1st Choice


315 Auburn Ave
Atlanta, GA 30312
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.30% 0.70% →
2-Year CD 0.35% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

1st Choice is an NCUA insured institution located in Atlanta, GA. It was founded in 1991 and has approximately $31.75 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 67505
Date Established 1991
Assets $31.75 million
Loans $20.60 million
Deposits $29.35 million
Capital $2.24 million

Deposit Rates - June 20, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More

Loan Rates - June 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for 1ST CHOICE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.016% 2.950% 0.88 $2,105 $1,048 Learn More
Rocket Mortgage
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to 1ST CHOICE
To upload and update your bank's rates please register. It is free to register and add rates.



Below are 1st Choice branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

1st Choice Locations

Financial Details

1st Choice Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Choice. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
1st Choice U.S. Average
4.60% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, 1st Choice had $114,175 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,239,208 in net worth and $241,287 in loans loss reserves. That gives it a Texas Ratio of 4.60%.

Net Worth
1st Choice U.S. Average
7.05% 12.67%

1st Choice FCU has a net worth of 7.05% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 1st Choice

Branches and Savings

What is 1st Choice?

A credit union, registered with the NCUA under certificate #67505.
Learn more about credit unions here.

Is 1st Choice FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. 1st Choice is insured by the NCUA.

Who can join 1st Choice?

Please see Field of Membership information above for information on who is eligible to join.

What are 1st Choice's share account and share certificate rates?

1st Choice's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 1st Choice?

1st Choice has total capital of $2.24 million. Full information on 1st Choice's financial position is located above.

Who owns 1st Choice?

Credit Unions are owned by their members.

Where are 1st Choice branches located?

See branch locations nearby.

Are 1st Choice ATMs Open 24/7?

Do 1st Choice ATMs accept cash deposits?

Can 1st Choice customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 1st Choice have a mobile app?

Does 1st Choice have mobile deposit?

Does 1st Choice have quick pay?

How can 1st Choice transfer money to other banks or credit unions?

Does 1st Choice report to credit bureaus?

Does 1st Choice use Chexsystems?

Does 1st Choice use Equifax?

What is 1st Choice's toll free phone number?

What is 1st Choice's ACH Routing Number?

What is 1st Choice's SWIFT code?

Where can I find 1st Choice's wire transfer form?

What is the 1st Choice address for deposits?

What Products Does 1st Choice Offer

Does 1st Choice offer mortgages?

Compare mortgage rates here.

Does 1st Choice offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Choice offer auto and RV loans?

Compare auto loan rates here.

Does 1st Choice offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for 1st Choice

There are currently no comments for 1st Choice. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →