Credit Union in Gloversville & Broadalbin, NY | First Choice Financial Federal Credit Union - First Choice Financial Federal Credit Union

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Share Certificates

Account Type

Dividend Rate

APY

Remarks

6 Month

4.50%

4.60%

Credit Monthly

9 Month

4.60%

4.71%

Credit Monthly

1 Year

4.60%

4.71%

Credit at Maturity

2 Year

4.40%

4.50%

Credit Quarterly

3 Year

4.00%

4.08%

Credit Quarterly

4 Year

3.50%

3.56%

Credit Quarterly

5 Year

3.50%

3.56%

Credit Quarterly

$500 Minimum Balance Required

Interest Compounded Daily

APY = Annual Percentage Yield

*Penalty for early withdrawal

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Deposits

Regular Savings

0.15%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Special Savings

0.15%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Christmas Club

0.15%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Checking

0.00%

Dividend Not Available

Certain accounts may be no-interest bearing - Please see a Member Service Representative for more details.

Rates subject to change after account opening.

APY = Annual Percentage Yield

*Penalty for early withdraw

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Money Market

Money Market

0.40%

Balance $0.00 - $10,000.00 Average Daily Bal. Compound Monthly

Money Market

0.55%

Balance $10,000.01 - $25,000.00 Average Daily Bal. Compound Monthly

Money Market

0.65%

Balance $25,000.01 - $50,000.00 Average Daily Bal. Compound Monthly

Money Market

0.90%

Balance $50,000.01 - $100,000.00 Average Daily Bal. Compound Monthly

Money Market

1.20%

1.21%

Balance $100,000.01 - $250,000.00 Average Daily Bal. Compound Monthly

Money Market

1.50%

1.51%

Balance $250,000.01 - $500,000.00 Average Daily Bal. Compound Monthly

Money Market

2.25%

2.27%

Balance $500,000.01 - $1,000,000.00 Average Daily Bal. Compound Monthly

Money Market

3.00%

3.04%

Balance $1,000,000.01 + Average Daily Bal. Compound Monthly

APY = Annual Percentage Yield

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

IRA

IRA Shares

0.15%

Minimum $5.00 Average Daily Balance Quarterly Compound

1 Year Certificate

4.60%

4.71%

Minimum $500 Credit Quarterly Compound Daily

2 Year Certificate

4.40%

4.50%

Minimum $500 Credit Quarterly Compound Daily

3 Year Certificate

4.00%

4.08%

Minimum $500 Credit Quarterly Compound Daily

4 Year Certificate

3.50%

3.56%

Minimum $500 Credit Quarterly Compound Daily

5 Year Certificate

3.50%

3.56%

Minimum $500 Credit Quarterly Compound Daily

APY = Annual Percentage Yield

*Penalty for early withdraw

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Auto

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2023 & Newer

5 Years

Up to 100% NADA + Tax + Warranty

5.75%**^

2023 & Newer

6 Years

Up to 100% NADA + Tax + Warranty

6.50%**^

2023 & Newer

7 Years

Up to 100% NADA + Tax + Warranty

7.25%**^

2023 - 2022

Up To 4 Years

Up to 100% NADA + Tax + Warranty

5.00%**^

2023 - 2022

5 Years

Up to 100% NADA + Tax + Warranty

5.75%**^

2023 - 2022

6 Years

Up to 100% NADA + Tax + Warranty

6.50%**^

2023 - 2022

7 Years

Up to 100% NADA + Tax + Warranty

7.25%**^

2021-2020

Up To 4 Years

Up to 100% NADA + Tax + Warranty

6.75%**^

2021-2020

5 Years

Up to 100% NADA + Tax + Warranty

7.50%**^

2021-2020

6 Years

Up to 100% NADA + Tax + Warranty

8.25%**^

2019 - Older

Up To 3 Years

Up to 100% NADA + Tax + Warranty

7.75%**^

2019 - Older

4 Years

Up to 100% NADA + Tax + Warranty

8.50%**^

2019 - Older

5 Years

Up to 100% NADA + Tax + Warranty

9.25%**^

Payment ex: $20,000 @ 6.00%APR*** for 6 years= $331.66 per month...Estimated payment without additional fees, options, etc.

New or Used Auto Terms (2022 or Newer) greater than 5 years require loans amount/vehicle value of $20,000 or more.

Used Auto Terms (2021 to Older) greater than 4 years require loans amount/vehicle value of $10,000 or more.

**All loan rates include a .25% discount for automatic payments.

***Annual Percentage Rate

^Rate as low as posted based on credit qualifications & Loan Term

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Personal

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Personal Unsecured Loan

Up To 5 Years

$42,000 Per Member

10.49%**^

Personal Unsecured Loan

Up To 6 Years

$42,000 Per Member

12.49%**^

Fixed

5 Years

$10,000 - $400,000

7.65%^ (1st Lien Position)

Personal Unsecured Loan

Up to 7 Years

$42,000 Per Member

14.49%**^

Personal Line of Credit

Revolving

$10,000 Per Member

Variable Rate as Low as 13.75%^

Overdraft Line of Credit

Revolving

$2,000 Per Member

15.00%^

Variable Rate Share Secured

10 Years

Add 3 pts + Share Minimum Rate

Personal Unsecured Loan: terms greater than 5 years require loan amount of $15,000 or greater.

The total aggregate of all unsecured products will not exceed $42,000.

Share Secured - Minimum Rate 3%.

