Rates

Loan Rates

Vehicle Loans 3 New Auto
TERMAPR1
363.50% - 11.64%
484.00% - 12.14%
604.25% - 12.50%
664.50% - 8.64%
725.00% - 9.14%
846.00% - 8.25%
Vehicle Loans Used Auto
TERMAPR1
363.75% - 11.89%
484.25% - 12.39%
604.50% - 11.50%
664.75% - 8.89%
725.25% - 9.39%
Other Secured2 Loans
TERMAPR1
125.14% - 9.53%
245.64% - 10.03%
365.89% - 10.39%
486.14%
606.64%
Personal Loans2
TERMAPR1
127.99% - 15.99%
248.49% - 16.49%
368.99% - 16.99%
489.49% - 15.49%
609.99% - 15.99%
Share Secured
TERMAPR1
121.79% - 2.29%
242.04% - 2.54%
362.29% - 2.79%
482.79% - 3.29%
603.79% - 4.29%
Other Secured2 Loans
TERMAPR1
Varies2.00% Above CD Rate
Home Equity4
TERMAPR1 as low as5
5 Years6.125%
10 Years6.375%
15 Years6.750%
20 Years7.250%
Home Equity Line of Credit4
TypeAPR1 as low as5
Adjustable7.50%6
Fixed6.75% (1st Position)
7.125% (2nd Position)
MasterCard4
TypeAPR1 as low as5
Classic - Minimum Limit $30014.76%6
Gold - Minimum Limit $4,0008.75%

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 CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Jumbo 12 Month Certificates** - Minimum $75,0005.35%5.25%12180 days interest
Jumbo 30 Month Certificates** - Minimum $75,0004.99%4.90%30180 days interest
Jumbo 60 Month Certificates** - Minimum $75,0004.37%4.30%60180 days interest
Share & IRA CertificatesAPY*Interest RateTermEarly Withdrawal Penalty
Regular 12 Month Certificates** - Minimum $5,0005.09%5.00%12180 days interest
Regular 30 Month Certificates** - Minimum $5,0004.73%4.65%30180 days interest
Regular 60 Month Certificates** - Minimum $5,0004.11%4.05%60180 days interest
Jumbo 12 Month Certificates** - Minimum $1,0004.06%4.00%12180 days interest
Regular 30 Month Certificates** - Minimum $1,0003.70%3.65%30180 days interest
Regular 60 Month Certificates** - Minimum $1,0004.06%4.00%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 - Minimum Balance $100.000.10%0.10%
Holiday Club0.10%0.10%
Checking ProductsAPY*Dividend Rate
Value Plus Checking - Minimum to Open $500.000.00%0.00%
Premiere Checking - Minimum Balance $1,500.000.00%0.00%
High-Yield Checking - Balance $0 - $9,999.990.01%0.01%
High-Yield Checking - Balance $10,000 - $24,999.990.03%0.03%
High-Yield Checking - Balance $25,000 & over0.05%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.