All Rates

All Current Rates

Deposit Rates

Checking Accounts

Effective Date: October 1 - December 31, 2024

Type of Account	Minimum Daily Balance to Earn Declared Rate	APY*
Premium Checking§	$1,500	0.15%
High Yield Checking^	$0	4.00%
§Dividends Compounded and Credited: Quarterly Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. ^For High Yield Checking accounts, you may qualify for higher dividend rate and annual percentage yield if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements you must; a) make 15 debit card transactions totaling $500.00 that post and settle your account; and b) be enrolled to receive eStatements. The monthly qualification cycle is defined as the beginning of the month to the last day of the month. All debit card transactions must post and settle to your account during the monthly qualifications cycle to qualify for higher dividend rate and annual percentage yield. You will not receive dividends on any balance greater than $10,000.00 or if you do not meet the minimum qualification requirements. Rate subject to change after account opening. Dividends are paid monthly. *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 Member Care 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.

Type of Account

Minimum Daily Balance to Earn Declared Rate

APY*

Premium Checking§

$1,500

0.15%

High Yield Checking^

4.00%

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

^For High Yield Checking accounts, you may qualify for higher dividend rate and annual percentage yield if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements you must; a) make 15 debit card transactions totaling $500.00 that post and settle your account; and b) be enrolled to receive eStatements. The monthly qualification cycle is defined as the beginning of the month to the last day of the month. All debit card transactions must post and settle to your account during the monthly qualifications cycle to qualify for higher dividend rate and annual percentage yield. You will not receive dividends on any balance greater than $10,000.00 or if you do not meet the minimum qualification requirements. Rate subject to change after account opening. Dividends are paid monthly.

*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 Member Care 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

Effective Date: November 1 - November 30, 2024

Minimum Opening Balance	Minimum Daily Balance to Earn Declared Rate	APY*
$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%
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

Effective Date: November 1 - November 30, 2024

Term	Minimum Opening Balance	Dividends Compounded/Credited	APY*	Earn More APY**
18 Month†	$250.00	Monthly	3.60%	3.85%
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.

Term

Minimum Opening Balance

Dividends Compounded/Credited

APY*

Earn More APY**

18 Month†

$250.00

Monthly

3.60%

3.85%

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

Effective Date: November 1 - November 30, 2024

Minimum Opening Balance	Minimum Daily Balance to Earn Declared Rate	APY*
$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%
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

Effective Date: November 1 - November 30, 2024

Term	Dividends Compounded/Credited	APY*	Earn More APY**
*Choose from Traditional IRA Roth IRA * SEP IRA**
$500 Minimum Opening Balance
18 Month^† IRA	Monthly	3.60%	3.85%
18 Month† Roth IRA	Monthly	3.60%	3.85%
18 Month† SEP IRA	Monthly	3.60%	3.85%
60 Month† IRA	Monthly	3.25%	3.50%
60 Month† Roth IRA	Monthly	3.25%	3.50%
60 Month† SEP IRA	Monthly	3.25%	3.50%
$50,000 Minimum Opening Balance
18 Month† IRA Mini-Jumbo	Monthly	3.65%	3.90%
18 Month† Roth IRA Mini-Jumbo	Monthly	3.65%	3.90%
18 Month† SEP IRA Mini-Jumbo	Monthly	3.65%	3.90%
60 Month† IRA Mini-Jumbo	Monthly	3.30%	3.55%
60 Month† Roth IRA Mini-Jumbo	Monthly	3.30%	3.55%
60 Month† SEP IRA Mini-Jumbo	Monthly	3.30%	3.55%
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. Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once 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

Effective Date: November 1 - November 30, 2024

Minimum Opening Balance	Minimum Daily Balance to Earn Declared Rate	APY*	Earn More†
$1,500.00	$1500.00 to $20,000.00	1.30%	1.40%
$20,000.01	$20,000.01 to $50,000.00	1.35%	1.45%
$50,000.01	$50,000.01 to $100,000.00	1.40%	1.50%
$100,000.01	$100,000.01 & Over	1.65%	1.75%
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 .10% 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

Effective Date: October 1 - December 31, 2024

Type of Account	Minimum Opening Balance	Minimum Daily Balance to Earn Declared Rate	APY*
Main Share Savings	$5.00	$50.00 & Over	0.20%
Special Savings Account	$0.00	$50.00 & Over	0.20%
Holiday Club^†	$0.00	$50.00 & Over	0.20%
Furlough Savings	$0.00	$50.00 & Over	0.35%
Dividends Compounded and Credited Quarterly. Minimum Balance For Dividends: $50.00 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 Certificates

Effective Date: November 1 - November 30, 2024

$500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms.

Term	APY*	Earn More APY**
$500 - $49,999
6 Months Regular	3.50%	3.75%
12 Months Regular	4.00%	4.25%
18 Months Regular	3.60%	3.85%
24 Months Regular	3.85%	4.10%
36 Months Regular	3.65%	3.90%
48 Months Regular	3.40%	3.65%
60 Months Regular	3.25%	3.50%
$50,000 and above
6 Months Mini-Jumbo	3.55%	3.80%
12 Months Mini-Jumbo	4.05%	4.30%
18 Months Mini-Jumbo	3.65%	3.90%
24 Months Mini-Jumbo	3.90%	4.15%
36 Months Mini-Jumbo	3.70%	3.95%
48 Months Mini-Jumbo	3.40%	3.65%
60 Months Mini-Jumbo	3.30%	3.55%
Special Offers
15 Month Share Certificate^ ($500-$50,000)	4.65%	n/a
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. ^{^} Not available for the Earn More rate even if the account has an associated checking account. Limited to two per member. Maximum allowed balance is $50,000. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. In the event that you qualify for Earn More at the time of renewal, it will be added. FedChoice Federal Credit Union reserves the right to discontinue this offer without further notice to you. 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.

