Rates

Loan Rates

Vehicle Loans3 New Auto 
Term APR1 Payment Per $1,000 Borrowed Notes
36 3.50% – 11.64% $29.30 – $33.04
48 4.00% – 12.14% $22.58 – $26.40
60 4.25% – 12.50% $18.53 – $22.50
66 4.50% – 8.64% $17.13 – $19.09 Term may not be available based on credit evaluation
72 5.00% – 9.14% $16.10 – $18.10 Term may not be available based on credit evaluation
84 6.00% – 8.25% $14.61 – $15.71 Term may not be available based on credit evaluation
Vehicle Loans3 New Auto 
Term APR1 Payment Per $1,000 Borrowed Notes
36 3.50% – 11.64% $29.30 – $33.04
48 4.00% – 12.14% $22.58 – $26.40
60 4.25% – 12.50% $18.53 – $22.50
66 4.50% – 8.64% $17.13 – $19.09 Term may not be available based on credit evaluation
72 5.00% – 9.14% $16.10 – $18.10 Term may not be available based on credit evaluation
84 6.00% – 8.25% $14.61 – $15.71 Term may not be available based on credit evaluation
Vehicle Loans Used Auto 
Term APR1 Payment Per $1,000 Borrowed Notes
36 3.75% – 11.89% $29.41 – $33.16
48 4.25% – 12.39% $22.69 – $26.53
60 4.50% – 11.50% $18.64 – $21.99
66 4.75% – 8.89% $17.25 – $19.21 Term may not be available based on credit evaluation
72 5.25% – 9.39% $16.22 – $18.22 Term may not be available based on credit evaluation
Other Secured2 Loans
Term APR1 Payment Per $1,000 Borrowed Notes
12 5.14% – 9.53% $85.67 – $87.70
24 5.64% – 10.03% $44.16 – $46.16
36 5.89% – 10.39% $30.37 – $32.45
48 6.14% $23.55 – $20.83
60 6.64% $19.63 – $16.67
Personal Loans2
Term APR1 Payment Per $1,000 Borrowed Notes
12 7.99% – 15.99% $86.98 – $90.73
24 8.49% – 16.49% $44.45 – $49.20
36 8.99% – 16.99% $31.80 – $35.65
48 9.49% – 15.49% $25.12 – $28.08
60 9.99% – 15.99% $21.24 – $24.31
Share Secured
Term APR1 Payment Per $1,000 Borrowed Notes
12 1.79% – 2.29% $84.15 – $84.38
24 2.04% – 2.54% $42.57 – $42.79
36 2.29% – 2.79% $28.78 – $29.00
48 2.79% – 3.29% $22.05 – $22.27
60 3.79% – 4.29% $18.33 – $18.56
Other Secured2 Loans
Term APR1 Payment Per $1,000 Borrowed Notes
Varies 2.00% Above CD Rate Varies
Home Equity4
Term APR1 as low as5 Payment Per $55,000 Borrowed Notes
5 Years 5.625% $957.95
10 Years 5.875% $551.97
15 Years 6.250% $428.71
20 Years 6.750% $380.18
Home Equity Line of Credit4
Type APR1 as low as5 Notes
Adjustable 7.50%6
Fixed 6.250% 1st Position
6.625% 2nd Position
MasterCard4
Type APR1 as low as5
Classic – Minimum Limit $300 14.76%6
Gold – Minimum Limit $4,000 8.75%

Payment per $1000 borrowed

$29.30 – $33.04

Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. 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.
1APR = Annual Percentage Rate  Individual loan rates are determined by member’s specific credit history. Rates are subject to change at any time.
2Package of Protection not available for these loans.
3The lowest rates include the following discounts:
.50% for Stellar Relationship (Direct Deposit, automatic loan payment, Checking and e-statements)
AND .25% for Premiere OR High Yield Checking
AND .50% with Package of Protection
AND .25% for using our Auto Advisor Service
4Rate Discounts are available only on consumer loans.
51st Position. Non-Primary Residence .50% above applicable rate
6Variable rate. Prime Rate -1%. Floor 3.00%.

Full loan disclosures will be given when loan is disbursed.

Deposit Rates

Jumbo Share & IRA Certificates APY* Interest Rate Term Early Withdrawal Penalty
Jumbo 12 Month Certificates** – Minimum $75,000 5.35% 5.25% 12 180 days interest
Jumbo 30 Month Certificates** – Minimum $75,000 4.99% 4.90% 30 180 days interest
Jumbo 60 Month Certificates** – Minimum $75,000 4.37% 4.30% 60 180 days interest
Share & IRA Certificates APY* Interest Rate Term Early Withdrawal Penalty
Regular 12 Month Certificates** – Minimum $5,000 5.09% 5.00% 12 180 days interest
Regular 30 Month Certificates** – Minimum $5,000 4.73% 4.65% 30 180 days interest
Regular 60 Month Certificates** – Minimum $5,000 4.11% 4.05% 60 180 days interest
Regular 12 Month Certificates** – Minimum $1,000 4.06% 4.00% 12 180 days interest
Regular 30 Month Certificates** – Minimum $1,000 3.70% 3.65% 30 180 days interest
Regular 60 Month Certificates** – Minimum $1,000 4.06% 4.00% 60 180 days interest
Money Market Accounts APY* Dividend Rate Term
Super Money Market – Balance up to $49,999.99 0.15% 0.15% n/a
Super Money Market – Balance up to $50,000 & over 1.35% 1.35% n/a
Money Market – Balance $0 – $2,499.99 0.10% 0.10% n/a
Money Market – Balance $2,5000 – $9,999 0.40% 0.40% n/a
Money Market – Balance $10,000 – $24,999 0.55% 0.55% n/a
Money Market – Balance $25,000 – over 0.70% 0.70% n/a
Individual Retirement Accounts APY* Dividend Rate Term Early Withdrawal Penalty
IRA – Traditional 0.25% 0.25% n/a n/a
IRA – ROTH 0.25% 0.25% n/a n/a
IRA – Educational 0.25% 0.25% n/a n/a
Share Accounts APY* Dividend Rate Term
Share Account – Minimum Balance $100.00 0.10% 0.10% n/a
Holiday Club 0.10% 0.10% n/a
Checking Products APY*
Value Plus Checking – Minimum to Open $500.00 0.00%
Premiere Checking – Minimum Balance $1,500.00 0.00%
Checking Products APY* Dividend Rate Term
Value Plus Checking – Minimum to Open $500.00 0.00% 0.00% n/a
Premiere Checking – Minimum Balance $1,500.00 0.00% 0.00% n/a
High-Yield Checking – Balance $0 – $9,999.99 0.01% 0.01% n/a
High-Yield Checking – Balance $10,000 – $24,999.99 0.03% 0.03% n/a
High-Yield Checking – Balance $25,000 – over 0.05% 0.05% n/a
Rates/terms subject to change at the discretion of the FCCU Board of Directors. 9/1/2023
Quarter ending September 30, 2023
* APY = Annual Percentage Yield – Dividends Paid Quarterly Super/Regular Money Markets, Checking, Share and IRA Share Accounts are variable rate accounts and the rate may change after the accounts are opened. Fees may reduce earnings on share accounts.
** A penalty will be imposed for early withdrawals on all certificate accounts. Certificate terms are listed in months.