Rates

¹APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. 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 at closing.

²Rate discounts are not available for Home Equity, Home Equity Line of Credit, or MasterCard loans.

³Variable rate and subject to change.

⁴Purchases, balance transfers, and cash advances will be subject to the respective fixed APR of each card. The finance charge is imposed on cash advances, balance transfers, and convenience checks from the date of the transaction on your account. You have a 25-day grace period (no finance charge) on your purchase balance and for new purchases if you paid the total new balance for purchases on your last statement by the end of the grace period. Credit approval subject to membership eligibility, creditworthiness and other qualifications. Please see our application and disclosures for more details. Rates, terms and conditions subject to change.

Home Equity Rates

¹ APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. 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 at closing.

² Rate discounts are not available for Home Equity or Home Equity Line of Credit.

³Adjustable Rate. Prime Rate -1% for A+ Credit and -.75% A Credit. The maximum rate on a HELOC Adjustable is 16%.

⁴Non-Primary Residence will be .50% above applicable regular rate. A HELOC is not offered for Non-Primary Residence property.

⁵Payments do not include taxes and insurance which are the obligation of the borrower.

^{6A $50,000 loan, with a term of 15 years at 6.50% APR, would work out to a payment of $435.55 a month.}

⁷First Position indicates there will be no other lienholder other then First Choice Credit Union. If the applicant is not in First Position as indicated here the loan is a Second Position loan.

FIRST CHOICE CREDIT UNION IS AN EQUAL HOUSING LENDER

Rates/terms subject to change at the discretion of the FCCU Board of Directors. 9/1/2023
Quarter ending September 30, 2023

* Annual Percentage Yield (APY) rates shown are accurate and effective for the above accounts as of the effective date indicated. Certificate rates are fixed for the full term of the respective certificate. Fees or other conditions may reduce the earnings on the account. A penalty will be imposed for withdrawals before maturity. Please contact one of our member services representatives for more information about rates, terms and conditions. Certificate rates are accurate as of September 30, 2023.

** A penalty will be imposed for early withdrawals on all certificate accounts. Certificate terms are listed in months.

*Our Loan Payment Calculator is a tool used to estimate payments. Actual payment schedule may differ from what is shown here. Please contact us by email at msr@firstchoicecu.org or call (561) 641-0100 if you have any questions about current or future payments.