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

(The APY is accurate as of 08/01/2022)

Rates are subject to change without notice

Checking/Savings Account Rates

Regular Savings

0.03%

0.03%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Special Savings

0.03%

0.03%

Minimum $5.00 Average Daily Bal. Compound Quarterly

Christmas Club

0.03%

0.03%

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

0.10%

0.10%

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

Money Market

0.15%

0.15%

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

Money Market

0.20%

0.20%

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

0.03%

0.03%

Minimum $5.00 Average Daily Balance Quarterly Compound

1 Year Certificate

0.75%

0.75%

Minimum $500 Credit Quarterly Compound Daily

2 Year Certificate

1.00%

1.00%

Minimum $500 Credit Quarterly Compound Daily

3 Year Certificate

1.25%

1.25%

Minimum $500 Credit Quarterly Compound Daily

4 Year Certificate

1.50%

1.50%

Minimum $500 Credit Quarterly Compound Daily

5 Year Certificate

1.50%

1.50%

Minimum $500 Credit Quarterly Compound Daily

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APY = Annual Percentage Yield

*Penalty for early withdraw

(The APY is accurate as of 08/01/2022)

Rates are subject to change without notice

Share Certificates

6 Month

0.60%

0.60%

Credit Monthly

1 Year

0.75%

0.75%

Credit at Maturity

2 Year

1.00%

1.00%

Credit Quarterly

3 Year

1.25%

1.25%

Credit Quarterly

4 Year

1.50%

1.50%

Credit Quarterly

5 Year

1.50%

1.50%

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 08/01/2022)

Rates are subject to change without notice

Auto Loan Rates

Rates - APR ***

2022 & Newer

Up to 4 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 & Newer

5 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 & Newer

6 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 & Newer

7 Years

Up to 100% NADA + Tax + Warranty

4.25%**^

2022 - 2021

Up To 4 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 - 2021

5 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 - 2021

6 Years

Up to 100% NADA + Tax + Warranty

3.50%**^

2022 - 2021

7 Years

Up to 100% NADA + Tax + Warranty

4.25%**^

2020 - 2019

Up To 4 Years

Up to 100% NADA + Tax + Warranty

4.00%**^

2020 - 2019

5 Years

Up to 100% NADA + Tax + Warranty

4.00%**^

2020 - 2019

6 Years

Up to 100% NADA + Tax + Warranty

4.75%**^

2018 - Older

Up To 4 Years

Up to 100% NADA + Tax + Warranty

4.50%**^

2018 - Older

5 Years

Up to 100% NADA + Tax + Warranty

5.25%**^

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Payment ex: $20,000 @ 3.50%APR*** for 6 years= $308.54 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

8.99%**^

Personal Unsecured Loan

Up To 6 Years

$42,000 Per Member

10.99%**^

Personal Unsecured Loan

Up to 7 Years

$42,000 Per Member

11.99%**^

Personal Line of Credit

Revolving

$10,000 Per Member

Variable Rate as Low as 10.75%^

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

3.99%**^

New

6 to 8 Years

Up to 100% List Price + Tax

4.99%**^ (Minimum Loan Amount / RV Value of $20,000)

New

9 to 10 Years

Up to 100% List Price + Tax

5.99%**^ ( Minimum Loan Amount / RV Value of $25,000)

New

11 to 15 Years

Up to 100% List Price + Tax

5.99%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2021 - 2020

Up to 5 Years

Up to 100% List Price + Tax

4.49%**^

Used 2021 - 2020

6 to 8 Years

Up to 100% List Price + Tax

5.49%**^ (Minimum Loan Amount / RV Value of $20,000)

Used 2021 - 2020

9 to 10 Years

Up to 100% List Price + Tax

6.24%**^ (Minimum Loan Amount / RV Value of $25,000)

Used 2021 - 2020

11 to 15 Years

Up to 100% List Price + Tax

6.24%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2019 - 2018

Up to 5 Years

Up to 90% List Price + Tax

5.49%**^

Used 2019 - 2018

6 to 8 Years

Up to 90% List Price + Tax

6.49%**^ (Minimum Loan Amount / RV Value of $20,000)

Used 2019 - 2018

9 to 10 Years

Up to 90% List Price + Tax

7.49%**^ (Minimum Loan Amount / RV Value of $25,000)

Used 2019 - 2018

11 to 15 Years

Up to 90% List Price + Tax

8.49%**^ (Minimum Loan Amount / RV Value of $30,000)

Used 2017 & Older

Up to 5 Years

Up to 90% List Price + Tax

5.99%**^

Used 2017 & Older

6 to 8 Years

Up to 90% List Price + Tax

7.99%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2017 & Older

9 to 10 Years

Up to 90% List Price + Tax

9.99%**^ (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

4.49%**^

New

6 to 7 Years

Up to 100% List Price

5.49%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2021 - 2020

Up to 5 Years

Up to 100% List Price

4.99%**^

Used 2021 - 2020

6 to 7 Years

Up to 100% List Price + Tax

5.99%**^ (Minimum Loan Amount / RV Value of $15,000)

Used 2019 - 2018

Up to 4 Years

Up to 90% List Price + Tax

5.99%**^

Used 2019 - 2018

5 to 6 Years

Up to 90% List Price + Tax

6.99%**^ (Minimum Loan Amount / RV Value of $10,000)

Used 2017 & Older

Up to 3 Years

Up to 90% List Price + Tax

6.49%**^

Used 2017 & Older

4 to 5 Years

Up to 90% List Price + Tax

7.49%**^ (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 08/01/2022)

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

4.75%^ (1st Lien Position)

Fixed

10 Years

$10,000 - $250,000

5.00%^ (1st Lien Position)

Fixed

15 Years

$10,000 - $250,000

5.50%^ (1st Lien Position)

Fixed

20 Years

$10,000 - $250,000

5.75%^ (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 July 28, 2022: 5.50%

Mortgages

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Inquire at Mortgage Dept.

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