The APY is accurate as of 6/1/17—Certain accounts may be non-interest
INTEREST RATES
bearing –Please see a Member Service Representative for more details. Rates
subject to change after account opening.
Account Type
Dividend
Rate
APY±
Remarks
Regular Savings
.05%
.05%
Minimum $5.00
Average Daily Bal.
Compound Quarterly
Special Savings
.05%
.05%
Minimum $5.00
Average Daily Bal.
Compound Quarterly
Christmas Club
.05%
.05%
Minimum $5.00
Average Daily Bal.
Compound Quarterly
Free Checking
Money Market
June 2017
No Dividend
.15%
.15%
Balance $0-$5,000
.20%
.20%
Bal $5,000.01-25,000
.25%
.25%
Bal over $25,000.01
Average Daily Balance
Compound Monthly
First Choice Financial
Federal Credit Union
Gloversville Locations:
Main Office 518-725-3191
Share Certificates – min. deposit $500 required-Interest compounded daily
6 Month
.35%
.35%
Credit Monthly
1 Year
.55%
.55%
Credit at Maturity
2 Year
.70%
.70%
Credit Quarterly
3 Year
1.05%
1.06%
4 Year
1.30%
1.31%
Credit Quarterly
Credit Quarterly
Credit Quarterly
5 Year
1.55%
1.56%
355 Hales Mills Road
Lobby Hours:
Monday-Friday 9am-5pm
Saturday 9am-Noon
Drive Thru Teller Hours:
Monday-Thursday
8:30am-5pm
Friday 8:30am-6pm
Saturday 9am-Noon
Branch Office 518-725-4413
Individual Retirement Account (IRA)†
IRA Share
.05%
.05%
1 Year Certificate¡
.55%
.55%
2 Year Certificate¡
.70%
.70%
3 Year Certificate¡
1.05%
1.06%
4 Year Certificate¡
1.30%
1.31%
5 Year Certificate¡
1.55%
1.56%
Located Inside WalMart Supercenter
Minimum $5.00
Average Daily Balance
Quarterly Compound
Monday-Wednesday 10am-6pm
Thursday, Friday 9am-7pm
Saturday 9am-3pm
¡IRA Certificates:
Minimum $500
Credit Quarterly
Compound Daily
† PENALTY FOR EARLY WITHDRAWAL ON CERTIFICATES AND IRA CERTIFICATES
±APY= Annual Percentage Yield
Federally Insured by NCUA
Savings

Certificates of Deposit 

Regular Savings

Christmas Club

Checking

Money Market
Individual Retirement Accounts
Loans

VISA Credit Cards

Mortgages

Personal

Home Equity

New/Used Auto

Open End

New/Used RV

Overdraft
First Choice Financial Federal CU
“You Belong Here”
Loan Rates Effective 6/1/17 -Rates subject to change without notice
Loan
Type
Terms
Finance
Limits
Rates
APR***
Unsecured
#Personal
$10,000
$10,000
5 yrs.
3 yrs.
Per Member
Per Member
#Personal
Line of Credit
$10,000
Revolving
Per Member
Overdraft
$2,000
Revolving
Per Member
15.00%
7 yrs.
Per Household
10.99%
#Special
Home
Improvement
7.99%**
5.99%**
Variable Rate as low as
9.25%
Loan
Type
# New Auto
Terms
10 yrs.
Variable Rate-Add 3 pts. +
Share-Minimum rate of 3%
2017 &
Newer
Many Programs Available—Inquire at Mortgage Dept. Or
www.fcfinancialcu.org— “Click” on Mortgage Web Center
$10,000$250,000
#Fixed
2.49%**
2.74%**
100% + Tax
+ Warranty
# Used Auto
2017
5 yrs
6 yrs
Up to 100%
NADA + Tax
+ Warranty
2.49%**
2.74%**
2016 – 2015
3 yrs
4 yrs
5 yrs
Up to 100%
NADA + Tax
+Warranty
2.49%**
2.49%**
2.99%**
2014 – Older
3 yrs
4 yrs
5yrs****
Up to 100%
NADA + Tax
+ Warranty
2.49%**
2.49%**
2.99%**
****NADA value must be greater than $10,000 to be eligible
Recreational Vehicle (Boat & Camper)
Home Equity
#Line of
Credit
5 yrs
6 yrs
A 2016 with no previous owner may be considered NEW. Terms greater than 5 yrs.
require vehicle value of $15,000. *Approx. payment w/o additional fees, options, etc.
Real Estate
Mortgages
Rates
APR***
Payment ex: $20,[email protected]%APR for 5yrs= $355./mo.*
VISA Applications Available at Credit Union or On-Line
Share Secured
Finance
Limits
$10,000$250,000
√$20,000 Min. loan amount
required to qualify for promo
15 Yrs. Up to
80% of
Appraisal
Less
1st Mortgage
Variable rate
Prime + 0%-For Life of Loan
Minimum rate of 4%
5 Yrs.
10 Yrs.
15 Yrs.
3.50%√
4.00%√
5.00%√
New/Used Auto Promotion!
Rate As Low As
# New-Loan amount
must be $10,000 or
more to go to 8 Years+
Up to
10 yrs
Up to 100%
List Price
# Used-Loan amount
must be $10,000 or
more to go to 8 Years+
Up to
10 yrs
Up to 90%
List Price
3.99%**
Add 0.50% to rate for
each Year 6-10
2016-2015
Up to 10 yrs
Add 0.50% to Rate for Each Year 6-10
4.99%**
2014-2013
Up to 10 yrs
Add 0.50% to Rate for Each Year 5-10
5.50%**
2012 & Older
Up to 10 yrs
Add 0.50% to Rate for Each Year 4-10
6.00%**
Sport Recreational (ATV/UTV, Four Wheeler, Jet Ski, Snowmobile)
Mortgages!
We offer a variety of mortgage loan
programs and services designed to
fit your individual needs:
■
■
■
■
■
Great Low Rates
Fast Approvals
Low down payments
Low closing costs (if applicable)
Friendly, Local Service
# New-Loan amount
must be $10,000 or
more to go to 6 Years+
Up to
7 yrs
Up to 100%
List Price
3.99%**
Add 0.50% to rate for
each Year 6-7
# Used-Finance up to 90% List Price
2016-2015
Up to 7 yrs
Add 0.50% to Rate for Each Year 6-7
Loan amount must be $10,000 or more to go to 6 Years+
4.99%**
2014-2013
Up to 6 yrs
Add 0.50% to Rate for Each Year 5-6
Loan amount must be $10,000 or more to go to 5 Years+
5.50%**
2012 & Older
Up to 5 yrs
Add 0.50% to Rate for Each Year 4-5
Loan amount must be $10,000 or more to go to 4 Years+
6.00%**
#Rate beginning as low as posted-based on credit
qualifications & Loan Term.
**Rate includes a .25% discount for automatic payment
***Annual Percentage Rate