Office Location of First County FCU

First County Federal Credit Union

1100 W. 11th St.

Muncie, IN  47302

(765) 284-3471

fcfcu@firstcountyfcu.org

Office Hours of First County FCU

Monday-Tuesday-Thursday       8:30am-5:00pm

Wednesday                                9:00am-5:00pm

Friday                                         8:30am-6:00pm

Saturday                                    9:00am-noon (drive-up only)

© 2016 First County Federal Credit Union.

ATM Locations of First County FCU

Locate First County FCU's five Muncie-area ATMs

ATM at Progress Rail -- 3500 S. Cowan Road, Muncie

ATM at Magna West -- 4701 S. Cowan Road, Muncie

ATM at Magna East -- 1400 W. Fuson Road, Muncie

ATM at Delaware Dynamics -- 700 S. Mulberry Street, Muncie

ATM at First County FCU -- 1100 W. 11th Street, Muncie

Access First County FCU Anytime!

Perfect Teller Online Banking

Perfect Teller Mobile Banking

View Your Visa Statement

Sybil Telephone Banking 765-741-1859

First County FCU fax line 765-282-3863

Lost/Stolen Debit Card:  855-472-7392

Lost/Stolen Credit Card:  855-217-2620

 

First County Federal Credit Union in Muncie is an Equal Housing Lender

THE FOLLOWING LOAN TERMS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.  THE INFORMATION SHOWN HERE IS ONLY AN ESTIMATE.  Your Annual Percentage Rate (APR) will vary according to your creditworthiness.  The "as low as" rates shown below are for A+ tier.  Please ask a loan officer for details on how your rate is determined.

 

Fixed Home Equity Loans

The estimated monthly payment is estimated per $10,000 borrowed.

The minimum finance amount for a fixed term Home Equity Loan is $5,000.  We will loan up to 80% LTV (any existing mortgage plus this loan divided by the appraised value of the home).  When you apply for a fixed term home equity loan, you will be given a Good Faith Estimate and Truth-in-Lending Disclosure.

 

Variable Rate Home Equity Lines of Credit

Rates vary according to the market based on the Prime Rate.  Minimum Annual Percentage Rate (floor rate) if 4% for all variable rate loans.  Maximum Annual Percentage Rate is 21%.

Minimum payment during the 5 year draw period is interest only payments and calculated on the outstanding balance.

The Annual Percentage Rate for our variable rate account is based upon movements of the prime lending rate published in the Wall Street Journal.  I understand the Wall Street Journal's "prime lending rate" is a reference used by banks in determining interest rates on certain loans and is not necessarily intended to be the lowest rate of interest charged on any extension of credit to any customer.  The Annual Percentage Rate for each month will equal the index rate minus 1% on the last day of the preceding month.  However, the Annual Percentage Rate will not decrease or increase beyond certain minimum and maximum rates.  The margins, as well as the minimum/maximum Annual Percentage Rates, for our our variable rate account are set forth above.  Your finance charge for every $1.00 in your daily balance as well as the number of your monthly payments will increase if the index rate rises and will decrease if the index rate falls.  Your Annual Percentage Rate will change on the first day of the month following a change in the index rate.  The effect of an increase in the Annual Percentage Rate will be an increase in payment amount during the draw period and be more payments of the same amount during the repayment period.

All real estate secured loans must satisfy the following:

  • Property insurance is required.

  • Indiana property only.

  • Primary residence only.

Equal Housing Lender.  NMLS# 811362.