Vehicle Loans New Auto
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+4.49%4.74%4.99%5.49%6.24%
680-7194.99%5.24%5.49%5.99%6.74%
640-6795.49%5.74%5.99%6.49%7.24%
600-6396.99%7.24%7.49%7.99%N/A
Less than 6008.49%8.74%8.99%N/AN/A
Vehicle Loans Used Auto
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+4.74%4.99%5.24%5.74%6.49%
680-7195.24%5.49%5.74%6.24%6.99%
640-6795.74%5.99%6.24%6.74%7.49%
600-6397.24%7.49%7.74%8.24%N/A
Less than 6008.74%8.99%9.24%N/AN/A
Vehicle Loans New Auto
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+4.49%4.49%4.99%5.49%6.24%
680-7194.99%5.24%5.49%5.99%6.74%
640-6795.49%5.74%5.99%6.49%7.24%
600-6396.99%7.24%7.49%7.99%N/A
Less than 6008.49%8.74%8.99%N/AN/A
Vehicle Loans Used Auto
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+4.74%4.99%5.24%5.74%6.49%
680-7195.24%5.49%5.74%6.24%6.99%
640-6795.74%5.99%6.24%6.74%7.49%
600-6397.24%7.49%7.74%8.24%N/A
Less than 6008.74%8.99%9.24%N/AN/A

 

Other Secured Loans
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+5.99%6.24%6.49%6.99%7.74%
680-7196.49%6.74%6.99%7.49%8.24%
640-6796.99%7.24%7.49%7.99%8.74%
600-6397.49%7.74%7.99%N/AN/A
Less than 6007.99%N/AN/AN/AN/A
Other Secured Loans
CREDIT SCOREAPR1
36 Months48 Months60 Months72 Months84 Months
720+5.99%6.24%6.49%6.99%7.74%
680-7196.49%6.74%6.99%7.49%8.24%
640-6796.99%7.24%7.49%7.99%8.74%
600-6397.49%7.74%7.99%N/AN/A
Less than 6007.99%N/AN/AN/AN/A

 

Personal Loans
CREDIT SCOREAPR1
12 Months24 Months36 Months48 Months60 Months
720+7.99%8.24%8.49%9.49%10.49%
680-7198.74%8.99%9.24%10.24%11.24%
640-6799.99%10.24%10.49%11.49%12.49%
600-63911.99%12.24%12.49%13.49%14.49%
Less than 60013.99%14.24%14.49%15.49%N/A

 

Personal Loans
CREDIT SCOREAPR1
12 Months24 Months36 Months48 Months60 Months
720+7.99%8.24%8.49%9.49%10.49%
680-7198.74%8.99%9.24%10.24%11.24%
640-6799.99%10.24%10.49%11.49%12.49%
600-63911.99%12.24%12.49%13.49%14.49%
Less than 60013.99%14.24%14.49%15.49%N/A

 

Share Secured
CREDIT SCOREAPR1
12 Months24 Months36 Months48 Months60 Months
ALL CREDIT GRADES2.49%2.74%2.99%3.49%3.99%

 

Share Secured
CREDIT SCOREAPR1
12 Months24 Months36 Months48 Months60 Months
ALL CREDIT GRADES2.49%2.74%2.99%3.49%3.99%
MasterCard2, 4
TypeAPR1
Classic - Minimum Limit $30014.76%4
Gold - Minimum Limit $4,0008.75%
CD Secured Loans
TERMAPR1
Varies2.50% Above CD Rate
1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing.
2Rate discounts are not available for Home Equity, Home Equity Line of Credit, or MasterCard loans.
3Variable rate and subject to change.
4Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change.

 

Home Equity Rates

Home Equity - First Position2, 5, 6, 7
CREDIT SCOREAPR1
5 Years10 Years15 Years20 Years
720+5.875%6.250%6.500%7.000%
680-7196.125%6.500%6.750%7.250%
640-6796.375%6.750%7.000%7.500%
600-6396.875%7.250%7.500%8.000%
Less than 6007.875%8.250%8.500%9.000%
Home Equity - First Position2, 5, 6, 7
CREDIT SCOREAPR1
5 Years10 Years15 Years20 Years
720+5.875%6.250%6.500%7.000%
680-7196.125%6.500%6.750%7.250%
640-6796.375%6.750%7.000%7.500%
600-6396.875%7.250%7.500%8.000%
Less than 6007.875%8.250%8.500%9.000%
Home Equity - Second Position2, 5, 6, 7
CREDIT SCOREAPR1
5 Years10 Years15 Years
720+6.250%6.625%6.875%
680-7196.500%6.875%7.125%
640-6796.750%7.125%7.375%
600-6397.250%7.625%7.875%
Less than 6008.250%8.625%8.875%
Home Equity - Second Position2, 5, 6, 7
CREDIT SCOREAPR1
5 Years10 Years15 Years
720+6.250%6.625%6.875%
680-7196.500%6.875%7.125%
640-6796.750%7.125%7.375%
600-6397.250%7.625%7.875%
Less than 6008.250%8.625%8.875%
Home Equity Line of Credit
CREDIT SCOREAPR1
Adjustable - First Position2, 3, 4, 5, 7Fixed - First Position2, 4, 5, 7Fixed - Second Position2, 4, 5, 7
720+7.500%6.500%6.875%
680-7197.750%6.750%7.125%
Home Equity Line of Credit
CREDIT SCOREAPR1
Adjustable - First Position2, 3, 4, 5, 7Fixed - First Position2, 4, 5, 7Fixed - Second Position2, 4, 5, 7
720+7.500%6.500%6.875%
680-7197.750%6.750%7.125%
1 APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing.
2 Rate discounts are not available for Home Equity or Home Equity Line of Credit.
3Adjustable Rate. Prime Rate -1% for A+ Credit and -.75% A Credit. The maximum rate on a HELOC Adjustable is 16%.
4Non-Primary Residence will be .50% above applicable regular rate. A HELOC is not offered for Non-Primary Residence property.
5Payments do not include taxes and insurance which are the obligation of the borrower.
6Terms of Repayment Example $50,000 loan, 6.25% interest rate, 180 monthly payments of $427.88.
7First Position indicates there will be no other lienholder other then First Choice Credit Union. If the applicant is not in First Position as indicated here the loan is a Second Position loan.

