We will be performing network maintenance on Thursday, May 9 from 9 am - 11 am. During this time all Fort Financial ATMs will be unavailable. Please visit our locations page for a list of surcharge-free ATMs as part of the Alliance One network. We apologize for the inconvenience.

Fort Financial Credit Union
Search toggle
masthead banner

Disclosures

Online Access

New Auto

Rates are effective as of March 1, 2024, and subject to change based on market conditions and borrower eligibility. Actual rate based on applicant’s credit history. All loans are subject to credit approval. Offer based on loan term of 60 months. Fort Financial Credit Union finances up to 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 10.74% APR and the minimum approved loan amount is $10,000. Vehicle must be model year 2019 or newer. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds the allowable Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers. Payment Example: A 60-month loan of $20,000 at 10.74% fixed APR will have a monthly payment of $434.26.

Used Auto

Rates are effective as of March 1, 2024, and subject to change based on market conditions and borrower eligibility. Actual rate based on applicant’s credit history. All loans are subject to credit approval. Offer based on loan term of 60 months. Fort Financial Credit Union finances up to 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 12.74% APR, with a maximum of 150,000 miles, and the minimum approved loan amount is $10,000. Vehicle must be model year 2013 to 2018. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds allowable loan to value (LTV). Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. May not be combined with other offers. Payment Example: A 60-month loan of $20,000 at 12.74% fixed APR will have a monthly payment of $454.89.

IMPORTANT CREDIT CARD DISCLOSURES

Visa Signature and Visa Platinum

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of October 2, 2023. You can contact us at 260.432.1561 or by writing to our corporate office, 8815 Lima Road, Fort Wayne, IN 46818 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases

Visa Platinum - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 13.24% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.

Visa Signature with Rewards - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 15.40% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances

Visa Platinum - 13.24% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.

Visa Signature with Rewards - 15.40% - 18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers

Visa Platinum - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 13.24% - 18.00%. This APR will vary with your credit history. This APR will vary with the market based on the Prime Rate.

Visa Signature with Rewards - 0.00% Introductory APR for 12 months. After that, your Standard APR will be 15.40% - 18.00%. This APR will vary with your credit history. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 18.00%. This APR may be applied to your account if you make a payment that is late 60 days or more.
How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES:
Fees to Open or Maintain your Account
Annual Fee: None
Transaction Fees
Balance Transfer: 3% of the amount of each balance transfer (minimum: $10.00) for the first 12 months. After 12 months, a fee will no longer be assessed for a balance transfer.
Cash Advance: 3% of the amount of each cash advance (minimum: $10.00)
Foreign Transaction: 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment: Up to $25.00 if your payment is late.
Returned Payment: Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.