Virtual Branch Online Banking

Click Here to Log In
First Time User? Enroll Now.

Loan Rates

Loan Rates

Apply Now

Money Market Rates

APR* APY** Info and/or Terms
Effective Date 10/01/2019
Rates Subject to Change
0.35% 0.35% -Minimum Balance of $2,000.00 (up to $49,999.99)
-Each Withdrawal must be at least $500.00
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account
0.40% 0.40% -Minimum Balance of $50,000.00 (up to $99,999.99)
-Each Withdrawal must be at least $500.00
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account
0.45% 0.45% -Minimum Balance of $100,000.00 (and up)
-Each Withdrawal must be at least $500.00
-Maximum of 6 withdrawals per month
-$100.00 required in primary savings account

Share Certificates Rates

APR* APY** Info and/or Terms
Effective Date 10/01/2019
Rates Subject to Change
0.75% 0.75% Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not.
0.95% 0.95% Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not
1.35% 1.36% Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not.
1.65% 1.66% Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
1.95% 1.96% Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
2.25% 2.27% Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not

Share Savings/Club Accounts Rates

APR* APY** Info and/or Terms
Effective Date 10/01/2019
Rates Subject to Change
0.05% 0.05% Share Savings: $100.00 and up
0.05% 0.05% Christmas Clubs
0.05% 0.05% Vacation/All Purpose Clubs
0.25% 0.25% IRAs

Balloon Loan Rates

APR* Info and/or Terms
As low as 10.40%* Term: 90 Days

Home Equity Adjustable Rates

APR* Info and/or Terms
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 December 31, 2019. 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.

Home Equity Fixed Rates

APR* Info and/or Terms
As low as 3.74%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 4.74%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 5.74%* 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 4.74%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

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

Jumbo Loans: Amounts Above $417,000

APR* Info and/or Terms
30, 25, 20 Year Fixed Call for Rates
15, 10 Year Fixed Call for Rates

New Recreational Vehicle Rates

APR* Info and/or Terms
Rates as low as 4.14%* With terms up to 84 Months Max amount financed is 80%

*This rate includes the .25% discount.

New Vehicle & Motorcycles Rates

APR* Info and/or Terms
Rates as low as 4.14%* With terms up to 84 Months
110% Financing on Vehicles
80% Recreational Vehicles

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

Personal Loan Rates

APR* Info and/or Terms
As low as 5.74%* Term: 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
As low as 8.74%* Term: Up to 72 Months
Maximum loan amount up to $10,000.00
*This rate includes the .25% discount with Auto Pay.

Used Recreational Vehicle Rates

APR* Info and/or Terms
Rates as low as 4.44%* With terms up to 78 months Max amount financed is 80%

*This rate includes the .25% discount.

Used Vehicle & Motorcycles Rates

APR* Info and/or Terms
Rates as low as 4.44%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 6.94%* Older Vehicles / Recreational Vehicles 2010 OR OLDER Term: 42 Months

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

VISA Credit Card Rates

APR* Info and/or Terms
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 – 2.99% 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 – 2.99% for six billing cycles.

Conventional Mortgage Rates

Adjustable Rate Mortgage

FHA

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!

Latest News

Become a Member

You are now leaving Choice One Community Credit Union

Choice One Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Choice One Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL