All Rates Effective: 01-23-2026
*First Choice Credit Union’s, as low as, interest rates are quoted below. Actual rates may vary for the listed collateral/ loan term, depending on applicants’ membership eligibility, credit history, year of vehicle, and/or down payment, if applicable. Speak with one of our loan officers today, for more information.
**84 month loan available only on brand new vehicles purchased through a dealership.
Loan Type |
Approximate Term (Months) |
Annual Percentage Rate (APR) |
Monthly Payment per $1,000 Borrowed |
|
|
Vehicles – Cars, Trucks, and Motorcycles *
|
84**
|
4.99% |
$14.13
|
|
|
72
|
4.49%
|
$15.87
|
||
|
60
|
4.19%
|
$18.50
|
||
|
48
|
3.99%
|
$22.58
|
||
|
up to 36
|
3.89%
|
$29.48 (36 months)
|
||
| Other Secured Items * – Boats, Motorhomes, Campers, ATVs, Snowmobiles, and Personal Watercraft |
72
|
5.49%
|
$16.33
|
|
|
60
|
5.19%
|
$18.96
|
||
|
48
|
4.99%
|
$23.03
|
||
|
up to 36
|
4.89%
|
$29.92 (36 months)
|
||
|
Visa – 21 Day Grace Period
|
12.90%
|
|||
|
Kwik Cash – open ended
|
13.00%
|
|||
|
Unsecured Loan ($1000 and Over)
|
12
|
14.00%
|
$89.81
|
|
|
Unsecured Loan (Under $1000)
|
12
|
15.00%
|
$90.28
|
|
| Real Estate Mortgages | ||||
|
1st Mortgage Rates
|
Call Mandy for Rates & Terms
|
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|
2nd Mortgage Rates
|
Call Mandy for Rates & Terms
|
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|
Mobile Home With Land
|
Call Mandy for Rates & Terms
|
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