Business Details
We are 1st Choice Credit Union, a federally insured financial institution regulated by the National Credit Union Administration, with Bank On Certification and CDFI approval. We are currently executing a merger with HOPE Credit Union, and share the latest merger updates publicly at www.hopecu.org/1stchoice for full member transparency. We offer a comprehensive portfolio of personal and business banking products designed to meet the unique financial needs of every member we serve. Our personal loan products feature fixed interest rates, predictable monthly payments, no annual fees, and no collateral requirements for eligible applicants based on creditworthiness. We prioritize fast, streamlined approval processes for all loan applications, with all applicable fees, including a $25 personal loan application processing fee, disclosed upfront with no hidden costs. We partner with BALANCE to provide all members with free, unlimited, on-demand, confidential financial coaching to support long-term financial wellness. Our exclusive partnership with Working Advantage grants members free, simple enrollment access to up to 50% savings on thousands of travel, entertainment, and experiential purchases.
We are deeply committed to equal access for all individuals, including those with disabilities, with dedicated accessibility support channels available for all website and service inquiries. We uphold strict privacy and security protocols for all member data, and provide clear, upfront disclaimers when members access third-party hosted content via our site links. Our dedicated member support team is available via phone at 404-832-5800, email at info@1stchoicecu.org, and in-person at our Atlanta, GA location to resolve all inquiries promptly. We provide robust digital banking tools including mobile banking, online bill pay, and free financial calculators to support convenient, 24/7 account management for all members. We adhere to all applicable federal regulatory requirements including Patriot Act and SCRA disclosures to ensure full transparency and regulatory compliance for every member interaction.
We are deeply committed to equal access for all individuals, including those with disabilities, with dedicated accessibility support channels available for all website and service inquiries. We uphold strict privacy and security protocols for all member data, and provide clear, upfront disclaimers when members access third-party hosted content via our site links. Our dedicated member support team is available via phone at 404-832-5800, email at info@1stchoicecu.org, and in-person at our Atlanta, GA location to resolve all inquiries promptly. We provide robust digital banking tools including mobile banking, online bill pay, and free financial calculators to support convenient, 24/7 account management for all members. We adhere to all applicable federal regulatory requirements including Patriot Act and SCRA disclosures to ensure full transparency and regulatory compliance for every member interaction.
Highlights and features
- We are federally insured by the NCUA for member protection.
- We offer fixed-rate personal loans with no hidden fees.
- We provide free unlimited confidential financial coaching for members.
- Our Working Advantage partnership grants up to 50% experience savings.
- We uphold strict privacy and accessibility standards for all members.
Services
Personal Loans
We offer fixed-rate personal loans with predictable monthly payments and no annual fees for eligible members. These loans are ideal for debt consolidation, large purchases, or covering unexpected expenses, with no collateral required based on creditworthiness. Members benefit from fast approval processes and flexible repayment terms tailored to their budget.
Auto Loans
We offer competitive auto loans with rates as low as 6.50% for 60-month terms on new vehicle purchases. These loans are available to eligible members looking to finance new cars, trucks, or SUVs with transparent terms and no hidden costs. Members benefit from fast approval and flexible repayment options that fit their budget.
Mobile Banking
We offer robust mobile banking tools that allow members to manage accounts, pay bills, and access financial resources 24/7 from any device. This service is available to all personal and business account holders for convenient, on-the-go account management. Members benefit from real-time transaction alerts, mobile check deposit, and free access to financial calculators.
Financial Coaching
We provide free, unlimited, on-demand, and confidential financial coaching through our partnership with BALANCE for all members. This service is ideal for members seeking guidance on budgeting, debt management, or long-term financial planning. Members benefit from personalized one-on-one support from certified financial coaches at no additional cost.
Working Advantage Discounts
We offer exclusive Working Advantage member discounts that provide up to 50% savings on thousands of travel, entertainment, and experiential purchases. This benefit is available to all 1st Choice Credit Union members with free, simple enrollment. Members benefit from discounted access to movies, hotels, concerts, theme parks, sporting events, and more.
