• Routing #: 221376186
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Security Warning: Unauthorized access or attempts to upload and/or change information on this website are strictly prohibited and subject to prosecution. It is our policy at First Choice Financial FCU to never request account and other confidential information via email. If you suspect an email message, or website to be of fraudulent activity, to be claiming to be affiliated with FCFFCU, and asking for confidential information, please contact us immediately at 518-725-3191.
Routing Number 221376186
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(The APY is accurate as of 10/01/2021)
Rates are subject to change without notice

Checking/Savings Account Rates
Account Type 
Dividend Rate 
APY 
Remarks 
 
Regular Savings0.03%0.03%Minimum $5.00 Average Daily Bal. Compound Quarterly...X
Special Savings0.03%0.03%Minimum $5.00 Average Daily Bal. Compound Quarterly...X
Christmas Club0.03%0.03%Minimum $5.00 Average Daily Bal. Compound Quarterly...X
Checking0.00%0.00%Dividend Not Available...X
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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
Account Type 
Dividend Rate 
APY 
Remarks 
 
Money Market0.10%0.10%Balance - $0 to $5,000 Average Daily Balance Compound Monthly ...X
Money Market0.15%0.15%Balance - $5,000.01 to $25,000 Average Daily Balance Compound Monthly...X
Money Market0.20%0.20%Balance Over $25,000.01 Average Daily Balance Compound Monthly...X
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APY = Annual Percentage Yield
Individual Retirement Accounts (IRA's)
Account Type 
Dividend Rate 
APY 
Remarks 
 
IRA Shares0.03%0.03%Minimum $5.00 Average Daily Balance Quarterly Compound...X
1 Year Certificate0.30%0.30%Minimum $500 Credit Quarterly Compound Daily...X
2 Year Certificate0.40%0.40%Minimum $500 Credit Quarterly Compound Daily...X
3 Year Certificate0.45%0.45%Minimum $500 Credit Quarterly Compound Daily...X
4 Year Certificate0.55%0.55%Minimum $500 Credit Quarterly Compound Daily...X
5 Year Certificate0.60%0.60%Minimum $500 Credit Quarterly Compound Daily...X
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APY = Annual Percentage Yield
*Penalty for early withdraw
(The APY is accurate as of 10/01/2021)
Rates are subject to change without notice

Share Certificates
Account Type 
Dividend Rate 
APY 
Remarks 
 
6 Month0.25%0.25%Credit Monthly...X
1 Year0.30%0.30%Credit at Maturity...X
2 Year0.40%0.40%Credit Quarterly...X
3 Year0.45%0.45%Credit Quarterly...X
4 Year0.55%0.55%Credit Quarterly...X
5 Year0.60%0.60%Credit Quarterly...X
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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 10/01/2021)
Rates are subject to change without notice

Auto Loan Rates

Apply Now
Loan Type 
Loan Term 
Comments 
Rates - APR *** 
 
2021 & Newer4 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 & Newer5 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 & Newer6 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 & Newer7 YearsUp to 100% NADA + Tax + Warranty2.74%**^...X
2021 - 2020Up To 4 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 - 20205 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 - 20206 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2021 - 20207 YearsUp to 100% NADA + Tax + Warranty2.74%**^...X
2019 - 2018Up To 4 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2019 - 20185 YearsUp to 100% NADA + Tax + Warranty1.99%**^...X
2019 - 20186 YearsUp to 100% NADA + Tax + Warranty2.74%**^...X
2017 - OlderUp To 4 YearsUp to 100% NADA + Tax + Warranty2.29%**^...X
2017 - Older5 YearsUp to 100% NADA + Tax + Warranty3.04%**^...X
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Payment ex: $20,000 @ 1.99%APR for 5 years= $350.47 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

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Loan Type 
Loan Term 
Comments 
Rates - APR *** 
 
