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Loan Rates

Loan Rates

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Home Equity Loan Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
As low as 5.99%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 6.49%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 6.74%* Term: Up to 5 Years
$75,000.00 Maximum Loan Amount or 80% LTV

Drive By Appraisal Required By Credit Union

$24,000.00 Maximum for Drive By Appraisal

*This rate includes the .25% discount with Auto Pay.
As low as 6.99%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

*This rate includes the .25% discount with Auto Pay.

Home Equity Line of Credit Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
As low as 2.99%* Introductory Rate Term: Up to 20 Years
Regular Rate = Prime Rate Up to 80% Financing

Full Appraisal Required by the Credit Union

The special introductory rate is in effect until 6/30/2024. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate 5.00%, The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details.

New Car Loan & Motorcycle Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
Rates as low as 6.24%* With terms up to 84 Months
110% Financing on Vehicles
80% Recreational Vehicles

*This rate includes the .25% discount for Auto Pay.

Used Car Loan & Motorcycle Rates

APR* Info and/or Terms
Effective Date 1/01/2024
Rates Subject to Change at Anytime
Rates as low as 6.24%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 8.74%* Older Vehicles / Recreational Vehicles 2015 OR OLDER Term: 48 Months

*This rate includes the .25% discount with Auto Pay.

Money Market Rates

APR* APY** Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
1.50% 1.51% -Minimum Balance of $2,000.00 (up to $49,999.99)
-Each Withdrawal must be at least $500.00
-Withdrawals are to be made by check only
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account
1.75% 1.76% -Minimum Balance of $50,000.00 (up to $99,999.99)
-Each Withdrawal must be at least $500.00
-Withdrawals are to be made by check only
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account
2.00% 2.02% -Minimum Balance of $100,000.00 (and up)
-Each Withdrawal must be at least $500.00
-Withdrawals are to be made by check only
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account

Share Certificates Rates

APR* APY** Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
1.50% 1.51% Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
1.75% 1.76% Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.00% 2.02% Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.20% 2.22% Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.40% 2.42% Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.60% 2.63% Term: 60-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.

Share Savings/Club Accounts Rates

APR* APY** Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
0.05% 0.05% Share Savings: $100.00 and up
-$100 minimum balance to earn dividends
-$5 minimum to open account
0.05% 0.05% Christmas Clubs
-$100 minimum balance to earn dividends
-$5 minimum to open account
0.05% 0.05% Vacation/All Purpose Clubs
-$100 minimum balance to earn dividends
-$5 minimum to open account
0.30% 0.30% IRAs

Balloon Loan Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
As low as 13.40%* Term: 90 Days

Jumbo Loans: Amounts Above $417,000

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
30, 25, 20 Year Fixed Call for Rates
15, 10 Year Fixed Call for Rates

New Recreational Vehicle Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
Rates as low as 6.24%* With terms up to 84 Months Max amount financed is 80%

*This rate includes the .25% discount.

Used Recreational Vehicle Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
Rates as low as 6.24%* With terms up to 78 months Max amount financed is 80%

*This rate includes the .25% discount.

Personal Loan Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
As low as 9.25%* Term: Up to 72 Months

Limit 20% of Gross Income not to exceed $10,000.00

*This rate includes the .25% discount with Auto Pay.

Personal Line of Credit Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
As low as 9.74%* Term: Up to 72 Months
Maximum loan amount up to $10,000.00
*This rate includes the .25% discount with Auto Pay.

VISA Credit Card Rates

APR* Info and/or Terms
Effective Date 01/01/2024
Rates Subject to Change at Anytime
VISA Platinum As low as 8.90%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 0% APR* for six billing cycles.
VISA Classic As low as 13.50%* Annual Percentage Rate for Purchases and Cash Advances
Transaction Fee for Purchases: Average Daily Balance (including new purchases)
Grace Period for Purchases: 25 days
No Annual Fee
Application Fee $5.00
Transfer Rate – 0% APR* for six billing cycles.

Home Mortgage Loan Rates

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

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