Loan Rates

Auto/Motorcycle Fixed Loan Rates

Effective Date: November 1, 2024

Loan Amount

Term

APR* as low as**

New Vehicles

$5,000 min

up to 60 mos.

5.75%

$15,000 min

61 to 72 mos.~

6.00%

$15,000 min

73 to 84 mos.

7.00%

Used/Refinanced Vehicles

$5,000 min

up to 60 mos.

6.25%

$15,000 min

61 to 72 mos.~

6.50%

Late Model Used/Refinanced+

$3,000 min

up to 36 mos.

8.25%

If you don’t see what you need, please contact us to discuss how we can help you.
Financing Up to 125% 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.
*APR = Annual Percentage Rate
**APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
~ 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.


Age of Vehicle	Maximum Term/Dollar Value
Current to Five Years Old	Max. 72 months if over $15,000 Max. 60 months if over $5,000
Six and Seven Years Old	Max. 48 Months
Eight to Ten Years	Max. 36 Months
Over Ten Years Old	Max. 36 Months

Leisure Vehicle Loan Rates

Effective Date: November 1, 2024

Loan Amount	Term	APR* as low as**
$15,000 min	up to 84 mos.	9.25%
$40,000 min	85 to 120 mos.	10.50%
$40,000 min	121 to 144 mos.	11.00%
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. Not all will qualify for the lowest rate. Not all will be approved.

Signature Loan Fixed Rates

Effective Date: November 1, 2024

Loan Amounts to $35,000

Loan Amount	Term	APR* as low as**
$500 min	up to 36 months	9.75%
$2,000 min	37 to 60 months	11.75%
* Annual Percentage Rate ** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.

Line of Credit Loan Rates

Effective Date: November 1, 2024

Loan Amounts $300 to $20,000

Loan Type	APR* as low as**
Instant Line-of-Credit (variable)†	11.50%
† Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. * Annual Percentage Rate ** APR is based on evaluation of applicant's credit. Your actual APR may vary.

Loan Type

APR* as low as**

Instant Line-of-Credit (variable)†

11.50%

† Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved.

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

Share Secured Loans

Effective Date: November 1, 2024

Loan Type	Term	APR*
Share Secured Loan (variable)†§	up to 84 mos.	3.20%
Amount of funds 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. This loan is not eligible for discounts. § Minimum loan amount $300.00/Maximum loan amount $50,000.00 * Annual Percentage Rate

Home Equity Line of Credit

Effective Date: November 1, 2024

Loan Type	Term	APR* as low as**
Gold (90% CLTV)†o	Revolving	8.00%
Classic (90% CLTV)§o	Revolving	7.50%
CLTV = Combined Loan to Value. †Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Gold Home Equity Line-of-Credit is subject to a floor of 3.50% APR. With HELOC Gold, you have the option to pay Interest Only for the first 10 years. §Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Classic Home Equity Line-of-Credit is subject to a floor of 3.50% APR. On average, closing costs may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the ability to deduct interest and charges. * Annual Percentage Rate ** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.

Loan Type

Term

APR* as low as**

Gold (90% CLTV)†o

Revolving

8.00%

Classic (90% CLTV)§o

Revolving

7.50%

CLTV = Combined Loan to Value.
†Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Gold Home Equity Line-of-Credit is subject to a floor of 3.50% APR. With HELOC Gold, you have the option to pay Interest Only for the first 10 years.

§Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Classic Home Equity Line-of-Credit is subject to a floor of 3.50% APR.
On average, closing costs may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the ability to deduct interest and charges.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.

Smart Choice Home Equity Fixed Interest Rates

Effective Date: November 1, 2024

Loan Type	Term	APR* as low as**
5 Year (80% LTV)†^	60 months	7.50%
5 Year (90% CLTV)†±	60 months	9.75%
10 Year (80% LTV)‡^	120 months	7.75%
10 Year (90% CLTV)‡±	120 months	10.00%
15 Year (80% LTV)‡^	180 months	8.00%
15 Year (90% CLTV)‡±	180 months	10.25%
20 Year (80% LTV)‡^	240 months	8.00%
20 Year (90% CLTV)‡±	240 months	10.25%
* Annual Percentage Rate ** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved. Owner-occupied primary residence. 1st or 2nd lien, no pre-payment penalty. † Borrow $5,000 to $500,000. ‡ Borrow $10,000 to $500,000. ^ 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.

VISA® Credit Card Rates

Effective Date: November 1, 2024

Term	VISA® Cash Back Credit Card	VISA® PLATINUM with Rewards	VISA® Share Secured
Special Features	Earn 1.00% Cash Back for every $1 you spend!~~	Earn 1 point for every $1 you spend~	Secured by you!
APR* For Purchases	Variable Rate As low as 14.50%**	Variable Rate As low as 11.50%††	Variable Rate† currently at 15.50%
Method Of Computing the Balance For Purchases	Average Daily Balance	Average Daily Balance	Average Daily Balance
APR* For Cash Advances	Variable Rate††	Variable Rate††	Variable Rate†
Transaction Fee For Purchases	None	None	None
Credit Limit	$5,000 to $35,000	$500 to $50,000	$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.	You have 27 days to repay your balance before being charged a finance charge.	You have 27 days to repay your balance before being charged a finance charge.
Annual Fee	None	None	None
* 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. ~~Cash advances and transfers do not qualify for earning 1.00% Cash Back. †† 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. ** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application. † 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.

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