**All loan rates include a .25% discount for automatic payments.

***Annual Percentage Rate.

^Rate as low as posted based on credit qualifications & Loan Term.

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Recreational Vehicles

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New

Up to 5 Years

Up to 100% List Price + Tax

6.74%**^

New

6 to 8 Years

Up to 100% List Price + Tax

7.74%**^ (Minimum Loan Amount / RV Value of $20,000)

New

9 to 10 Years

Up to 100% List Price + Tax

8.74%**^ (Minimum Loan Amount / RV Value of $25,000)

New

11 to 15 Years

Up to 100% List Price + Tax

9.74%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2022 - 2021

Up to 5 Years

Up to 100% List Price + Tax

7.24%**^

Used 2022 - 2021

6 to 8 Years

Up to 100% List Price + Tax

8.24%**^ (Minimum Loan Amount / RV Value of $20,000)

Used 2022 - 2021

9 to 10 Years

Up to 100% List Price + Tax

9.24%**^ (Minimum Loan Amount / RV Value of $25,000)

Used 2022 - 2021

11 to 15 Years

Up to 100% List Price + Tax

10.24%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2020 - 2019

Up to 5 Years

Up to 90% List Price + Tax

8.24%**^

Used 2020 - 2019

6 to 8 Years

Up to 90% List Price + Tax

9.24%**^ (Minimum Loan Amount / RV Value of $20,000)

Used 2020 - 2019

9 to 10 Years

Up to 90% List Price + Tax

10.24%**^ (Minimum Loan Amount / RV Value of $25,000)

Used 2020 - 2019

11 to 15 Years

Up to 90% List Price + Tax

11.24%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2018 & Older

Up to 5 Years

Up to 90% List Price + Tax

8.74%**^

Used 2018 & Older

6 to 8 Years

Up to 90% List Price + Tax

10.74%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2018 & Older

9 to 10 Years

Up to 90% List Price + Tax

12.74%**^ (Minimum Loan Amount / RV Value of $20,000)

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Recreational Vehicles- Park Model

Apply Now

2022 and Newer

Up to 5 Years

Up to 100% List Price + Tax

5.24%**

2022 and Newer

6 to 9 Years

Up to 100% List Price + Tax

7.24%** ^($40,000.00 Minimum Loan Amount

2022 and Newer

10 to 15 Years

Up to 100% List Price + Tax

7.99%** ^($40,000.00 Minimum Loan Amount

Used 2022 - 2021

Up to 5 Years

Up to 100% List Price + Tax

7.24%**

Used 2022 - 2021

6 to 9 Years

Up to 100% List Price + Tax

8.24%** ^($40,000.00 Minimum Loan Amount

Used 2022 - 2021

10 to 15 Years

Up to 100% List Price + Tax

9.74%** ^($40,000.00 Minimum Loan Amount

Used 2020 - 2019

Up to 5 Years

Up to 90% List Price + Tax

8.24%**

Used 2020 - 2019

6 to 9 Years

Up to 90% List Price + Tax

9.24%** ^($30,000.00 Minimum Loan Amount

Used 2020 - 2019

10 to 15 Years

Up to 90% List Price + Tax

10.74%** ^($30,000.00 Minimum Loan Amount

Used 2018 & Older

Up to 5 Years

Up to 90% List Price + Tax

10.24%**

Used 2018 & Older

6 to 10 Years

Up to 90% List Price + Tax

12.24%** ^($25,000.00 Minimum Loan Amount

**All loan rates include a .25% discount for automatic payments.

***Annual Percentage Rate

^Rate as low as posted based on credit qualifications & Loan Term

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Power Sports

Apply Now

New

Up to 5 Years

Up to 100% List Price

7.24%**^

New

6 to 7 Years

Up to 100% List Price

8.24%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2022 - 2021

Up to 5 Years

Up to 100% List Price

7.74%**^

Used 2022 - 2021

6 to 7 Years

Up to 100% List Price + Tax

8.74%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2020 - 2019

Up to 4 Years

Up to 90% List Price + Tax

8.74%**^

Used 2020 - 2019

5 to 6 Years

Up to 90% List Price + Tax

9.74%**^ (Minimum Loan Amount / RV Value of $10,000)

Used 2018 & Older

Up to 3 Years

Up to 90% List Price + Tax

9.24%**^

Used 2018 & Older

4 to 5 Years

Up to 90% List Price + Tax

10.24%**^ (Minimum Loan Amount / RV Value of $10,000)

**All loan rates include a .25% discount for automatic payments.

***Annual Percentage Rate.

^Rate as low as posted based on credit qualifications & Loan Term.

(The APY is accurate as of 09/20/2023)

Rates are subject to change without notice

Recreational Vehicles

Apply Now

Line Of Credit

15 Yrs (Up to 80% of Appraisal Less 1st Mortgage)

$10,000 - $400,000

Intro Rate 5.50%^ for 36 Months then Prime + 0% Minimum Rate of 4%

2023 & Newer

Up to 4 Years

Up to 100% NADA + Tax + Warranty

5.00%**^

Fixed

10 Years

$10,000 - $400,000

6.50%^ (1st Lien Position)

Fixed

15 Years

$10,000 - $400,000

8.10%^ (1st Lien Position)

Fixed

20 Years

$10,000 - $400,000

8.40%^ (1st Lien Position)

$20,000 Minimum loan amount required to qualify for promo.

^Rate as low as posted based on credit qualifications & Loan Term

Prime Rate as of July 27, 2023: 8.50%APR

Mortgages

Many Programs Available

Click Here for More Information