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

(The APY is accurate as of 07/01/2025)

Rates are subject to change without notice

Share Certificates

Account Type

Dividend Rate

APY

Remarks

6 Month

3.55%

3.61%

Credit Monthly

9 Month

3.60%

3.67%

Credit Monthly

1 Year

3.70%

3.77%

Credit at Maturity

2 Year

3.55%

3.61%

Credit Quarterly

3 Year

3.40%

3.46%

Credit Quarterly

4 Year

3.35%

3.41%

Credit Quarterly

5 Year

3.25%

3.30%

Credit Quarterly

$500 Minimum Balance Required

Interest Compounded Daily

APY = Annual Percentage Yield

*Penalty for early withdrawal

(The APY is accurate as of 07/01/2025)

Rates are subject to change without notice

Deposits

Regular Savings

0.10%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Special Savings

0.10%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Christmas Club

0.10%

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 07/01/2025)

Rates are subject to change without notice

MONEY MARKET

Money Market

0.30%

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

Money Market

0.40%

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

Money Market

0.50%

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

Money Market

0.65%

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

Money Market

1.05%

1.06%

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

Money Market

1.45%

1.46%

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

Money Market

1.80%

1.81%

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

Money Market

2.80%

2.84%

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

APY = Annual Percentage Yield

(The APY is accurate as of 07/01/2025)

Rates are subject to change without notice

Deposits

IRA Shares

0.10%

Minimum $5.00 Average Daily Balance Quarterly Compound

1 Year Certificate

3.70%

3.77%

Minimum $500 Credit Quarterly Compound Daily

2 Year Certificate

3.55%

3.61%

Minimum $500 Credit Quarterly Compound Daily

3 Year Certificate

3.40%

3.46%

Minimum $500 Credit Quarterly Compound Daily

4 Year Certificate

3.35%

3.41%

Minimum $500 Credit Quarterly Compound Daily

5 Year Certificate

3.25%

3.30%

Minimum $500 Credit Quarterly Compound Daily

APY = Annual Percentage Yield

*Penalty for early withdraw

(The APY is accurate as of 07/01/2025)

Rates are subject to change without notice

Auto Rates

Apply Now

2022 & Newer

Up to 5 Years

Up to 100% NADA + Tax + Warranty

6.35%**^

2022 & Newer

6 Years

Up to 100% NADA + Tax + Warranty

7.10%**^

2022 & Newer

7 Years

Up to 100% NADA + Tax + Warranty

7.85%**^

2021-2019

Up To 5 Years

Up to 100% NADA + Tax + Warranty

6.50%**^

2021-2019

6 Years

Up to 100% NADA + Tax + Warranty

7.25%**^

2018 - Older

4 Years

Up to 100% NADA + Tax + Warranty

8.75%**^

2018 - Older

Up To 3 Years

Up to 100% NADA + Tax + Warranty

8.00%**^

Payment ex: $20,000 @ 7.10%APR*** for 6 years= $343.08 per month...Estimated payment without additional fees, options, etc.

New or Used Auto Terms (2023 or Newer) greater than 5 years require loans amount/vehicle value of $20,000 or more.

Used Auto Terms (2022 or 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 06/01/2025)

Rates are subject to change without notice

Personal

Apply Now

Personal Unsecured Loan

Up To 5 Years

$42,000 Per Member

12.65%**^

Personal Unsecured Loan

Up To 6 Years

$42,000 Per Member

14.65%**^

Personal Unsecured Loan

Up to 7 Years

$42,000 Per Member

16.65%**^

Personal Line of Credit

Revolving

$10,000 Per Member

Variable Rate as Low as 12.65%^

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 06/01/2025)

Rates are subject to change without notice

Recreational Vehicles-Boat & Camper

Apply Now

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 2024-2023

Up to 5 Years

Up to 100% List Price + Tax

7.24%**^

Used 2024-2023

6 to 8 Years

Up to 100% List Price + Tax

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

Used 2024-2023

9 to 10 Years

Up to 100% List Price + Tax

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

Used 2024-2023

11 to 15 Years

Up to 100% List Price + Tax

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

Used 2022-2021

Up to 5 Years

Up to 90% List Price + Tax

8.24%**^

Used 2022-2021

6 to 8 Years

Up to 90% List Price + Tax

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

Used 2022-2021

9 to 10 Years

Up to 90% List Price + Tax

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

Used 2022-2021

11 to 15 Years

Up to 90% List Price + Tax

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

Used 2020 & Older

Up to 5 Years

Up to 90% List Price + Tax

8.74%**^

Used 2020 & Older

6 to 8 Years

Up to 90% List Price + Tax

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

Used 2020 & 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 06/01/2025)

Rates are subject to change without notice

Recreational Vehicles-Boat & Camper

Apply Now

2025 and Newer

Up to 5 Years

Up to 100% List Price + Tax

6.40%**

2025 and Newer

6 to 9 Years

Up to 100% List Price + Tax

8.40%** ^($40,000.00 Minimum Loan Amount

2025 and Newer

10 to 15 Years

Up to 100% List Price + Tax

9.15%** ^($40,000.00 Minimum Loan Amount

Used 2024-2023

Up to 5 Years

Up to 100% List Price + Tax

7.24%**

Used 2024-2023

6 to 9 Years

Up to 100% List Price + Tax

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

Used 2024-2023

10 to 15 Years

Up to 100% List Price + Tax

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

Used 2022-2021

Up to 5 Years

Up to 90% List Price + Tax

8.24%**

Used 2022-2021

6 to 9 Years

Up to 90% List Price + Tax

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

Used 2022-2021

10 to 15 Years

Up to 90% List Price + Tax

11.24%** ^($30,000.00 Minimum Loan Amount

Used 2020 & Older

Up to 5 Years

Up to 90% List Price + Tax

10.24%**

Used 2020 & Older

6 to 10 Years

Up to 90% List Price + Tax

12.74%** ^($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 06/01/2025)

Rates are subject to change without notice

Powersports

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 2024-2023

Up to 5 Years

Up to 100% List Price

7.74%**^

Used 2024-2023

6 to 7 Years

Up to 100% List Price + Tax

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

Used 2022-2021

Up to 4 Years

Up to 90% List Price + Tax

8.74%**^

Used 2022-2021

5 to 6 Years

Up to 90% List Price + Tax

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

Used 2020 & Older

Up to 3 Years

Up to 90% List Price + Tax

9.24%**^

Used 2020 & 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 07/01/2025)

Rates are subject to change without notice

Real Estate

Apply Now

Line Of Credit

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

$10,000 - $400,000

Variable Rate Prime + 0% for life of loan. Minimum rate of 4%

Fixed

5 Years

$10,000 - $400,000

6.75%^ (1st Lien Position)

Fixed

10 Years

$10,000 - $400,000

7.00%^ (1st Lien Position)

Fixed

15 Years

$10,000 - $400,000

7.20%^ (1st Lien Position)

Fixed

20 Years

$10,000 - $400,000

7.40%^ (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 December 19, 2024: 7.50%APR