow.

*EQUITY LOANS ALSO SUBJECT TO ACCEPTABLE PROPERTY APPRAISAL AND TITLE SEARCH. Loans are subject to credit worthiness, membership eligibility, and your ability to meet certain underwriting criteria such as owner occupancy and loan to value ratios.  Your rate may also be different based on your credit history. Loan to value criteria is based on the appraised value of your home minus your outstanding mortgage balances.  This offer is only available on owner occupied homes.   Property insurance is required. Flood insurance may be required. No early repayment penalty. No application fee.  No Closing costs.  Third party fees may apply and may range from $0 – $1,000.

**Home Equity Line of Credit (Variable Rate)-APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility. Rate may be different and are based on your personal credit history. Variable rate subject to change with prime rate for the duration of the line of credit. Rate may change monthly. The current rate is based on Prime minus .51%.  Your home equity contract rate is variable based on Wall Street Journal Prime Rate, on your creditworthiness, and Stark Federal Credit Union’s lending policies. Your rate will vary but never exceed 18.00% APR and never fall below 6.50%.   Minimum credit line draw of $2,500. Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater. HELOC requires low annual fee of $60. There is a Draw Period for 5 years after the account is opened during which advances and purchases may be made and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a repayment period that will not exceed 10-years.

***Home Equity Loan (Fixed Rate)- APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility.  Rate may be different and are based on your personal credit history.  Fixed rate options allow you to borrow up to 100% of the appraised value of your home, minus your outstanding mortgage balance.  Rates above are available for loan amounts over $5,000 and less than 80% loan to value.  Typical loan payment examples are as follows: If you borrow $25,000 secured by an owner-occupied home, for 120 months at 7.74% APR, the monthly payment would be $300 or if you borrow $50,000 secured by an owner-occupied home, for 180 months at 7.99% APR, the monthly payment would be $477.54. Non-owner-occupied financing is also available. Call us for details.

Home Equity Early Disclosure

What you should know about Home Equity Lines of Credit

Click here for more disclosures.

Please contact your tax advisor to determine any tax benefits. Stark Federal Credit Union may discontinue or change program without notice. A Stark Federal Credit Union Share Account must be opened and in good standing in order to disburse a loan. All loans are subject to credit approval. All rates are subject to change. Stark Federal Credit Union is an Equal Housing Lender.

 

Recreational Vehicles

Rates As Low As 7.99% APR!*
For a personalized rate quote, call 330-493-7602
during business hours or toll-free 866-467-0427
any other time day or night.

* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.) All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR)

A sample monthly payment for a loan of $15,000 and a term of 60 months at 7.99% APR would be approximately $304.07. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

Motorcycle Loans

Vehicle Year                                             Terms                                             Rate*                                            
2020 and newer Up to 36 months as low as 6.74% APR
2016 - 2019 Up to 36 months as low as 8.24% APR
2015 and older Up to 60 months as low as 9.24%

For a personalized rate quote, call 330-493-7602 during business hours or
toll-free 866-467-0427 any other time day or night.

* APR = Annual Percentage Rate Rates reflect an additional .25% rate reduction with payments automatically deducted from your Stark FCU checking or savings account. (Rate reduction does not apply to any mortgage or HELOC programs.)

A sample monthly payment for a loan of $10,000 and a term of 36 months at 6.74% APR would be approximately $307.64. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 36 months at 8.24% APR would be approximately $314.47. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 36 months at 9.24% APR would be approximately $319.19. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

Other Loans

Signature Loan Rates

Product                                                                   Rate***                                                                                        
Signature Rates as low as 9.99% APR

Regular Share Secured Loan Rates

Product                                                                   Rate***                                                                                        
Regular Share Secured Rates 4.00% APR

Other Vehicle Rates

Product Rate***
All terrain vehicles, jet skies, wave runners, snow mobiles, mopeds, motorcycle side cars and trailers** Rates are based upon motorcycle rates, plus 1% APR.

All rates are subject to change. Rates effective 7/1/23.
* Loans secured by CD's are 3.5% above the Share Certificate rate for loans up to 60 months and 4.5% above the Share Certificate rate for loans between 61-120 months. Must mature when the Share Certificate does.
** Secure with title or UCC1
*** Rates are calculated by Annual Percentage Rate (APR)

The estimated monthly payment can be calculated by using our calculator and entering the amount you wish to borrow, the loan term you request and the appropriate interest rate for the loan purpose that you wish to borrow.

A sample monthly payment for a loan of $10,000 and a term of 60 months at 9.99% APR would be approximately $212.50. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 60 months at 4.00% APR would be approximately $184.19. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

A sample monthly payment for a loan of $10,000 and a term of 36 months at 7.74% APR would be approximately $312.24. All rates are subject to change. Rates are calculated by Annual Percentage Rate (APR).

 

Stark Federal Credit Union
NCUA

Dressler Branch
4100 Dressler Rd. NW
Canton, OH 44718
Office: 330.493.8325
Fax: 330.493.8328

Loan Dept.: 330.493.7602
Loan Dept. Fax: 330.493.1619

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon
(Drive-up only)

Cleveland Ave. Branch
3426 Cleveland Ave. NW
Canton, OH 44709
Office: 330.493.8326
Fax: 330.493.8941

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon

Alliance Branch
1281 S. Sawburg Ave.
Alliance, OH 44601
Office: 330.821.7225
Fax: 330.821.2004

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon

Minerva Area Federal CU Shared Branch
(Cash and deposits only)
3570 Union Ave. SE
Minerva, OH 44657

Mon., Tues, Thurs.
9:00 a.m. - 5:00 p.m.
Wed. 9:00 a.m. - 1:00 p.m.
Fri. 9:00 a.m. - 5:00 p.m.

Routing Number
241274598

Copyright © 2023
Stark Federal Credit Union
All rights reserved.

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