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All rates, terms, and conditions are subject to change at any time.

*APY=Annual Percentage Yield.

**APR= Annual Percentage Rate.

When the Fox Rewards Checking account daily balance up to and including $5,000.00 earns a dividend rate of 4.89%, resulting in an APY of 5.00%; and daily balances over $5,000 earn a rate of 0.50% APY on the portion of the daily balance over $5,000.00 resulting in a range from 0.50% to 5.00% APY, depending on the account daily balance and meeting the monthly qualifications. When qualifications are not met, the rate earned on the entire daily balance in the account will be 0.01% APY, and domestic ATM fee refunds will not apply. Dividends are calculated and accrued daily based on the Fox Rewards Checking balance tier and Monthly Qualification requirements met. Monthly Qualification Cycle requirements are: (a) make 15 Fox Communities Credit Union (Fox) debit/credit card qualifying purchase transactions that post and settle during each Monthly Qualification Cycle, restrictions apply; (b) have a $500 or more direct deposit or automatic payment during each Monthly Qualification Cycle; (c) enroll in Online Banking and elect to receive eStatements with a valid email address. Limit of one Fox Rewards Checking account per a tax reported owner. Rates are subject to change at any time. Fees may reduce earnings on account.

The monthly qualification cycle begins on the last business day of the previous month and ends one (1) day prior to the last business day of the current month. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.

To qualify for products and services, you must meet membership eligibility requirements. Upon approval establish membership by opening a Membership Share Account with a minimum $5 deposit.

Intro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 6.75% as of 12/11/2025), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. APR is based on creditworthiness at the time the account is established. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The variable card APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Program rates, terms and conditions are subject to change without notice. For complete details, see Important Pricing & Terms or contact Fox. Loan subject to credit approval. 

Credit card Annual Percentage Rates (APR) accurate as of December 11, 2025, and subject to change without notice. APR is variable and based on U.S. Prime Rate, product type and creditworthiness. Rates, terms, and conditions are subject to change at any time without notice. Subject to credit approval and membership required. Visit important credit card disclosures for additional details.