FIRST CHOICE CREDIT UNION IS AN EQUAL HOUSING LENDER

 

Deposit Rates

Jumbo Share & IRA CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Jumbo 12 Month Certificates** - Minimum $75,0005.09%5.00%12180 days interest
Jumbo 30 Month Certificates** - Minimum $75,0004.42%4.35%30180 days interest
Jumbo 60 Month Certificates** - Minimum $75,0003.96%3.90%60180 days interest
Share & IRA CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Regular 12 Month Certificates** - Minimum $5,0004.84%4.75%12180 days interest
Regular 30 Month Certificates** - Minimum $5,0004.16%4.10%30180 days interest
Regular 60 Month Certificates** - Minimum $5,0003.70%3.65%60180 days interest
Regular 12 Month Certificates** - Minimum $1,0003.80%3.75%12180 days interest
Regular 30 Month Certificates** - Minimum $1,0003.14%3.10%30180 days interest
Regular 60 Month Certificates** - Minimum $1,0002.68%2.65%60180 days interest
Money Markets AccountsAPY*Dividend Rate
Super Money Market - Balance up to $49,999.990.15%0.15%
Super Money Market - Balance up to $50,000 & over1.35%1.35%
Money Market - Balance $0 - $2,499.990.10%0.10%
Money Market - Balance $2,500 - $9,9990.40%0.40%
Money Market - Balance $10,000 - $24,9990.55%0.55%
Money Market - Balance $25,000 & over0.77%0.70%
Individual Retirement AccountsAPY*Dividend Rate
IRA - Traditional0.25%0.25%
IRA - ROTH0.25%0.25%
IRA - Educational0.25%0.25%
Share AccountsAPY*Dividend Rate
Share Account - *Must have balance of $100.00 to earn dividends*0.10%0.10%
Holiday Club0.10%0.10%

Jumbo Share & IRA CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Jumbo 12 Month Certificates** - Minimum $75,0005.09%5.00%12180 days interest
Jumbo 30 Month Certificates** - Minimum $75,0004.42%4.35%30180 days interest
Jumbo 60 Month Certificates** - Minimum $75,0003.96%3.90%60180 days interest
Share & IRA CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Regular 12 Month Certificates** - Minimum $5,0004.84%4.75%12180 days interest
Regular 30 Month Certificates** - Minimum $5,0004.16%4.10%30180 days interest
Regular 60 Month Certificates** - Minimum $5,0003.70%3.65%60180 days interest
Regular 12 Month Certificates** - Minimum $1,0003.80%3.75%12180 days interest
Regular 30 Month Certificates** - Minimum $1,0003.14%3.10%30180 days interest
Regular 60 Month Certificates** - Minimum $1,0002.68%2.65%60180 days interest
Money Markets AccountsAPY*Dividend Rate
Super Money Market - Balance up to $49,999.990.15%0.15%
Super Money Market - Balance up to $50,000 & over1.35%1.35%
Money Market - Balance $0 - $2,499.990.10%0.10%
Money Market - Balance $2,500 - $9,9990.40%0.40%
Money Market - Balance $10,000 - $24,9990.55%0.55%
Money Market - Balance $25,000 & over0.77%0.70%
Individual Retirement AccountsAPY*Dividend Rate
IRA - Traditional0.25%0.25%
IRA - ROTH0.25%0.25%
IRA - Educational0.25%0.25%
Share AccountsAPY*Dividend Rate
Share Account - *Must have balance of $100.00 to earn dividends*0.10%0.10%
Holiday Club0.10%0.10%

Rates/terms subject to change at the discretion of the FCCU Board of Directors. 9/1/2023
Quarter ending September 30, 2023
* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of September 30, 2023.
** A penalty will be imposed for early withdrawals on all certificate accounts. Certificate terms are listed in months.

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