Fedchoice Federal Credit Union - Altogether Better

 

Rates

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Loan Rates

Auto/Motorcycle Fixed Loan Rates

Auto/Motorcycle~ Fixed Loan Rates
Model Year
Loan Amount
Term
APR* as low as**
New $5,000 min up to 60 mos. 1.99%
New $15,000 min 61 to 84 mos.~ 2.49%
Used/Refinanced $5,000 min up to 60 mos. 1.99%
Used/Refinanced $15,000 min 61 to 72 mos.~ 2.49%

 

Home Equity Line-of-Credit

Home Equity Line-of-Credit - Variable Interest Rates With Closing Cost Assistance!#
Loan Type
Term
APR*
Gold (90% CLTV)†o Revolving 3.50%
Classic (90% CLTV)§o Revolving 3.00%

 

Leisure Vehicles

Leisure Vehicles
Loan Type
Loan Amount
Term
APR* as low as**
Boat, RV $15,000 min up to 84 mos. 3.95%
Boat, RV $40,000 min 85 to 120 mos. 5.25%
Boat, RV $40,000 min 121 to 144 mos. 5.75%

 

Line-of-Credit

Line-of-Credit
Loan Amounts $300 to $20,000
Loan Type
APR* as low as**
Instant Access Line-of-Credit (variable) 7.00%

 

Share Secured Loans

Share Secured Loans
Loan Type
Term
APR* 
Share Secured Loan (variable)†§ up to 84 mos. 3.25%

 

Signature Loans

Signature Loans
Loan Amounts to $20,000
Rate Type
Loan Amount
Term
APR* as low as**
Fixed $500 min up to 36 months 7.50%
Fixed $2,000 min 37 to 60 months 8.50%

 

Smart Choice Home Equity Loans

Smart Choice Home Equity Loans -
Fixed Interest Rates With Closing Cost Assistance!#
Loan Type
Term
APR*
5 Year (80% LTV)†^ 60 months 3.50%
5 Year (90% CLTV)†± 60 months 4.50%
10 Year (80% LTV)‡^ 120 months 4.25%
10 Year (90% CLTV)ౠ120 months 5.25%
15 Year (80% LTV)‡^ 180 months 4.65%
15 Year (90% CLTV)ౠ180 months 5.65%

 

Smart Choice Plus

Smart Choice Plus - Fixed Interest Rates With Closing Cost Assistance!#
Loan Type
Term
APR* as low as**
10 Year (up to 125% CLTV)†^ 120 months 9.00%~

 

VISA® Credit Card Rates

VISA® Credit Card Rates
Terms
VISA® PLATINUM with Rewards
VISA® Gold
VISA® Share Secured
Special Features
Introductory Fixed Rate of
2.99% APR^
Effective for the first six billing cycles
APR* For Purchases
Variable Rate As low as 
7.00%††
Fixed Rate from
9.48% - 18.00%
Variable Rate 
currently at 10.50%
Method Of Computing the Balance For Purchases
Average 
Daily Balance
APR* For Cash Advances
Variable Rate††
Fixed Rate
9.48% - 18.00%
Variable Rate
Transaction Fee For Purchases
None
Credit Limit
$5,000 to $50,000
$500 to $35,000
$300 to $5,000
Grace Period For Repayment Of the Balance For Purchases
You have 27 days to repay your balance before being charged a finance charge.
Annual Fee
None

 

Deposit Rates

Checking Accounts

Checking Accounts
Type of Account Minimum Daily Balance to Earn Declared Rate APY*
Premium Checking§ $1,500 0.10%

 

Coverdell ESA Share Account

Coverdell ESA Share Account Rates
Type of Account Minimum Opening
Balance
Minimum Daily
Balance to Earn
Declared Rate
APY*
Coverdell Education
Savings Account
$100.00 $100.00 to
$1,500.00
0.25%
  $1,500.01 $1,500.01 to
$20,000.00
0.35%
  $20,000.01 $20,000.01
and above
0.45%

 