Personal Unsecured LoanUp To 5 Years$42,000 Per Member5.99%**^...X
Personal Unsecured LoanUp To 6 Years$42,000 Per Member7.99%**^...X
Personal Unsecured LoanUp to 7 Years$42,000 Per Member9.99%**^...X
Personal Line of CreditRevolving$10,000 Per MemberVariable Rate as Low as 8.50%^...X
Overdraft Line of CreditRevolving$2,000 Per Member15.00%^...X
Variable Rate Share Secured10 Years Add 3 pts + Share Minimum Rate...X
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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)

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Loan Type 
Loan Term 
Comments 
Rates - APR *** 
 
NewUp to 5 YearsUp to 100% List Price + Tax3.99%**^...X
New6 to 10 YearsUp to 100% List Price + Tax4.49%**^ (Add 0.50% to Rate for Each Year 7 to 10)...X
Used 2020 - 2019Up to 5 YearsUp to 90% List Price + Tax4.99%**^...X
Used 2020 - 20196 to 10 YearsUp to 90% List Price + Tax5.49%**^ (Add 0.50% to Rate for Each Year 7 to 10)...X
Used 2018 - 2017Up to 4 YearsUp to 90% List Price + Tax5.50%**^...X
Used 2018 - 20175 to 10 YearsUp to 90% List Price + Tax6.00%**^ (Add 0.50% to Rate for Each Year 6 to 10)...X
Used 2016 & OlderUp to 3 YearsUp to 90% List Price + Tax6.00%**^...X
Used 2016 & Older4 to 10 YearsUp to 90% List Price + Tax6.50%**^ (Add 0.50% to Rate for Each Year 5 to 10)...X
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New/Used - Loan amount must be $10,000 or more for 8 thru 10 year loan terms.
**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)

Apply Now
Loan Type 
Loan Term 
Comments 
Rates - APR *** 
 
NewUp to 5 YearsUp to 100% List Price3.99%**^...X
New6 YearsUp to 100% List Price4.49%**^...X
New7 YearsUp to 100% List Price4.99%**^...X
Used 2020 - 2019Up to 5 YearsUp to 90% List Price + Tax4.99%**^...X
Used 2020 - 20196 YearsUp to 100% List Price + Tax5.49%**^...X
Used 2020 - 20197 YearsUp to 100% List Price + Tax5.99%**^...X
Used 2018 - 2017Up to 4 YearsUp to 100% List Price + Tax5.50%**^...X
Used 2018 - 20175 YearsUp to 100% List Price + Tax6.00%**^...X
Used 2018 - 20176 YearsUp to 100% List Price + Tax6.50%**^...X
Used 2016 & OlderUp to 3 YearsUp to 100% List Price + Tax6.00%**^...X
Used 2016 & Older4 YearsUp to 100% List Price + Tax6.50%**^...X
Used 2016 & Older5 YearsUp to 100% List Price + Tax7.00%**^...X
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New/Used - Loan amount must be $10,000 or more for 6 and 7 year loan terms.
Used:
(2017 - 2016) - Loan amount must be $10,000 or more for 5 and 6 year loan terms
(2015 & Older) - Loan amount must be $10,000 or more for 4 and 5 year loan terms
**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 10/01/2021)
Rates are subject to change without notice

Home Equity Rates

Apply Now
Loan Type 
Loan Term 
Comments 
Rates - APR *** 
 
Line Of Credit15 Yrs (Up to 80% of Appraisal Less 1st Mortgage)$10,000 - $250,000Intro Rate 3.25%^ for 36 Months then Prime + 0% Minimum Rate of 4%...X
Fixed5 Years$10,000 - $250,0003.50%^ (1st Lien Position)...X
Fixed10 Years$10,000 - $250,0003.50%^ (1st Lien Position)...X
Fixed15 Years$10,000 - $250,0003.50%^ (1st Lien Position)...X
Fixed20 Years$10,000 - $250,0003.50%^ (1st Lien Position)...X
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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 March 16, 2020: 3.25%


Mortgages

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Inquire at Mortgage Dept.

"Click Here" to access Mortgage Web Center
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