The Total Choice FCU is a auto loan from Total Choice FCU. The ongoing APR is APR as low as: 24 Months 5.25%; 36 Months 5.25%; 48 - 60 Months 5.25%; 61 - 72 Months 6.00%; 73 - 84 Months 6.25% (up to 84 months based on credit rating); Recreational Vehicle rates as low as 7.90% APR. Loan terms: 24 to 84 months (73 - 84 months based on credit rating).