Rates
Loan Rates
| Vehicle Loans 3 New Auto | ||
|---|---|---|
| TERM | APR1 | |
| 36 | 3.50% - 11.64% | |
| 48 | 4.00% - 12.14% | |
| 60 | 4.25% - 12.50% | |
| 66 | 4.50% - 8.64% | |
| 72 | 5.00% - 9.14% | |
| 84 | 6.00% - 8.25% | |
| Vehicle Loans Used Auto | ||
|---|---|---|
| TERM | APR1 | |
| 36 | 3.75% - 11.89% | |
| 48 | 4.25% - 12.39% | |
| 60 | 4.50% - 11.50% | |
| 66 | 4.75% - 8.89% | |
| 72 | 5.25% - 9.39% | |
| Other Secured2 Loans | ||
|---|---|---|
| TERM | APR1 | |
| 12 | 5.14% - 9.53% | |
| 24 | 5.64% - 10.03% | |
| 36 | 5.89% - 10.39% | |
| 48 | 6.14% | |
| 60 | 6.64% | |
| Personal Loans2 | ||
|---|---|---|
| TERM | APR1 | |
| 12 | 7.99% - 15.99% | |
| 24 | 8.49% - 16.49% | |
| 36 | 8.99% - 16.99% | |
| 48 | 9.49% - 15.49% | |
| 60 | 9.99% - 15.99% | |
| Share Secured | ||
|---|---|---|
| TERM | APR1 | |
| 12 | 1.79% - 2.29% | |
| 24 | 2.04% - 2.54% | |
| 36 | 2.29% - 2.79% | |
| 48 | 2.79% - 3.29% | |
| 60 | 3.79% - 4.29% | |
| Other Secured2 Loans | ||
|---|---|---|
| TERM | APR1 | |
| Varies | 2.00% Above CD Rate | |
| Home Equity4 | |||
|---|---|---|---|
| TERM | APR1 as low as5 | ||
| 5 Years | 6.125% | ||
| 10 Years | 6.375% | ||
| 15 Years | 6.750% | ||
| 20 Years | 7.250% | ||
| Home Equity Line of Credit4 | ||
|---|---|---|
| Type | APR1 as low as5 | |
| Adjustable | 7.50%6 | |
| Fixed | 6.75% (1st Position) | |
| 7.125% (2nd Position) | ||
| MasterCard4 | ||
|---|---|---|
| Type | APR1 as low as5 | |
| Classic - Minimum Limit $300 | 14.76%6 | |
| Gold - Minimum Limit $4,000 | 8.75% | |
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 |
| Jumbo 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 Markets Accounts | APY* | Dividend Rate |
|---|---|---|
| Super Money Market - Balance up to $49,999.99 | 0.15% | 0.15% |
| Super Money Market - Balance up to $50,000 & over | 1.35% | 1.35% |
| Money Market - Balance $0 - $2,499.99 | 0.10% | 0.10% |
| Money Market - Balance $2,500 - $9,999 | 0.40% | 0.40% |
| Money Market - Balance $10,000 - $24,999 | 0.55% | 0.55% |
| Money Market - Balance $25,000 & over | 0.77% | 0.70% |
| Individual Retirement Accounts | APY* | Dividend Rate |
|---|---|---|
| IRA - Traditional | 0.25% | 0.25% |
| IRA - ROTH | 0.25% | 0.25% |
| IRA - Educational | 0.25% | 0.25% |
| Share Accounts | APY* | Dividend Rate |
|---|---|---|
| Share Account - Minimum Balance $100.00 | 0.10% | 0.10% |
| Holiday Club | 0.10% | 0.10% |
| Checking Products | APY* | Dividend Rate |
|---|---|---|
| Value Plus Checking - Minimum to Open $500.00 | 0.00% | 0.00% |
| Premiere Checking - Minimum Balance $1,500.00 | 0.00% | 0.00% |
| High-Yield Checking - Balance $0 - $9,999.99 | 0.01% | 0.01% |
| High-Yield Checking - Balance $10,000 - $24,999.99 | 0.03% | 0.03% |
| High-Yield Checking - Balance $25,000 & over | 0.05% | 0.05% |
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.
