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

(The APY is accurate as of 11/09/2022)

Rates are subject to change without notice

Share Certificates

6 Month

1.00%

1.01%

Credit Monthly

1 Year

1.75%

1.77%

Credit at Maturity

2 Year

2.75%

2.79%

Credit Quarterly

3 Year

3.00%

3.05%

Credit Quarterly

4 Year

3.00%

3.05%

Credit Quarterly

5 Year

3.00%

3.05%

Credit Quarterly

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$500 Minimum Deposit Required

Interest Compounded Daily

APY = Annual Percentage Yield

*Penalty for early withdrawal

(The APY is accurate as of 11/09/2022)

Rates are subject to change without notice

Checking/Savings Account Rates

Regular Savings

.10%

.10%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Special Savings

.10%

.10%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Christmas Club

.10%

.10%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Checking

0.00%

0.00%

Dividend Not Available

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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

Money Market Rates

Money Market

0.12%

0.12%

Balance - $0 to $5,000 Average Daily Balance Compound Monthly

Money Market

0.17%

0.17%

Balance - $5,000.01 to $25,000 Average Daily Balance Compound Monthly

Money Market

0.22%

0.22%

Balance Over $25,000.01 Average Daily Balance Compound Monthly

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APY = Annual Percentage Yield

Individual Retirement Accounts (IRA's)

IRA Shares

.10%

.10%

Minimum $5.00 Average Daily Balance Quarterly Compound

1 Year Certificate

1.75%

1.77%

Minimum $500 Credit Quarterly Compound Daily

2 Year Certificate

2.75%

2.79%

Minimum $500 Credit Quarterly Compound Daily

3 Year Certificate

3.00%

3.05%

Minimum $500 Credit Quarterly Compound Daily

4 Year Certificate

3.00%

3.05%

Minimum $500 Credit Quarterly Compound Daily

5 Year Certificate

3.00%

3.05%

Minimum $500 Credit Quarterly Compound Daily

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APY = Annual Percentage Yield

*Penalty for early withdraw

(The APY is accurate as of 11/09/2022)

Rates are subject to change without notice

Auto Loan Rates

Rates - APR ***

2022 & Newer

Up to 4 Years

Up to 100% NADA + Tax + Warranty

4..99%**^

2022 & Newer

5 Years

Up to 100% NADA + Tax + Warranty

4.99%**^

2022 & Newer

6 Years

Up to 100% NADA + Tax + Warranty

4.99%**^

2022 & Newer

7 Years

Up to 100% NADA + Tax + Warranty

5.74%**^

2022 - 2021

Up To 4 Years

Up to 100% NADA + Tax + Warranty

4.99%**^

2022 - 2021

5 Years

Up to 100% NADA + Tax + Warranty

4.99%**^

2022 - 2021

6 Years

Up to 100% NADA + Tax + Warranty

4.99%**^

2022 - 2021

7 Years

Up to 100% NADA + Tax + Warranty

5.74%**^

2020 - 2019

Up To 4 Years

Up to 100% NADA + Tax + Warranty

5.49%**^

2020 - 2019

5 Years

Up to 100% NADA + Tax + Warranty

5.49%**^

2020 - 2019

6 Years

Up to 100% NADA + Tax + Warranty

6.24%**^

2018 - Older

Up To 4 Years

Up to 100% NADA + Tax + Warranty

5.99%**^

2018 - Older

5 Years

Up to 100% NADA + Tax + Warranty

6.74%**^

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Payment ex: $20,000 @ 4.99%APR*** for 6 years= $322.20 per month...Estimated payment without additional fees, options, etc.

New or Used Auto Terms (2020 or Newer) greater than 5 years require loans amount/vehicle value of $20,000 or more.

Used Auto Terms (2019 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

Personal Loan Rates

Rates - APR ***

Personal Unsecured Loan

Up To 5 Years

$42,000 Per Member

9.49%**^

Personal Unsecured Loan

Up To 6 Years

$42,000 Per Member

11.49%**^

Personal Unsecured Loan

Up to 7 Years

$42,000 Per Member

13.49%**^

Personal Line of Credit

Revolving

$10,000 Per Member

Variable Rate as Low as 12.25%^

Overdraft Line of Credit

Revolving

$2,000 Per Member

15.00%^

Variable Rate Share Secured

10 Years

Add 3 pts + Share Minimum Rate

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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.

Recreational Vehicles(Boats and Campers)

Rates - APR ***

New

Up to 5 Years

Up to 100% List Price + Tax

5.74%**^

New

6 to 8 Years

Up to 100% List Price + Tax

6.74%**^ (Minimum Loan Amount / RV Value of $20,000)

New

9 to 10 Years

Up to 100% List Price + Tax

7.74%**^ (Minimum Loan Amount / RV Value of $25,000)

New

11 to 15 Years

Up to 100% List Price + Tax

8.79%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2021 - 2020

Up to 5 Years

Up to 100% List Price + Tax

6.24%**^

Used 2021 - 2020

6 to 8 Years

Up to 100% List Price + Tax

7.24%**^ (Minimum Loan Amount / RV Value of $20,000)

Used 2021 - 2020

9 to 10 Years

Up to 100% List Price + Tax

8.24%**^ (Minimum Loan Amount / RV Value of $25,000)

Used 2021 - 2020

11 to 15 Years

Up to 100% List Price + Tax

9.24%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2019 - 2018

Up to 5 Years

Up to 90% List Price + Tax

7.24%**^

Used 2019 - 2018

6 to 8 Years

Up to 90% List Price + Tax

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

Used 2019 - 2018

9 to 10 Years

Up to 90% List Price + Tax

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

Used 2019 - 2018

11 to 15 Years

Up to 90% List Price + Tax

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

Used 2017 & Older

Up to 5 Years

Up to 90% List Price + Tax

7.74%**^

Used 2017 & Older

6 to 8 Years

Up to 90% List Price + Tax

9.74%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2017 & Older

9 to 10 Years

Up to 90% List Price + Tax

11.74%**^ (Minimum Loan Amount / RV Value of $20,000)

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

***Annual Percentage Rate

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

Powersports(ATV/UTV, Four Wheeler, Jet Ski, Snowmobile)

Rates - APR ***

New

Up to 5 Years

Up to 100% List Price

6.24%**^

New

6 to 7 Years

Up to 100% List Price

7.24%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2021 - 2020

Up to 5 Years

Up to 100% List Price

6.74%**^

Used 2021 - 2020

6 to 7 Years

Up to 100% List Price + Tax

7.74%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2019 - 2018

Up to 4 Years

Up to 90% List Price + Tax

7.74%**^

Used 2019 - 2018

5 to 6 Years

Up to 90% List Price + Tax

8.74%**^ (Minimum Loan Amount / RV Value of $10,000)

Used 2017 & Older

Up to 3 Years

Up to 90% List Price + Tax

8.24%**^

Used 2017 & Older

4 to 5 Years

Up to 90% List Price + Tax

9.24%**^ (Minimum Loan Amount / RV Value of $10,000)

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**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 11/09/2022)

Rates are subject to change without notice

Home Equity Rates

Rates - APR ***

Line Of Credit

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

$10,000 - $250,000

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

Fixed

5 Years

$10,000 - $250,000

6.25%^ (1st Lien Position)

Fixed

10 Years

$10,000 - $250,000

6.50%^ (1st Lien Position)

Fixed

15 Years

$10,000 - $250,000

6.75%^ (1st Lien Position)

Fixed

20 Years

$10,000 - $250,000

7.00%^ (1st Lien Position)

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$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 November 3, 2022: 7.00%

Mortgages

Many Programs Available

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