Coverdell ESA Share Certificate

Coverdell ESA Share Certificate  
Term Minimum Opening
Balance
Dividends Compounded / 
Credited
APY* Earn More
APY**
18 Month† $250.00 Monthly 0.40% 0.65%

 

IRA Share Account

IRA Share Account Rates
Choose From Traditional IRA * Roth IRA * SEP IRA
Type of Account Minimum Opening
Balance
Minimum Daily
Balance to Earn
Declared Rate
APY*
ROTH, SEP, 
Traditional IRA
Share Accounts
$100.00 $100.00 to
$1,500.00
0.25%
  $1,500.01 $1,500.01 to
$20,000.00
0.35%
  $20,000.01 $20,000.01
and above
0.45%

 

IRA Term Certificates

IRA Term Certificates
Choose From Traditional IRA * Roth IRA * SEP IRA  
Term Minimum Opening
Balance
Dividends Compounded /
Credited
APY* Earn More
APY*
18 Month
IRA
$500 Monthly 0.40% 0.65%
18 Month
IRA Mini-Jumbo
$50,000 Monthly 0.45% 0.70%
18 Month
ROTH IRA
$500 Monthly 0.40% 0.65%
18 Month
ROTH IRA Mini-Jumbo
$50,000 Monthly 0.45% 0.70%
18 Month
SEP IRA
$500 Monthly 0.40% 0.65%
18 Month
SEP IRA Mini-Jumbo
$50,000 Monthly 0.45% 0.70%
60 Month
IRA
$500 Monthly 1.75% 2.00%
60 Month
IRA Mini-Jumbo
$50,000 Monthly 1.80% 2.05%
60 Month
ROTH IRA
$500 Monthly 1.75% 2.00%
60 Month
ROTH IRA Mini-Jumbo
$50,000 Monthly 1.80% 2.05%
60 Month
SEP IRA
$500 Monthly 1.75% 2.00%
60 Month
SEP IRA Mini-Jumbo
$50,000 Monthly 1.80% 2.05%

 

Money Markets

Money Markets
Type of Account Minimum Opening Balance Minimum Daily Balance
to
Earn Declared Rate
APY* Earn More
Money Market $1,500.00 $1,500.00 to $20,000.00 0.05% 0.30%
  $20,000.01 $20,000.01 to $50,000.00 0.05% 0.30%
  $50,000.01 $50,000.01 to $100,000.00 0.15% 0.40%
  $100,000.01 $100,000.01 & Over 0.15% 0.40%

 

Savings Accounts

Savings Accounts
Type of Account Minimum Opening Balance Minimum Daily Balance to 
Earn Declared Rate
APY*
Main Share Savings $50.00 $50.00 to $2,500.00 0.15%
    $2,500.01 & Over 0.25%
Special Savings Accounts $0.00 $50.00 to $2,500.00 0.15%
    $2,500.01 & Over 0.25%
Holiday Club $0.00 $50.00 to $2,500.00 0.15%
    $2,500.01 & Over 0.25%

 

Share Certificate

Share Certificate Rates  
Term Dividends Compounded /
Credited
Rate Tiers APY* Earn More
APY**
6 Months Regular Quarterly $500 - $49,999 0.25% 0.50%
Mini-Jumbo   $50,000 and above 0.30% 0.55%
12 Months Regular Quarterly $500 - $49,999 0.35% 0.60%
Mini-Jumbo   $50,000 and above 0.40% 0.65%
18 Months Regular Quarterly $500 - $49,999 0.40% 0.65%
Mini-Jumbo   $50,000 and above 0.45% 0.70%
24 Months Regular Quarterly $500 - $49,999 0.60% 0.85%
Mini-Jumbo   $50,000 and above 0.65% 0.90%
36 Months Regular Quarterly $500 - $49,999 0.75% 1.00%
Mini-Jumbo   $50,000 and above 0.80% 1.05%
48 Months Regular Quarterly $500 - $49,999 1.00% 1.25%
Mini-Jumbo   $50,000 and above 1.05% 1.30%
60 Months Regular Quarterly $500 - $49,999 1.75% 2.00%
Mini-Jumbo   $50,000 and above 1.80% 2.05%
$500 Minimum Opening Balance  

 



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