Rates

Auto/Motorcycle Fixed Loan Rates

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Financing Up to 115% of MSRP or NADA Clean Retail — Including tax, title and warranty products.^
All loans must be current & have satisfactory payment history.
New = never titled and less than 12,000 miles, Used = previously titled.
^~ New and Used Motorcycle loans are limited to 60 months.
^{^} Other conditions may apply.
*Late Model is considered older than 10 model years. Financing up to 100% of NADA Clean Retail - Including tax, title and warranty products. Other conditions may apply.

Home Equity Line-of-Credit

CLTV = Combined Loan to Value.
^†Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly.
^§Variable rate is based on The Wall Street Journal Prime minus .50%. Rate adjusted monthly.
^oOn average, closing costs are approximately $1,000 but may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the deductibility of interest and charges. FedChoice will pay up to $500 towards closing costs. Other conditions apply.

Leisure Vehicles

^†Includes Personal Watercraft and Snowmobiles.

*Annual Percentage Rate.
**APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply.

Line-of-Credit

^† Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Share Secured Loans

Amount of shares securing the loan must be in Main Share Savings Account.
^† Rate based on the cost of funds plus 3%. (Cost of funds is the basic savings account dividend rate for balances >= $2,500.00.) Rate adjusted semi-annually.
^§ Minimum loan amount $300.00/Maximum loan amount $50,000.00

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Signature Loans

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Smart Choice Home Equity Loans

^#Closing cost assistance when your payment is automatically deducted from your FedChoice Federal Credit Union account and your loan is open for three years. If the loan is closed before three years, the member will be required to reimburse FedChoice for all costs paid on their behalf. The cost of required property insurance, however, must be covered by the member. Otherwise, on average, closing costs typically range from $600 - $800 but may vary depending upon the amount of the loan, terms, property value, etc. FedChoice will cover up to $500 in closing costs (not including property insurance).
^* Annual Percentage Rate.
Owner-occupied primary residence only. Available in Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania and Virginia. 1st or 2nd lien, no pre-payment penalty.
^† Borrow $5,000 to $250,000.
^‡ Borrow $10,000 to $250,000.
^{^} 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%.
^± Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans.

Smart Choice Plus

^# Closing cost assistance when your payment is automatically deducted from your FedChoice Federal Credit Union account and your loan is open for three years. If the loan is closed before three years, the member will be required to reimburse FedChoice for all costs paid on their behalf. The cost of required property insurance, however, must be covered by the member. Otherwise, on average, closing costs typically range from $600 - $800 but may vary depending upon the amount of the loan, terms, property value, etc. FedChoice will cover up to $500 in closing costs (not including property insurance). Owner-occupied primary residence only. Available in Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania and Virginia. 2nd lien only; no pre-payment penalty.
^† Borrow $10,000 to $50,000. Amount varies depending upon the member’s credit score. Maximum of $50,000 aggregate unsecured credit/member.
^{^} CLTV = Combined Loan-to-Value.
^* APR = Annual Percentage Rate.
^~ Starting as low as 9.25%. APR is based on evaluation of applicant's credit at time of application. Your actual APR may vary. FedChoice Federal Credit Union's normal underwriting requirements apply.

VISA® Credit Card Rates

* APR = Annual Percentage Rate. APR is based on evaluation of applicant’s credit at time of application. Actual APR may vary. FedChoice Federal Credit Union’s normal underwriting requirements apply.
^~ Cash advances and transfers do not qualify for Platinum Rewards points. Points can be redeemed for a variety of travel and merchandise awards, but NOT cash.
^†† Variable rate is based on The Wall Street Journal Prime plus 3.50% to 9.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.
^{^} The special VISA^® Gold Introductory Rate applies to purchases, balance transfers and cash advances and will remain in effect for six (6) billing cycles from the date the credit card is issued. Thereafter, the rate will revert to the regular fixed rate of 9.46% -18.00% APR as determined by an evaluation of your credit. The introductory rate is not available to members who currently have a FedChoice credit card or have had one in the past three months.
^† Variable rate is based on The Wall Street Journal Prime plus 7.00% - rate adjusted semi-annually. Share Secured VISA^® requires a deposit of 110% of credit limit.

Checking Accounts

^§Dividends Compounded and Credited: Quarterly
Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Financial Advisory Center to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Account

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Coverdell ESA Share Certificate

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

IRA Share Account

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

IRA Term Certificates

Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Money Markets

Dividends Compounded and Credited: Monthly
Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures.
*Fees: Refer to Service Fees.

^†Earn More Money Market = FedChoice Federal Credit Union checking account with Money Market - Money Market earns an extra .25% BONUS

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Savings Accounts

Dividends Compounded and Credited Quarterly. Dividends are paid from current income and available earnings, after required transfers to reserves after the end of the dividend period.

Minimum Balance For Dividends: $0.01 Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

^†Holiday Club accounts mature October 31st of each year. Funds will transfer to the account that you have specified.

*Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

Share Certificate

Term Certificate accounts may be subject to penalties for early withdrawal.

*Rates quoted as Annual Percentage Yield (APY). Any APY provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.