Rates – St. Anthony of Padua FCU

Rates Effective As of March 24th, 2025

Share Accounts

Account	Minimum Balance	APR*	APY*
Membership Account (Statement)	$25.00	0.15%	0.15%
Statement Savings	$25.00	0.15%	0.15%
Share Draft	$25.00	0.05%	0.05%

Share Certificates/Money Markets

Account	Minimum Balance	APR*	APY*
Money Market Access	$10,000.00	0.25%	0.25%
6 Month Certificate	$500.00	0.35%	0.35%
12 Month Certificate	$500.00	0.45%	0.45%
7 Month Certificate Special	$500.00	4.00%	4.07%
12 Month IRA	$1,000.00	1.00%	1.00%

Personal Loans

Terms	Payment Per $1000	APR* As Low As
Maximum term to 48 months – Over $5000 with 2 signatures from same household	$26.10	11.50%
Maximum term to 36 months	$32.51	10.50%

New Auto Loans

Terms	Payment Per $1000	APR* As Low As
Maximum term to 60 months	$19.33	5.99%
Maximum term to 72 months	$17.57	7.99%

Used Auto Loans – with 15% down

Terms	Payment Per $1000	APR* As Low As
Maximum term to 48 months Vehicles 1 – 5 years old	$23.48	5.99%
Maximum term to 48 months Vehicles 6 years or older	$23.95	6.99%
Maximum term to 60 months – Vehicles 1 year old or less	$20.28	7.99%

Loans Secured With Shares

Terms	Payment Per $1000	APR* As Low As
Maximum term to 36 months	$29.13	3.10%
Maximum term to 48 months	$22.63	4.10%

Credit Card Consolidation

Maximum Loan Amount	Terms	Payment Per $1000	APR* As Low As
$5,000	36 Months	$32.51	10.50%

First Mortgage

Terms	Type	Payment Per $1000	APR* As Low As
20 Years	Fixed	$7.61	6.25%
30 Years	Fixed	$6.65	6.50%
30 Years	3 year/1 year variable rate	$5.68	5.50%

Real Estate Loans

Product	Terms	Type	Payment Per $1000	APR* As Low As
2nd Mortgage	5 Years	Fixed	$19.10	5.50%
2nd Mortgage	10 Years	Fixed	$11.10	5.75%
2nd Mortgage	15 Years	Fixed	$8.71	6.00%

Open End Line of Credit

Terms	Type	Payment Per $1000	APR* As Low As
Up to 30 years	1 year variable rate	$5.68	5.50%

*APR – Annual Percentage Rate
*APY – Annual Percentage Yield