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Your Choice for Low-Interest Loans

Your Choice for Low-Interest Loans

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Take advantage of big savings with the following promotional loan rates.

Personal Loan Rates As Low As 3.25% APR*
Auto Loan Rates As Low As 2.24% APR*  | No Payment for 90 Days*
Home Equity Loan Rates As Low As 2.94% APR* | Pay No Fees***
VISA Balance Transfer Credit Card Rates As Low As 2.99% APR**

Or, if you have questions call (800) 610-2788

Click a rate table below to view more rates for the loan you need!

Personal Loan Rates

APR* Info and/or Terms
As low as 3.25%* Term: 72 Months Limit 20% of Gross Income not to exceed $10,000.00

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

Home Equity Loan Rates

APR* Info and/or Terms
As low as 2.94%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 3.64%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 4.94%* 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 3.74%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

*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.

New Car Loan & Motorcycle Rates

APR* Info and/or Terms
Rates as low as 2.24%* 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
Rates as low as 2.64%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 5.14%* Older Vehicles / Recreational Vehicles 2011 OR OLDER Term: 48 Months

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

*APR=Annual Percentage Rate. Rate shown are for qualified borrowers and are subject to change without notice. Rates shown for the Home Equity Fixed, Auto, Personal Rate includes a .25% discount for auto deduct from a Choice One share or share draft account. Contact your credit union loan officer for complete details and current rates. Contact your tax advisor regarding the possible deductibility of interest. Finance charges will accrue during the auto loan 90 day no payment option.

**APR=Annual Percentage Rate. 2.99% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer. Rate returns to current rate at that time. Choice One’s current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No-Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 2.99% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for.

***No Closing Cost Promotion applies to first lien only. Third party fees will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees.  Fee Reimbursement–The lender may have paid some third party fees associated with this loan.  Please refer to the Closing Disclosure provided prior to loan closing for an itemization of third party fees paid by the Borrower (if applicable), and those paid by the Lender on the Borrower’s behalf.  The Borrower agrees to reimburse the Lender the actual amount of bona fide third party fees paid on the Borrower’s behalf, as permitted by applicable law, if the loan is paid off within twenty four (24) months after consummation.

 

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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